We buy insurance so that we will be taken care of after an accident or another unforeseen disaster. In return for months or years of on-time premium payments, insurers agree to pay what the policy says they owe. But some insurance companies, when faced with expensive claims, do everything in their power to avoid paying, even when their own contracts make their obligations clear. This is called insurance bad faith, and it is against the law. If you believe you’re a victim of insurance bad faith, don’t hesitate to call Balliro for a full review of your insurance contract and advice on your legal rights.

Unlike most businesses, insurance companies make more money when they do not provide you with their product -- in this case, a financial settlement. That’s particularly true when the insured was in a bad accident, because the settlement is likely to be expensive. That means insurers will look for any way to deny payment of a valid claim:

• Intentionally misinterpreting the contract to say your injuries are not covered, or not fully covered
• >Offering to settle for less than your claim is worth
• Falsely claiming your premium payments were late or missing
• Failing to fully investigate the claim
• Unreasonable delays in taking action on the claim
• Outright canceling a policy, especially after the claim is submitted

By unfairly and illegally denying injured people’s claims, insurance bad faith victimizes them a second time. Without a fair settlement, they can be stuck with tens or even hundreds of thousands of dollars in medical bills, repair bills and other accident costs. However, as with any breach of contract, Florida law allows victims to file a Fort Myers insurance bad faith lawsuit when insurance companies refuse to meet their own legal obligations. Balliro represents clients from around Florida with insurance bad faith claims, including first-party claims against your own insurance company as well as third-party claims against the insurer for the party responsible for your injury.

The Miami-Dade insurance bad faith attorneys at Balliro have handled hundreds of trials in a decade of practicing law in Florida. In that time, we have come to believe that open communication is one of the most important parts of the attorney-client relationship. We also understand that injured people come to us at a time of great personal and financial strain. That’s why we make sure to keep our clients informed through every step of the process, from the first day they walk through our doors to the day they receive a settlement check. And because we know injuries and new developments can strike at any time, not just during business hours, that’s when we’re available to our clients -- 24 hours a day and seven days a week.

If you believe your insurance claim was wrongly denied and you’d like an opinion from an experienced Fort Lauderdale insurance bad faith lawyer, Balliro can help. For a free, confidential evaluation of your case, please contact us through our Web site or call toll-free from anywhere in Florida at 1-866-INJURED.