Joseph S. Kashi Insurance Law Blog on Lawyers.com

Since automobile insurance accident claims are very common, it is important to be aware that Florida is a no-fault state. This means that, no matter who caused an accident, each party’s insurance company must typically pay for the property damage and medical expenses for their policyholder. In cases of serious and expensive injury or property damage, the no-fault system may not apply. An experienced insurance attorney in Boca Raton can help determine whether the no-fault insurance laws apply in your situation.

Regardless of the type of insurance involved, an insurance company has a legal duty to deal fairly and in good faith when handling claim payment. Failure to meet this duty is called bad faith. Some examples of bad faith include the following:

• Refusal to provide coverage
• Failure to pay claims in full according to the provisions of the insurance contract
• Delaying payment
• Failing to adequate investigate a claim

If you suspect that you have a Boca Raton bad faith insurance issue, you should seek the services of a competent insurance attorney in Boca Raton to help you obtain legal resolution.

From the time they apply for any type of insurance, to the time they file a claim, policyholders also have certain legal responsibilities. Naturally, you are expected to properly complete and file all claim forms as required by the insurance company. But, perhaps your most important responsibility is honesty. When applying for insurance, honesty is the best policy. Deliberately falsifying or concealing information on your application is illegal, and is likely to result in denied claims, or even a Boca Raton insurance fraud case. Similarly, your claims are fraudulent if you do not accurately complete claim forms. If your claim forms are accurate and complete, but your insurance company discovers that the initial application was fraudulent, your claim is likely to be denied, and you could be the subject of an insurance fraud legal case.

When looking for an insurance attorney in Fort Lauderdale or Boca Raton, keep in mind that your attorney will be fighting lawyers who have years of experience representing insurance companies. To get the best possible legal representation, your attorney should also have experience defending insurance companies. The lawyers at Sperry, Shapiro & Kashi, P.A. all began their careers as insurance defense lawyers. Their extensive experience handling insurance coverage and bad faith cases will provide you with the best representation, whatever the insurance issue may be.

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