Florida Insurance Dispute Lawyer - Kinney, Fernandez, And Boire Attorney
At Kinney, Fernandez & Boire, our practice areas include general insurance
disputes. This can involve disagreements with insurance companies following an
accident of some kind, or it can involve a problem with your insurance company
over payment of medical bills, property damage or lost wages. If you have a case
where you have found yourself in a dispute with an insurance company, regardless
of the reason or the type of insurance coverage, we have the knowledge and
experience to assist you.
In many respects, an insurance policy is a basic contract no different than any
other contract you can imagine, such as a contract to buy a car, a real estate
contract, an employment contract, etc. All contracts have "terms and
conditions," which spell out what either side of the contract has to do, what
they have to provide, how they have to behave with respect to the other party in
the contract, etc. The terms and conditions of a contract are the basic rules by
which the parties to the contract have to abide. The terms and conditions also
contain the benefits that are provided by the contract. For example, a benefit
that may be available under an insurance contract (the policy) could include
payment for medical expenses or property damage. However, those same terms and
conditions may require certain things be in place before any benefits have to be
paid. Paying your insurance premiums in a timely manner is certainly a condition
that must be met before your insurance company has any obligation under the
contract to pay you benefits.
Some aspects of insurance contracts must comply with various Florida Statutes,
while other terms and conditions can be included in an insurance policy at the
discretion of the insurance company. For example, many aspects of your
automobile insurance policy are directly controlled by laws in our state, such
as the Florida Financial Responsibility Act.
In some cases, insurance polices and the laws of our state allow for an insured
(you) to get your attorney's fees and costs paid by the insurance company if you
prevail in a lawsuit. In other disputes, there are no automatic provisions for
payment of attorney's fees or costs. It will depend on the type of insurance
policy and the nature of the dispute.
If you need to discuss an insurance dispute with a lawyer, please consider the
experienced team of Kinney, Fernandez & Boire.
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