Leading Florida
Insurance Defense Law Firm
Massey, Coican, Schuster, Riedhammer & King, L.L.C., has been meeting the defense needs of insurers, businesses, and government clients throughout Florida for more than thirty years. Many of our attorneys have earned the highest honors for litigation trial defense. We are proud members of many professional organizations, including The Florida Bar, Broward County Bar Association, American Bar Association, and the Florida Defense Lawyers Association. Contact our offices in Ft. Lauderdale to schedule a no cost consultation about your civil litigation and appeals needs.
Massey, Coican, Schuster, Riedhammer & King, L.L.C.
707 Southeast Third Avenue
Second Floor
Ft. Lauderdale, FL 33316
(954) 527-3919
Massey, Coican, Schuster, Riedhammer & King, L.L.C. located in Ft. Lauderdale, Florida provides legal counsel and representation for businesses, government entities and residents of South Florida communities, including Miami, Orlando, Fort Myers, Daytona, Lakeland, Sarasota, Tampa, Melbourne, Jacksonville, Gainesville, Tallahassee, Pensacola, Panama City, and Key West, Florida.
Broward County • Miami-Dade County • Palm Beach County • St. Johns County • Collier County • Orange County • Lee County • Martin County
Insurance Law - An Overview
Most people own at least some type of insurance, such as auto, health, life, home, disability, fire/casualty, renters, title, marine, or long-term care insurance. Businesses and professionals often also take out insurance, including small business, liability, and workers compensation insurance. Insurance law primarily revolves around issues arising out of a contract between the insurance company and the insured party. Generally, an insurance contract distributes some type of risk among a substantial number of members through an insurer, typically an insurance company.
If you are facing insurance law issues or have questions about an insurance policy claim or related coverage matters, contact our firm to schedule a consultation with an attorney.
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Filing Claims with Your Insurance Company
Typically, an insurance policy includes specific requirements that insured individuals must follow to receive any proceeds from their insurance policies. First, insurance companies usually require the insured party to give notice of any loss immediately to the insurer. Generally, an insured must inform the insurance company of his or her loss within a reasonable time. The insurer can then investigate the claim and gather information while the circumstances surrounding the loss are fresh and recent, and the insurance company can take additional steps to prevent future loss.
In addition, some insurance policies include time limitations, often set out by state statute. These restrictions disallow an action to be brought against the insurance policy after a specific period of time, such as one year, after the date of loss.
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Uninsured and Underinsured Motorist Coverage
If you drive a car, you need to purchase automobile insurance. In fact, in many states, car insurance is mandated by law. Regardless of your state's law, it is important to protect yourself, your loved ones, and other drivers by having insurance. However, some drivers do not have insurance or carry insurance that is insufficient to cover personal injuries in the event of an accident. Uninsured and underinsured motorist coverage comes into play in these situations. If you have questions about uninsured or underinsured motorist coverage, contact our firm to schedule a consultation with an attorney.
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Defense of Claims
Most insurance policies include a clause that places the duty to defend any action initiated by a third party against an insured individual on the insurance company as long as the cause of action is covered by the policy. Insurance companies have a duty to defend an insured individual even if an allegation is groundless, false, or fraudulent; thus, an insurance company may be required to defend an insured even if no obligation to pay out proceeds exists. An insurance company must defend an insured party any time an action is filed against the insured individual where the allegations of a third party would result in a claim; however, an insurance company is only obligated to pay out proceeds to the insured party if there is a legal obligation to pay.
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Coverage and Bad Faith Insurance Claims
A bad faith insurance claim may arise when an insurer has wrongfully failed to pay the claim of an insured. In a bad faith claim, often the insurance company believes the claim is not covered under the insurance policy and denies the claim. Many situations can result in a bad faith insurance claim, including a delayed claim investigation, insufficient claim investigation, unreasonable delay of payment, and unreasonable denial of claim benefits.
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