Disputes with insurance companies are some of the most frustrating experiences an individual can have. Usually, the insurance dispute arises at the worst possible time, when you have just suffered a tragedy.

When someone suffers a serious loss, the reasonable expectation is that the insurance company will fairly assess that loss and quickly pay the claim. Far too often, though, insurance companies balk at paying claims, declaring that the loss is not covered or offering to pay far less than the claim is worth. The reason is simple: insurance is a business, and insurance companies are motivated to keep their bottom line as healthy as possible. So, how does an individual go up against such a powerhouse? Is it possible to receive fair and just compensation, or is the insured simply at the mercy of these giant monoliths?

The best way to be fairly compensated by an insurance company is by producing tangible evidence that supports your claim. You would think that the insurance company would be on your side during a tragedy. But, typically, the insurance company becomes the adversary and you end up fighting the equivalent of a miniature trial to get benefits to which you are entitled.

Our goal is to make sure that insurance companies live up to their obligations and that clients receive the fair treatment they deserve. We understand how insurance companies operate, how they think, and what tactics they use. This insider knowledge, coupled with the Firm’s extensive trial experience, makes us a formidable foe and helps us level the playing field for our clients.

If your insurance company has purposely refused to process your insurance claim in compliance with that standard, you may have a claim for bad faith. There are strict regulations and laws to protect you from unfair insurance practices, contact Lilly, O’Toole & Brown, to discuss your claim »

What is insurance?

The commonly understood meaning is that you give your money to a big company and when you have an emergency, the insurance company gives you back your money, plus enough additional money to cover the emergency. Sounds like a good deal… right?

It’s only a good deal if the insurance company complies with its side of the bargain. Unfortunately, many insurance companies take your money, invest it, and think of a million reasons not to give it back to you when you need it most.

Unfortunately, it is not unusual for an insurance company to limit or even deny coverage of a claim without proper justification or warning. These unfair claims or “bad faith” practices are often applied to those policyholders most dependent on the protection promised by their policy.

In 1982, the State of Florida enacted the Florida Unfair Claims Practices Act to protect consumers from insurance companies that do not make good faith efforts to settle claims. Lilly, O’Toole & Brown is uniquely qualified to handle cases that fall under this law.