Insurance Attorney in Port St. Lucie

You should be able to count on your insurance company when filing a valid claim. Unfortunately, some insurers will try anything to get out of their obligations when policyholders experience losses, leaving them to struggle financially. Morgan & Morgan thinks this is unethical and plain wrong.

If you were involved in an accident, suffered an injury, or had another covered loss, you shouldn’t have to battle to receive your due. An insurance lawyer in Port St. Lucie can help you navigate the legal aspect of your insurance claim and hold an unscrupulous insurer accountable.

Remember that you’re not powerless if an insurer unfairly delays, minimizes, or denies your legitimate claim. Morgan & Morgan is here to help you fight back. Contact us today for a free consultation to find out more.

What Does a Port St. Lucie Insurance Lawyer Do?

An insurance lawyer at Morgan & Morgan represents individuals or businesses in insurance claims. They have extensive knowledge of insurance policies, coverage, and regulations. If you cannot receive adequate payment for a valid insurance claim, our insurance lawyers in Port St. Lucie can protect your rights, negotiate with the insurance company, and file a lawsuit if necessary.  

How A Morgan & Morgan Insurance Lawyer Can Help

Rather than helping policyholders move forward after a loss, some insurance companies are more focused on their profits, leaving customers frustrated and out of pocket. However, if you have paid your insurance premiums faithfully and have a legitimate claim, the insurer must uphold their part of the deal. An attorney can “remind” your insurance company about its responsibilities and obligations.

If you’re having trouble getting what you deserve from an insurance company, our Port St. Lucie insurance lawyers can help you in several ways:

Protect Your Rights

Insurers may try to use manipulative tactics to reduce or deny your valid claim. They may try to take advantage of individuals unfamiliar with insurance law or vulnerable after a serious accident or injury. An insurance lawyer can protect your rights and ensure you are treated fairly and with the respect you deserve.

Review and Evaluate Your Insurance Policy

Insurers sometimes refuse legitimate claims, citing policy exclusions and limits. Our attorneys can review your insurance policy thoroughly to determine your coverage and the benefits to which you are entitled. They can help you understand the policy’s fine print, exclusions, and limitations. If an insurer wrongly states that your policy does not cover your claim, we can fight for what you deserve.

Investigate Your Claim

An insurance lawyer can thoroughly investigate your accident, injury, or homeowner’s loss to gather evidence and build a strong case on your behalf. They can work with industry experts, such as accident reconstruction professionals and medical providers, to strengthen your case.

Negotiate With Insurance Companies

Insurance companies are in the business of making money, and they will often try to settle claims for the lowest possible amount. However, this can leave a policyholder high and dry after a considerable loss, such as a life-changing car accident injury or significant storm damage to their house. An insurance lawyer can level the playing field, advocate for you, and negotiate with insurance companies for a fair settlement that covers your expenses.

File a Lawsuit

If all else fails and an insurance company keeps dragging its heels, Morgan & Morgan’s insurance lawyers in Port St. Lucie can file a lawsuit and take the insurance company to court. Our insurance attorneys are experienced trial litigators who know how to prepare and present evidence, argue your case powerfully, and fight hard for maximum compensation.

Types of Claims Insurance Lawyers in Port St. Lucie Handle

Insurance attorneys can help you fight back against immoral insurance companies that want to refuse you the settlement you deserve for a covered loss. Morgan & Morgan’s insurance attorneys can handle a variety of claims, including but not limited to:
 

• Car insurance
• Homeowners’ insurance
• Health insurance  
• Disability insurance
• Life insurance
• Professional liability insurance
• Business interruption insurance

Florida residents pay dearly for insurance coverage. According to the Insurance Information Institute (III), homeowners insurance averaged more than $4,000 in 2022, almost triple the country’s average annual insurance cost. Florida drivers don’t fare any better. Bankrate says that vehicle owners in the state pay over $1,000 more for insurance than drivers elsewhere in the country.

When you pay a premium for coverage, you deserve to get paid promptly in the event of a covered loss. An insurance attorney at Morgan & Morgan can stand up to the insurer on your behalf.

Bad Faith Insurance Claims

Insurance companies must act in good faith when handling claims, meaning they should investigate claims promptly, fairly, and thoroughly. Moreover, insurers are also obligated to pay out valid claims in a timely manner.

Some insurance companies engage in bad faith practices, such as denying legitimate claims unfairly, delaying payment, or offering an unreasonably low settlement amount. If your insurance company acted in bad faith, Morgan & Morgan’s insurance lawyer in Port St. Lucie could help you file a bad-faith insurance claim and receive compensation in addition to your claim’s value.

You Could Recover Damages From an Unethical Port St. Lucie Insurer

If you win a lawsuit against an insurance company, you could receive the value of your original claim. Moreover, if the insurance company acted in bad faith, you could be entitled to damages above and beyond your claim amount, including awards for:  

• Financial damages due to the unfair claim denial
• Emotional distress
• Humiliation
• Loss of reputation
• Attorney’s fees

You could also recover punitive damages if your insurer egregiously or maliciously denied you a fair settlement.