INSURANCE DISPUTES

Personal Injury Protection ("PIP")

Personal Injury Protection, or PIP coverage, is a mandatory automobile coverage in the State of Florida.  Florida law requires every driver in the State of Florida to maintain $10,000 in PIP benefits to pay for 80% of your medical bills, and 60% of your lost wages.  This coverage is also called "No Fault" coverage because it does not matter who caused the accident when it comes to payment of medical bills or lost wages after an accident.  In Florida, PIP follows the person, so when you're in an accident, generally your own PIP coverage pays for your medical care at 80% of the bills (or 100% if you carry the 20% optional coverage called Medical Payments Coverage).

Often times the insurance company will either reduce or deny your medical bills, leaving you with a larger balance at the doctor's office to pay out-of-pocket.  PIP insurance is primary, meaning that health insurance isn't required to pay until after payment by your PIP insurer.  So, if you see your own insurance either reducing or denying your medical bills, don't wait to dispute the balance with the insurance company.  Please contact the PIP attorneys at Brooks, LeBoeuf, Bennett, Foster & Gwartney, P.A. right away for an initial consultation.

Our initial consultation is always free of charge, and often we can force the insurance company to pay all of our fees and costs.

Fire Loss or Water Intrusion

Our attorneys are experienced in litigating fire claims against homeowners and business owners insurers.  Our attorneys have handled claims involving reduced or denied claims under your own coverage.  So if your insurance company is refusing to pay you for your losses as a result of a fire or water intrusion, we may be able to help you.

Our initial consultation is always free of charge, and often we can force the insurance company to pay all of our fees and costs.

Life Insurance denials

Many life insurance carriers willingly accept your monthly payments for premiums, but then are quite reluctant to pay on the claim in your time of need. Often those denials are baseless and done in the hopes that the Beneficiary will not contest the claim.

Our firm has successfully litigated many Life Insurance claims for beneficiaries. Often we find that insurance companies are ingenious in the variety of ways they deny claims.

There are never any fees and costs unless we win, and many times we are successful in making the insurance company pay all fees and costs. 

If you have questions regarding your life insurance claim, please call us at 850-222-2000 for a free consultation.

Long term disability insurance denials

Have you been the victim of an insurance company denying you disability benefits that you paid premiums to for years?  Can you no longer work and are in need of using your long term disability benefits that your insurance company is now refusing to pay? 

Our firm has successfully litigated Long Term Disability claims for people whose claims have been denied.  In most cases, there are never any fees and costs, unless we win, and many times we are successful in making the insurance company pay all fees and costs.

If you have questions regarding your LTD claim, please call us toll free for a free consultation at 850-222-2000.