Miami Personal Injury Attorney Blog

Our firm represents people against their own insurance companies to get benefits that the insurance company has refused or failed to pay. It doesn’t matter if it is health insurance, car insurance, homeowners insurance, disability insurance, or any other type of insurance. If your company doesn’t pay something that they should have, we will fight for you to get the compensation you deserve. And you don’t have to pay us or forward costs.

We take these cases on a “contingency” arrangement. We can do this because there is a Florida Law that says that if you beat an insurance company in court, they have to pay your attorney’s fees and costs under Florida Statute 627.428(1). These cases against your own insurance company are called “first party” cases.

On March 22, 2012, the First District Court of Appeal filed an opinion in a case involving FIGA. FIGA is the Florida Insurance Guaranty Association. They take over insurance companies that have failed or are on the verge of failing. FIGA is funded through industry assessments that are capped at 2% of a company’s net premiums and an additional 2% to cover insolvencies created by hurricanes, etc. If your company goes belly up, FIGA will stand in its shoes and pay your claims to a limit. The limit is generally $300,000.00. An additional $200,000.00 can be available under certain circumstances. And in condominiums, the limit is $100,000.00 per unit. For detailed explanation of what happens if your insurance company goes under, click on the following link: http://www.figafacts.com/faq.