To determine your rights against your insurance company, the Law Offices of Oscar Syger, P.A. carefully reviews your Insurance policy.  Your Insurance policy is a contract at law that is an exchange of promises between you, the insured, and the insurance company, also known as the Insurer.  Your promises include being truthful in the application for Insurance, and giving accurate information when you have presented a claim for benefits to the insurance company.  Another source of your rights is found in the Florida Statutes Insurance companies are regulated by the State of Florida Department of Financial Services (FLDFS).  The law requires insurance companies to negotiate in good faith towards the party making a demand for financial compensation against their insured.     
 
Generally, a duty to negotiate in good faith calls on the insurance company to review the claim fairly by looking at all the important facts and circumstances surrounding an insurance claim.  The insurance company is not allowed to look only at the facts that help its position against the claimant.  The Insurer may not use it superior economic position to unreasonably delay the rights of the person presenting the demand and discourage the person from continuing to bring his claim.
 
The law also tells the insurance company what is important in an application for an Insurance policy.  Your company may later cancel the insurance policy if the person has given false information that the company relied on either to issue the policy or that it used to get the premium.  Another important Florida Law controls the Insurance Company's obligations if it decides to cancel or not renew an Insurance policy.  Usually, an insurance company must prove it mailed a notice of cancellation at least ten days before it cancels your policy, if the company is canceling because of non-payment of a premium.  An insurance company must also provide written notice 45 days before an insurance policy expires, if the insurance company will not renew the policy.    
 
We have often called on to sue an insurance company for breaking a promise to its insured.  Your Caring Lawyers have sued insurance companies in State Courts and in Federal Courts in Florida.  Our law firm has represented homeowners and business owners for catastrophic losses caused by hurricanes, flooding, and fire.  We see how the physical devastation caused to our client's homes also becomes an emotional devastation to their lives. 
 
We convert our empathy into prompt action demanding the insurer adjust the loss in good faith.  On behalf of our clients, we have presented Civil Remedy Notices to the FLDFS.  This process reports an assertion of bad faith committed by an Insurance Company to the state of Florida Government, in turn, the Government asks the Insurance Company to explain its handling of the claim.  Often, this notice has caused the Insurance Company to reevaluate the claim and to offer a fair and reasonable settlement.  The Civil Remedy Notice also preserves a policy holder's rights for bad faith money damages caused by the insurance company's misconduct in handling the insurance claim. 
 
PAYMENT OF MEDICAL BILLS 
Doctors and other licensed professionals such as physical therapists have retained us to sue their patients' insurance companies.  These lawsuits are pursued to force the insurance company to pay for medical treatment needed by their policy holders.  In some of these cases, the insurance companies are sued because they have not kept the promise to pay for reasonable and necessary medical benefits they made when they sold the automobile No-Fault Policy.  If the insured brings the case, the insurance company has to pay for the legal fees of its policy holder.