{"id":460,"date":"2025-11-05T18:29:07","date_gmt":"2025-11-05T18:29:07","guid":{"rendered":"https:\/\/www.firstchoicelaw.com\/new\/?page_id=460"},"modified":"2026-01-27T20:23:27","modified_gmt":"2026-01-27T20:23:27","slug":"bad-faith-insurance","status":"publish","type":"page","link":"https:\/\/www.firstchoicelaw.com\/new\/personal-injury-attorney\/bad-faith-insurance\/","title":{"rendered":"Bad Faith Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"460\" class=\"elementor elementor-460\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adad4a1 e-con-full e-flex e-con e-parent\" data-id=\"adad4a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9648f1e e-con-full e-flex e-con e-child\" data-id=\"9648f1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-760b7f3 elementor-widget elementor-widget-image\" data-id=\"760b7f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.firstchoicelaw.com\/new\/wp-content\/uploads\/elementor\/thumbs\/Artboard-5-copy-8-01-rf02qn29jhc9aegrery56imc8iq5mq349ytgivf5ak.png\" title=\"Artboard 5 copy 8-01\" alt=\"Artboard 5 copy 8-01\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd37163 elementor-widget__width-initial elementor-absolute e-transform elementor-widget elementor-widget-heading\" data-id=\"fd37163\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-50,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-50,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bad Faith Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2655cef e-flex e-con-boxed e-con e-child\" data-id=\"2655cef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4a5fcf elementor-widget elementor-widget-heading\" data-id=\"f4a5fcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Bad Faith in Florida Law and Insurance Claims?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f64ad64 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f64ad64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51fc14a elementor-widget elementor-widget-heading\" data-id=\"51fc14a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Insurance companies must act with a sincere intention to be fair, open, and honest, paying claims promptly in case of damages caused by events covered by the policy. Unfortunately, we know this is not always the case. Even if you file your claim correctly, many companies look for ways to avoid making payments or to reduce the amount of compensation.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6b69f elementor-widget elementor-widget-heading\" data-id=\"5d6b69f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Under Florida law \"Bad Faith\" happens when an insurance company deliberately and unfairly avoids fulfilling its legal or contractual obligations and denies a valid claim. If you suspect your insurer is acting in bad faith,\u00a0contact us\u00a0as soon as possible to evaluate your case!<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d3e526 elementor-widget elementor-widget-heading\" data-id=\"3d3e526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common Bad Faith Actions in Florida<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2777fc8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2777fc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1973320 elementor-widget elementor-widget-text-editor\" data-id=\"1973320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The insurance adjuster&#8217;s job is to protect the company&#8217;s income. To do so, they use all kinds of questionable tactics. Some of the most common are:<\/p><ul><li>Unreasonable delays in responses and payments.<\/li><li>Material misrepresentation of facts.<\/li><li>Withholding of important information.<\/li><li>Refusing to pay without &#8220;investigating,&#8221; even when it is clear who is liable.<span style=\"font-style: inherit; font-weight: inherit;\">Drowning<\/span><\/li><li>Knowingly failing to investigate the claim.<\/li><li>Misleading you to enter into an agreement.<\/li><\/ul><div>Many states, including Florida, consider insurance companies to be under an &#8220;implied covenant of good faith and fair dealing.&#8221; These acts could constitute a breach of the covenant and open the door to a lawsuit.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9869b82 elementor-widget elementor-widget-heading\" data-id=\"9869b82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">First-party vs Third-party Bad Faith<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98d51b5 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"98d51b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-948afa0 elementor-widget elementor-widget-text-editor\" data-id=\"948afa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Florida recognizes two types of bad faith claims<\/strong>\u00a0through common law and statutory law, depending on your relationship with the insurer: first-party and third-party claims.<br \/><br \/><\/p><p>If you are the insured, you should file a\u00a0<strong>first-party claim<\/strong>. For example, if you got sick and your health insurance company refuses to cover the medical expenses, it would be a case of\u00a0<strong>First-party Bad Faith<\/strong>.<br \/><br \/>On the other hand, if another party&#8217;s insurer committed\u00a0<strong>bad faith<\/strong>\u00a0against you, you should file a third-party claim. If you were injured by a third party and their insurer avoids paying the compensation you deserve, you will need to file a Third-party Bad Faith claim.<br \/><br \/><strong>Third-party claims<\/strong>\u00a0are complex, as it is necessary to consider any wrongdoing or negligence of the other party involved in the accident in addition to their insurer&#8217;s actions.<br \/><br \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eee4894 elementor-widget elementor-widget-heading\" data-id=\"eee4894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">I want to file a Bad Faith claim. What should I do?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e47d92 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8e47d92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcc51f3 elementor-widget elementor-widget-text-editor\" data-id=\"fcc51f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>First, you need to understand something: insurance companies are always backed by legal teams. Any error in your paperwork or inconsistency in your story, no matter how small, is something they will gladly use against you<\/p><p>\u00a0<\/p><p>In the face of any eventuality, you should contact an\u00a0<strong>bad faith insurance claim<\/strong> attorney\u00a0immediately. The advice of a professional will help you tip the balance in your favor, avoid common mistakes, and be confident that your case is in good hands.<\/p><p>\u00a0<\/p><p>To file a\u00a0<strong>Bad Faith Insurance Claim in Florida<\/strong>, you can do so through the Florida Department of Financial Services or go to court.<\/p><p><br \/>You will need:<\/p><ul><li>Your name, address, and phone number.<\/li><li>The name of the insurer who you suspect acted in bad faith.<\/li><li>A description of the events that made you suspect the insurer.<\/li><li>Any other relevant information or evidence.<\/li><\/ul><div><strong>Bad faith insurance claims<\/strong>\u00a0are separate from the original insurance claim. If you already filed a claim after a\u00a0car accident\u00a0and you suspect\u00a0<strong>Bad Faith<\/strong>\u00a0in your case, you must file a second\u00a0<strong>Bad Faith Claim<\/strong>.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b26d0f8 elementor-widget elementor-widget-heading\" data-id=\"b26d0f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is your insurer unfairly delaying or avoiding payments? We are here to help!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8599e99 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8599e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"> <\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0019736 elementor-widget elementor-widget-text-editor\" data-id=\"0019736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Bad faith claims<\/strong>, are complex and the worst mistake you can make is to try to take on the insurance company and its lawyers alone. You need the support of your own legal team!<\/p><p>\u00a0<\/p><p>Call our personal injury lawyers today at\u00a0321-999-1111\u00a024 hours a day or fill out the online form located at the top of this page, and we will contact you shortly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a5cdc3 e-con-full e-flex e-con e-child\" data-id=\"0a5cdc3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d875d2e elementor-widget elementor-widget-heading\" data-id=\"d875d2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">We're Available 24\/7 \u2013 Chat Now<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdd7d45 elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"fdd7d45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Chat Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-634c028 elementor-widget elementor-widget-heading\" data-id=\"634c028\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">We Speak English, Portuguese &amp; Spanish<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bad Faith Insurance What is Bad Faith in Florida Law and Insurance Claims? Insurance companies must act with a sincere [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":285,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-460","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/comments?post=460"}],"version-history":[{"count":25,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/460\/revisions"}],"predecessor-version":[{"id":2599,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/460\/revisions\/2599"}],"up":[{"embeddable":true,"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/pages\/285"}],"wp:attachment":[{"href":"https:\/\/www.firstchoicelaw.com\/new\/wp-json\/wp\/v2\/media?parent=460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}