Insurance Dispute Lawyer in Florida
Protecting Policyholders When Insurance Companies Delay, Deny, or Underpay Claims
At the Law Offices of Robert Dixon, we represent Florida policyholders facing denied claims, delayed payments, and underpaid insurance benefits. Insurance companies often prioritize profits over people — our firm focuses on protecting your policy rights.
From PIP disputes and UM/UIM coverage conflicts to bad faith insurance practices, an experienced Insurance Dispute Lawyer in Florida can help enforce your coverage and pursue the compensation you are entitled to under Florida insurance law.
Serving clients in Miami, Fort Lauderdale, West Palm Beach, and Orlando.
Types of Insurance Disputes We Handle
1. Denied Insurance Claims
Insurance companies may deny claims based on alleged exclusions, technical defenses, or disputed coverage interpretations.
We carefully review your policy and challenge wrongful denials to enforce your contractual rights.
2. Low Settlement Offers / Underpaid Claims
Insurers frequently undervalue claims involving serious injuries, lost income, future treatment, or long-term disability.
We pursue full and fair compensation based on documented damages.
3. Delayed Claim Payments
Unreasonable delays may indicate improper claims handling or potential bad faith conduct.
Florida law requires insurers to timely investigate and respond to valid claims.
4. PIP (Personal Injury Protection) Disputes
Florida follows a no-fault insurance system. After most car accidents, injured individuals must rely first on their PIP benefits.
We handle PIP claim denials, medical necessity disputes, billing reductions, and improper payment limitations.
5. Insurance Bad Faith Litigation
If an insurer fails to properly investigate, evaluate, or settle your claim, you may have grounds for a bad faith action.
We pursue claims under Florida’s bad faith statute when insurance companies place profits over policyholder rights.
6. Property Damage Disputes
We assist with total loss disputes, diminished value claims, and disagreements over vehicle valuation after serious accidents.
7. Uninsured Motorist (UM)
UM coverage applies when the at-fault driver has no insurance or in hit-and-run accidents, allowing you to seek compensation through your own policy.
8. Underinsured Motorist (UIM)
UM coverage applies when the at-fault driver has no insurance or in hit-and-run accidents, allowing you to seek compensation through your own policy.
The Law Offices of Robert Dixon regularly represents policyholders in disputes involving major carriers such as
Nationwide, GEICO, State Farm, Allstate, Progressive, Liberty Mutual, and Farmers Insurance.
Regardless of the insurer, companies operating in Florida must honor valid claims, properly investigate losses, and comply with state regulations.
Serving Clients Across Florida
The Law Offices of Robert Dixon represents clients throughout:
- Miami & Miami-Dade County
- Fort Lauderdale & Broward County
- West Palm Beach & Palm Beach County
- Orlando & Central Florida
We assist individuals and businesses facing insurance disputes involving auto accidents, commercial vehicles, and complex policy limit conflicts.
FAQ
Can I sue my insurance company in Florida?
Yes. If your insurer wrongfully denies, delays, or underpays a valid claim, you may have the right to file a lawsuit. In certain situations involving bad faith conduct, Florida law allows policyholders to pursue additional damages beyond the original claim amount.
What qualifies as insurance bad faith?
Bad faith occurs when an insurer fails to act fairly and honestly toward its policyholder, including unreasonable delays, inadequate investigations, or unjustified denials.
What should I do if my PIP claim is denied?
Contact an attorney immediately. A legal review of your policy, medical records, and claim file can determine whether the denial violates Florida law.
How long do I have to file an insurance dispute in Florida
Deadlines vary depending on the type of claim. Most negligence-related claims must be filed within two years, but contractual and bad faith claims may follow different timelines. Prompt legal review is critical to protect your rights.
What is UM/UIM coverage and why is it important?
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protects you when the at-fault driver lacks sufficient insurance. Disputes often arise when insurers attempt to limit or deny these benefits.
Can I recover pain and suffering damages in Florida?
Pain and suffering damages are generally available only if you meet Florida’s serious injury threshold. An attorney can evaluate whether your injuries qualify beyond basic PIP benefits.
Do I need a lawyer for an insurance coverage dispute?
While not legally required, insurance companies have experienced adjusters and defense attorneys protecting their interests. Working with an Insurance Dispute Lawyer in Florida helps level the playing field and ensures your policy rights are enforced.
Client overview
