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Florida Insurance & Litigation Lawyers / Sunrise Third-Party Coverage Dispute Lawyer

Sunrise Third-Party Coverage Dispute Lawyer

Liability insurance is an important part of insurance coverage. When you purchase liability insurance, the provider agrees to protect you against claims made by a third party. That protection comes in the form of either settling with the third party out of court, or defending you during trial. The insurance company also agrees to pay any judgments made against you, within the limits of the insurance policy. If your insurance company has failed to do this, our Sunrise third-party coverage dispute lawyer can help.

What Does Liability Insurance Cover?

Most motorists in Florida understand that their auto insurance covers bodily injury and property damage liability coverage. However, many Floridians do not understand that many homeowners’ policies, as well as those covering tenants and condominiums, also include liability insurance. If someone slips and falls, or is bitten by your dog, while on your property, this liability insurance will apply.

In these instances, the insurance company has a legal duty to settle with the injured individual or represent you in court if a lawsuit is filed against you. Many times, insurance companies argue that the claim is not covered under your insurance policy. They do this in order to protect their own profits rather than fulfill their legal obligation to you.

Litigating Third-Party Coverage Disputes

Sometimes, it is necessary to go to court to determine if there is existing coverage. If you can show that coverage does exist, you may be able to obtain a declaratory judgment from the court. However, if your insurer loses a declaratory judgment after defending you in court, you may still have to go to court to determine if coverage exists and the insurance company’s obligation to you.

Your insurance company may have a duty to settle with the third party or a duty to defend, and the two are separate from each other. If it is clear that a third party has been injured and they have made a reasonable demand for compensation, your insurance company has a duty to settle with them. That is, provide them with compensation in accordance with their demand. If the insurer litigates the matter and does not win, the insurer may be liable for breaching its duty to settle. In this case, the insurer may be liable for the entire judgment, even if it exceeds the limits of the insurance policy.

Call Our Third-Party Coverage Dispute Lawyer in Sunrise

You purchase liability insurance to protect yourself in the event that someone becomes hurt while on your property or in an auto accident. You expect your insurer to be there for you when you need it. If your insurance company has not fulfilled its legal obligation to you, our Sunrise third-party coverage dispute lawyer at Geyer Fuxa Tyler can help you make things right. We have extensive experience going up against the biggest insurance companies and we can help you obtain the best possible outcome. Call us today at (954) 990-5251 or chat with us online to schedule a consultation and to learn more about how we can help.

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If you are having difficulty receiving coverage or compensation on your insurance claim, call our office for a free consultation. Several of our attorneys and staff members speak Spanish, and we are always here to serve you.

We take cases on a contingency fee basis, which means that our fees and costs are contingent on achieving a positive result for you. In many cases, however, our fees and expenses are paid mostly or entirely by the insurance company.

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