First Party Claims in Miami, FL
Let Our First Party Claims Lawyers Resolve Your Case in Miami
Many parties may be involved in a lawsuit, particularly when the lawsuit involves an insurance company. First party claims take place when one party directly sues another. One of the most common first party claims we handle at Jurney & De La Grana, P.A. occurs when a policyholder sues their insurance company for coverage.
Our Miami first party claims attorneys handle personal injury claims and civil and business litigation, so we are uniquely qualified to handle this kind of lawsuit. We have been practicing since 2015, and each case receives our undivided attention.
To learn more about what Jurney & De La Grana, P.A. can do for you, call us at (305) 600-3555 today.
What Is a First Party Insurance Claim?
A first party insurance claim is a dispute between the first party (the policyholder) and the second party (the insurance company). First party insurance claims occur when an insurance company does not honor valid claims – or when there is a disagreement on what the policy covers.
For example, consider a homeowner who suffers property damage during a hurricane. The homeowner files a claim with their home insurance company, and the insurance company denies the claim. The insurance company says the damage was caused by wind, and the homeowner does not have wind insurance. The homeowner argues that the damage was caused by a hurricane, not by wind.
Because the policyholder and insurance company cannot come to an agreement, they may need a first party claims attorney to help them resolve their case. Usually, the policyholder is the one to file a lawsuit against the insurance company.
What Is the Difference Between a First Party and Third Party Insurance Claim?
Unlike first party claims, which involve 2 parties, third party insurance claims involve 3 parties. Third party insurance claims arise when someone else makes a claim against your insurance policy.
If you cause a car accident, for example, the other driver might make a claim against your insurance company. If your insurance company fails to settle the claim, the other driver could file a personal injury lawsuit against you.
If you get sued because your insurance company refuses to pay policy maximums, you may also have a case against your insurance company.
This is because insurance companies must act in your best interests.
What Is Insurance Bad Faith?
Insurance bad faith occurs when an insurance company fails to uphold its duties to the policyholder. Bad faith is a breach of the implied covenant of good faith and fair dealing. You may have a bad faith insurance claim if:
- Your insurance company misrepresents your insurance policy
- Your insurance company uses complex language to try and confuse you
- Your insurance company fails to act promptly after receiving your claim
- Your insurance company delays your claim by failing to approve or deny benefits within a reasonable period.
- Your insurance company requests excessive evidence of your loss or makes you jump through hoops to move your claim forward.
- Your insurance company denies your claim without a valid reason or explanation.
- Your insurance company threatens you.
Bad faith insurance lawsuits can apply to both first party and third party claims. Jurney & De La Grana, P.A. is proud to handle first party claims in Miami, Florida.
How Can an Attorney Help?
Our first party claims attorneys can help you get the benefits you deserve from your insurance company. You paid your premiums, now you deserve the coverage you are entitled to. We can review your policy, file appeals, and hold your insurance company accountable for acting in bad faith.
By filing a first party claim against your insurance company, we cannot only help you recover the benefits specified by your policy but also additional damages to account for your inconvenience.
At Jurney & De La Grana, P.A., none of your questions will go unanswered, and you will receive aggressive and relentless representation every step of the way.
Don’t let your insurance company get away with delaying or denying your claim and taking advantage of you.
Instead, call us at (305) 600-3555 or contact us online to schedule your free consultation with our firm.
“Professional, attentive and client driven. Fantastic service”
- Diana C.
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