It generally describes an insurer’s failure to settle within policy limits when it should have, or unreasonable denial or delay without a proper basis—specific standards depend on first-party versus third-party context under Florida statutes and case law.
Palm Beach County & Orlando
Insurance Disputes
Fight underpayment or wrongful denial of PIP, UM, BI, and other Florida policies—policy interpretation, proof-of-loss packages, and litigation when carriers refuse fair treatment.
- No Fee Unless We Recover
- Direct Attorney Involvement
- Local to Palm Beach County
Real people. Real answers. A stronger tomorrow.
How We Help
People First. Results Always.
If you’ve been injured in an insurance dispute in Palm Beach County, you’re likely dealing with medical bills, insurance adjusters, and a lot of uncertainty. Our firm provides clear guidance, handles the legal process, and fights for the full compensation you’re entitled to. Fight underpayment or wrongful denial of PIP, UM, BI, and other Florida policies—policy interpretation, proof-of-loss packages, and litigation when carriers refuse fair treatment.
Quick Florida Answer
Insurance disputes arise when carriers delay, underpay, or deny valid first-party or third-party benefits—UM, PIP, property, or liability coverage. Success depends on policy language, timely proof of loss, appraisal or mediation clauses, and, when appropriate, bad-faith or declaratory judgment actions under Florida law.
Reviewed by Aaron R. Coven , Florida Bar No. 38988. Updated August 21, 2026.
Practice Areas
Focused on What Matters
Auto Accidents
Car, truck, and motorcycle accident cases.
Premises Liability
Protection for those injured on someone else’s property.
Workers’ Compensation
Helping injured workers get the benefits they deserve.
Slip and Falls
Unsafe property conditions and premises injury claims.
Insurance Disputes
Fighting insurance companies to ensure fair compensation.
Wrongful Death
Support for families after a fatal accident.
Typical Claim Timeline
Typical claim timeline
Every case differs; this is a simplified roadmap many Florida injury matters follow.
- 1
Policy review
Obtain the complete policy, declarations, endorsements, and any superseding amendments; map coverages, deductibles, and deadlines.
- 2
Documentation package
Submit organized proof of loss with narratives from treating providers, invoices, and wage verification tailored to the coverage at issue.
- 3
Pre-suit negotiation
Engage in appraisal, mediation, or statutory cure periods where required before filing suit.
- 4
Litigation or regulatory escalation
File breach-of-contract or bad-faith cases, or coordinate with DFS complaints when carriers act in bad faith—strategy depends on the record built below.
What Affects Case Value
Factors that can impact your case
Injuries
Clarity of coverage grants versus ambiguous exclusion wording construed against the insurer
Liability
Timeliness of notice and cooperation with reasonable requests
Insurance
Strength of expert or billing opinions supporting medical necessity
Treatment
Documented lowball tactics or failure to investigate in good faith
Why Choose Our Firm
A different kind of law firm
Experienced Team
Decades of combined experience in personal injury law.
Personalized Attention
You work directly with Aaron, not a case manager.
Proven Results
A track record of fighting for maximum recovery for our clients.
24/7 Availability
We’re here when you need us, day or night.
Our clients aren’t just case numbers. They’re neighbors, families, and members of our community.
What To Do After an Accident
What should I do after a Florida insurance disputes?
01
Today
- Save every letter, email, and portal message from the insurer with timestamps.
- Note any verbal promises made by adjusters.
02
This week
- Request a certified copy of your full policy jacket.
- Prepare a one-page chronology of calls and claim numbers.
03
This month
- Avoid cashing checks marked “full and final” without review.
- Discuss whether appraisal, civil remedy notice, or suit is the right lever.
Our Roots
Local to Palm Beach County
Hurricane and water-damage fights aside, injury clients in South and Central Florida frequently battle PIP examinations, UM stacking questions, and low bodily-injury offers that ignore future care. We align medical and billing records with policy definitions so carriers cannot hide behind vague exclusions.
Our Locations
Palm Beach County.
Our home. Our community.
Common Questions
Common Questions
Palm Beach County Resources
Related Florida resources
What Clients Say
In Their Words
They treat you like family instead of a case number. I cannot say enough good things about these folks.
Eddie is very professional and truly helps fight on his clients’ behalf. And you can tell when speaking to Aaron he has decades of experience.
They really treat you like family. If there was something I did not understand, they took their time and explained everything to me.
Ready to get started?
Let’s talk about your case
Schedule a free consultation with our team.