Dyson Law PLLC provides compassionate and aggressive representation for South Florida car accident victims.
Dyson Law PLLC is now accepting life insurance policy disputes on behalf of consumers and policy beneficiaries across South Florida. As life insurance disputes attorneys many of us may have a relative or loved one who was fortunate enough to purchase a life insurance policy for the financial protection of their spouse and/or children. One would think that after purchasing this insurance policy and paying the necessary premiums – sometimes for many years – that the named beneficiaries would automatically obtain the monetary proceeds of the policy from the insurance company upon the loss of their loved one. Unfortunately, it is not that simple and the insurance company may attempt to avoid payment.
Dyson Law PLLC knows that when a life insurance policyholder passes away, their beneficiaries may not be able to collect those life insurance proceeds as easily as one might think. In more and more cases, insurance companies are attempting to disclaim coverage or are alleging what is known as a material misrepresentation against the policy holder with one goal in mind – to avoid paying out the full value of the insurance policy. In many instances, this may involve an error, omission, or an allegation that something that was disclosed about the insured’s health history (which often may be of little significance) was untrue.
When given the opportunity to pay life insurance policy proceeds, many insurance companies simply have no loyalty to their policy holders. They instead elect to boost their own profits by not paying on the policy. When faced with such a bleak situation, what should a consumer do?
Several years ago, Dyson Law PLLC was successful in litigating a Federal court case versus an insurance company which had alleged a material misrepresentation against its insured, claiming that the insured intentionally failed to inform them that he had been diagnosed with cancer prior to the policy going into full force and effect. However, attorneys Ken Metnick and Peter Dyson were successful in establishing that the insurance company was wrong, as it had moved up the effective date of the insurance policy to a date when the policy holder had yet to be diagnosed with cancer. After a lengthy litigation, the case resolved for $4,000,000.00.
The Delray Beach life insurance dispute litigation attorneys at Dyson Law PLLC are taking on life insurance companies to protect the rights and financial interests of policy holders and their beneficiaries. We handle these cases on a contingent fee basis, meaning you pay nothing unless we win. You have nothing to lose and so much to gain by involving a skilled professional from our firm to handle your claim.
Florida drivers must purchase personal injury protection (PIP) coverage. This covers up to $10,000 of your medical bills and lost wages if you are hurt in an accident. You must see a doctor within two weeks of the South Florida automobile accident to make a claim on your PIP insurance. You can submit a claim, regardless of who was at fault for the accident. This allows you to begin to receive medical care immediately, without worrying about the bills.
PIP coverage does not prevent you from suing the other driver, though. If your damages exceed $10,000 you are allowed to sue for the remaining balance. For instance, if you have $50,000 in medical bills, you can sue for the remaining $40,000 after using PIP coverage. You can also sue for other losses caused by the accident, such as lost wages.
Some people don’t file claims because they are partially responsible for the accident. First, it’s important to understand that even if you feel culpable, you might not hold any legal responsibility. A South Florida car accident attorney can reconstruct the accident and evaluate other evidence to determine fault. Second, Florida is a pure comparative negligence state. That means you can file a claim and recover damages unless you are 100 percent at fault. The court reduces the amount of damages you can recover based on your degree of responsibility. For example, if you are 25 percent at fault, your recoverable damages will be reduced by 25 percent.
Your recoverable damages are based on factors such as the extent of your injury and your long-term prognosis. Your South Florida auto accident attorney will need to evaluate the evidence before determining what your case is worth. You might be eligible for economic and non-economic damages, depending on the evidence. After your attorney values your case, he or she can negotiate with the insurance company or take the case to trial.
You have up to four years from the date of the accident to file a claim. Once the statute of limitations has expired, you cannot file a claim or collect damages. It’s a good idea to begin the process immediately following the accident while the evidence is still fresh. This will also help you collect damages sooner, so you can replace the income you’ve lost and pay for your medical bills. Many people find that filing the case well before the statute of limitations is the key to eliminating stress after an automobile accident.
Through our years of practice, our team at Dyson Law PLLC has been able to secure outstanding results for many individuals and families who have suffered harm as a result of negligent and wrongful conduct.