Generally, there are two types of cases related to the insurance that would cause you to need an attorney for -- a first-party claim, and a third-party claim.

First-party claims involve a lawsuit directly against your insurance company. First-party claims are brought when the insurance company either underpays or refuses to pay benefits.

A third-party insurance claim occurs when you bring a claim against someone else’s insurance company after that person has acted in a negligent manner and caused you injury. These types of claims can also arise when your attorney obtains a judgment against the negligent party that is in excess of the negligent party’s insurance coverage.  This causes a claim against the insurance company for failure to settle a claim when they should have settled.

Additionally, in some personal injury claims, a Florida attorney from Avera & Smith is brought in to work alongside your insurance company's own attorneys.

Insurance claims can be a confusing process, even for the experts.

If you’re having problems obtaining benefits from your insurance company, or are in a legal dispute involving an insurance-related matter, contact the law firm of Avera & Smith. We handle disputes over health, life, and homeowners insurance.