Insurance Coverage - General

Once again, Florida is ground zero for a major hurricane.  On September 1 and 2, 2016, Hurricane Hermine made landfall in Florida.  Hurricane Hermine’s path took the Hurricane directly over Florida’s Big Bend area through Leon County and into Georgia.

The wind and water damage along the direct path of Hurricane Hermine.  However, many parts

In a long awaited opinion, in Citizen Property Insurance Corporation v. Perdido Sun Condominium Association, Inc., 40 FLW S265 (Fla., May 14, 2015), the Florida Supreme Court held that Citizens was immune from first party statutory bad faith claims.

[A] statutory first party bad faith cause of action under 624.155(1)(b) is not an exception to the immunity granted to Citizens by the Legislature.

However, the Court left open two areas where Citizens remains vulnerable to a suit for extra-contractual damages.
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Mr. and Mrs. Yeates were severely injured when the vehicle Mrs. Yeates was driving was struck head-on by a livestock truck owned by Bingham Livestock.  The Yeateses sued Bingham Livestock and the truck driver.  Bingham Livestock carried two insurance policies, one issued by State Farm and one issued by Carolina Casualty. 

 State Farm tendered its

Agents have a special obligation to properly explain the implications of a coinsurance penalty in regards to his or her client’s insurance needs.  Most insureds have no idea what a coinsurance penalty is, or how it works.  It is vitally important for agents to fully explain the coinsurance penalty to every insured. 

The risk of a total loss

In an earlier blog concerning this case, I noted we represented two large car dealerships who had been sued in major class actions.  Universal Underwriters Insurance Company insured both dealerships.  The dealers asked Universal Underwriters to defend and indemnify them for the claims in the class actions. Universal agreed to defend the claims, but advised that

The Nation Law Firm represents two large car dealerships who had been sued in major class actions.  Universal Underwriters Insurance Company insured both dealerships.  The dealers asked Universal Underwriters to defend and indemnify them for the claims in the class actions. Universal agreed to defend the claims, but advised that even though the class actions

For the ninth year in a row, J.D. Power & Associates ranked Amica Mutual highest in customer satisfaction among auto insurance companies. The annual study ranks customer satisfaction based on five factors: interaction with policyholder, policy offerings, billing and payment, price and claims.

Amica was followed by State Farm, Erie Insurance, Auto-Owners, American National Property

The Nation Law Firm has recently filed a class action lawsuit against Blue Cross Blue Shield of Florida, Inc.  

Initially, the Nation Law Firm had sued the Florida Insurance Company for failing to reimburse our client for medical expenses she incurred from two separate back surgeries.  The client sought highly specialized, minimally invasive laser disc ablation

The Martin County Circuit Court recently decided that an insurer did not waive the “binding appraisal” provision of its policy by disputing coverage and by not requiring appraisal until after suit was filed.  Further, although the claim involved a hurricane claim, the court determined that waiver under Section 627.7015 did not apply, since the policy at issue