Insurance Law

Individuals and businesses obtain appropriate insurance, like property insurance or auto insurance, to limit liability after an accident resulting in property damage or injury. People often pay high premiums for coverage, because they believe the insurance will adequately compensate after a loss.

However, insurance companies generally attempt to offer the lowest possible settlement or deny the claim altogether. After an accident, it is important to consult an experienced Tampa insurance lawyer. A skilled insurance lawyer will help you review your insurance policy and carefully consider all your legal options.

Tampa Insurance Law Attorney

Germain Law Group, P.A. advocates for the rights of insurance policyholders throughout Central Florida. By holding insurers responsible for honoring their policies, Germain Law Group, P.A. helps individuals and businesses receive what they are lawfully entitled. Through extensive research, preparation, and aggressive representation, Germain Law Group, P.A. continues to fight on behalf of residents and business owners in the community.

Michael Germain of Germain Law Group, P.A. is experienced in insurance matters, including property insurance, worker’s compensation, life insurance, health insurance, life insurance, automobile insurance, ERISA claims, and disability insurance.

Contact Germain Law Group, P.A. at (813) 835-8888 or submit an online form for a confidential consultation. During your free, initial consultation Michael Germain will personally discuss your legal options and answer any questions.

Germain Law Group, P.A. proudly represents individuals throughout Hillsborough County, including Tampa, Plant City, Temple Terrace, Sun City Center, Clair-Mel City, Hunters Green, Bay Crest Park, Sweetwater Creek, and surrounding communities.

Florida Insurance Law Information Center

Germain Law Group, P.A. represents individuals in the following areas of insurance law:

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Property Insurance

An individual or business may obtain property insurance to limit liability or compensate for loss caused by a natural disaster, theft, other criminal acts, and general accidents. Property insurance is offered in several different forms, including the following:

  • Personal Property
  • Homeowners
  • Condos or Condominiums
  • Renters
  • Commercial Property
  • Builder’s Risk
  • Business Interruptions/Business Income Insurance
  • Insurance for Loss of Use
  • Ordinance of Law Coverage

The extent and limitation of coverage depend on the type of insurance and the terms of the policy.

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Auto Insurance

Under Florida law, each driver is required to maintain minimum automobile or car insurance. This insurance is designed to compensate the driver who was not at fault in the accident for property damage, medical costs, injuries, lost wages, and any other loss incurred as a result of the accident.
The following types of auto insurance are available in the state of Florida:

  • Personal Injury Protection (PIP)
  • Property Damage Liability (PD or PDL)
  • Bodily Injury Liability (BI or BIL)
  • Underinsured Motorist Liability
  • Uninsured Motorist Bodily Liability

Claims often arise when the insurance company offers a settlement, which is insufficient to cover the damages incurred.

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Disability Insurance

Disability insurance, commonly referred to as long-term care insurance, is purchased in advance by an individual in case of physical or mental disability, which would materially affect routine functions.

Disability insurance policyholders generally rely on disability insurance to cover regular expenses, including mortgage payments, car payments, long-term care or rehabilitative facilities, and other necessary expenses.

Many disability insurance policies have hidden provisions or exclusions in the policy, which create a high risk of denial of disability claims. It is recommended to consult an experienced disability insurance lawyer immediately after the denial of a disability claim.

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Life Insurance

Life insurance is a type of insurance purchased in advance in the event of a family member or loved one’s death. The following types of life insurance are available in Florida:

  • Permanent Life Insurance
  • Term Life Insurance

After experiencing the loss of a loved one, denial of a life insurance claim can be excruciating. Many people expect life insurance to cover burial costs and the regular expenses of the remaining family members.

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Germain Law Group, P.A. ǀ Hillsborough County Insurance Attorney

If you have an insurance law claim, it is important to act quickly.  Florida has a statute of limitations for insurance claim lawsuits, which set a time limit in which you can file after the initial insurance claim.

While the range may be anywhere from 2 to 5 years, it is best done as close to the claim incident as possible. An experienced insurance law attorney can use this time to collect any time-sensitive information, such as evidence, documents, and witness testimony.

Michael Germain of Germain Law Group, P.A. is an experienced insurance law attorney, who works diligently to ensure his clients rightfully compensated after wrongful denial of an insurance claim. Germain Law Group, P.A. represents individuals throughout Florida, including Hillsborough, Pasco, Pinellas, Polk, Hernando, Citrus, Sumter Counties, and surrounding areas.

Contact Germain Law Group, P.A. at (813) 835-8888 or submit an online form to schedule a confidential review of your case.

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