When you buy insurance, you’re entering into a contract built on trust. You pay your premiums faithfully, believing that when disaster strikes, your insurer will be there to help. Unfortunately, that trust is sometimes broken. Insurance companies have immense financial incentives to deny, delay, or minimize legitimate claims. When they act dishonestly or unreasonably, they may be guilty of insurance bad faith under Florida law.
At Kibbey Wagner Injury & Car Accident Lawyers, we’ve seen what happens when insurers put profits over people. We have more than 80 years of combined experience and have helped clients recover over $500 million in compensation. If you believe your insurer is acting in bad faith in Port St. Lucie, Florida, we’re ready to fight for your rights and the compensation you deserve. Contact us today at (772) 247-3374 for a free consultation with a Port St. Lucie bad faith insurance lawyer.
Why Choose Kibbey Wagner Injury & Car Accident Lawyers for Your Bad Faith Insurance Case in Port St. Lucie, FL?
Insurance companies have teams of lawyers, adjusters, and analysts dedicated to minimizing payouts. You need a team with the skill, reputation, and resolve to level the playing field.
At Kibbey Wagner Injury & Car Accident Lawyers, we offer:
- Decades of Legal Experience – Our attorneys bring more than 80 years of combined experience handling complex insurance disputes. We know the playbook insurance companies use. We also know how to counter it effectively.
- Proven Results – We’ve helped clients recover over $500 million across Florida. This includes cases where insurers acted in bad faith.
- Local Insight, Statewide Reputation – We understand the local court system, judges, and insurance defense firms that operate in the area.
- Aggressive, Strategic Representation – We prepare every case as if it will go to trial. This gives us tremendous leverage in negotiations and unparalleled confidence in litigation.
- Personalized Attention – You’ll never feel like just another file. Our firm keeps clients informed and empowered through every stage of the case.
In insurance bad faith claims, success comes from persistence, preparation, and a deep understanding of Florida law. These are all hallmarks of our firm’s approach. Contact us today for a free case review with a Port St. Lucie personal injury lawyer.
What is My Bad Faith Insurance Claim Worth in Florida?
The value of a bad faith insurance claim can vary widely, depending on your situation. The potential damages are often far greater than those in the underlying insurance dispute.
Under Florida law, policyholders can recover not just the amount originally owed under the policy, but additional compensation for losses caused by the insurer’s misconduct, including:
- The full amount of your original claim (the benefits wrongly denied or delayed).
- Consequential damages, such as additional financial harm resulting from the insurer’s bad faith (e.g., foreclosure, credit damage, or legal costs).
- Punitive damages, in cases of intentional or malicious misconduct.
- Attorney’s fees and litigation expenses.
The total value of a case depends on how egregious the insurer’s actions were and the scope of your resulting damages. An experienced Port St. Lucie bad faith insurance attorney can analyze your policy, assess your claim’s value, and develop a strong strategy to recover what you’re owed.
What Kinds of Damages Are Available to Victims of Bad Faith Insurance in Port St. Lucie?
Florida law recognizes both first-party and third-party bad faith claims. Each variety of claim can give rise to distinct types of damages.
First-Party Bad Faith Claims
These arise when your own insurer acts unfairly in handling your claim. For example, if an insurer refuses to pay for storm damage, auto repairs, or medical coverage after an accident, this could constitute first-party bad faith.
Damages can include:
- Policy benefits wrongfully withheld.
- Costs of suing or arbitrating with the insurer.
- Additional financial losses caused by delays or denials.
- Compensation for stress, anxiety, and other non-economic losses.
- Punitive damages for willful or reckless misconduct.
Third-Party Bad Faith Claims
These occur when your insurer fails to protect you from liability in a claim brought by someone else. For instance, when the at-fault driver’s insurer refuses to settle within policy limits and leaves you legally exposed to a large personal judgment.
Damages can include:
- The full amount of the judgment entered against you (even if it exceeds policy limits).
- Legal fees and court costs.
- Emotional and reputational harm.
- Punitive damages in egregious cases.
In both types of bad faith claims, Florida courts allow recovery for all losses directly resulting from the insurer’s bad faith. The key is proving that the insurer’s conduct was not just a mistake or miscommunication. You must prove that the conduct was an unreasonable, but completely deliberate disregard of the duty to act in good faith.
How Much Does it Cost to Hire a Bad Faith Insurance Lawyer in Port St. Lucie?
At Kibbey Wagner Injury & Car Accident Lawyers, we work on a contingency fee basis. This means our fee comes as a percentage of the recovery we obtain for you. Our fee structure ensures that individuals and families in Port St. Lucie can stand toe-to-toe with billion-dollar companies without any financial risk.
Contact a Port St. Lucie Bad Faith Insurance Lawyer to Schedule a Free Consultation
Insurance companies have obligations. When they break their obligations, you have the right to hold them accountable. At Kibbey Wagner Injury & Car Accident Lawyers, we’ve spent decades fighting for individuals and families across Florida. We don’t just file claims, we build strong and compelling cases.
If you suspect your insurer is acting unfairly, contact us today at (772) 247-3374 for a free consultation with a Port St. Lucie bad faith insurance attorney. Let us help you restore fairness, enforce accountability, and recover the compensation you’re owed.
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