Insurance companies often utilize several excuses to deny consumers their rightful claims. The goal of an insurance company is to maximize its profits while minimizing the amount they pay people who have been injured in car crashes and trucking accidents.
One common reason utilized by insurance companies is referred to as “misrepresentation.” Misrepresentation is found under Florida Statutes Section 627.409. http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.409.html
Essentially, the statute states that if a customer does not provide the full or correct information when applying for insurance, the insurance company is granted the ability to deny compensation in the case of an accident. In many instances, insurance companies have abused this law, citing misrepresentation to avoid allowing injured people to recover fully.
An example of innocent misrepresentation deals with car insurance. A company will ask whether or not a car is kept in a garage. If a customer marks the car as being garaged, but the car is involved in an accident while parked outside the house, the insurance company will likely cite misrepresentation and avoid compensating the individual with the wrecked car. This is just one example of many where insurance companies take advantage of the customer.
Often, the questions consumers are asked when filing for insurance are extensive, ambiguous, and confusing. Further, companies do not fact-check the accuracy of customer answers. And why should they? If you misinterpret an answer, the insurance company can use that against you if you file a claim.
At Glassman & Zissimopulos Law, we are dedicated to helping people who have been injured and are being mistreated by insurance companies. We believe everyone has the right to full and fair recovery if an injury occurs and an insurance company wrongfully denies a claim. If you feel like an insurance company is not representing you properly or if you have any questions regarding your rights to insurance, do not hesitate to call the office of Glassman & Zissimopulos at (352) 505-4515 or email: firstname.lastname@example.org.
We have worked closely with those denied their insurance claim based on misrepresentation and are ready to assist those seeking justice.