• Car, Truck, and Motorcycle Accidents
• Slip and Falls and Negligent Security
• Insurance Disputes
• Child Injuries, Neglect and Sexual Abuse

Blog

Videos

Library

Unfortunately, insurance companies don't always act in good faith.

Insurance is one of things that we all must have, but hope to never use.  When you purchase any type of insurance, you are essentially entering a legal contract that requires the insurance company to be there if you are sick or injured, or if your property has been damaged.  If something happens that is covered by your insurance, it is reasonable for you to expect full compensation without delays. You paid for it, and you are entitled to full benefits when you have a legitimate covered claim.

Unfortunately, insurance companies don't always act in good faith.  Insurance claims cost the insurance companies money, so insurance policies are often full of loopholes and exclusions that are confusing and that can be interpreted in a way that allows the insurance companies to avoid paying full benefits. 

If an insurance company has refused to pay your claim, denied you payment, has offered you an inadequate settlement, is delaying payment or is requesting excessive documentation and paperwork, Orlando attorney Kim Cullen may be able to help you.  Kim has experience with many types of insurance disputes.

Health insurance

Medical insurance is supposed to cover health care.  However, loopholes often exclude pre-existing conditions and newer or experimental treatments.  Delays and unfair denials can cost you money, and if they keep you from getting the care that you need, they may even endanger your health!

Homeowner's and property insurance

It is not uncommon for insurance companies to deny, delay or underpay homeowner's claims.  Adjustors may also try to pressure homeowners into quick settlements that do not sufficiently cover the property damage or loss. 

Auto insurance

By law, you have to carry a minimum amount of personal injury protection coverage in your automobile insurance policy.  This is supposed to ensure that your medical bills and lost wages will be paid if you are in a car accident.  However, insurance companies sometimes elect not to pay medical bills or lost wages that should be covered under the insurance policy.  Working with a lawyer like Kim can ensure that you get the coverage and benefits you are entitled to. 

Kim can also help with disputes involving vehicle repair costs, diminished car values, and stolen vehicles.

Kim Cullen handles all types of insurance disputes, including life insurance, health insurance, automobile insurance, homeowners insurance, property insurance, renters insurance, disability insurance, and travel insurance. 

When an accident, illness, wrongful death, or property damage affects your family, you have enough on your mind.  You don't need the added stress of dealing with insurance companies.

At the Law Offices of Kim Cullen, we treat you like we would like to be treated. That's why we keep our caseload small, so we can do just that.

Your case will get our very best effort.  Kim and his staff will go over every detail of your insurance contract looking for ways to help you.  He will do legal research, search for similar cases, and generally do everything he can to see you get full and fair compensation.

If your insurance company is acting in bad faith, call Kim.  Kim will review your claim and your contract and let you know how he can help. The initial consultation is always free.

Orlando, Winter Park, Maitland, Kissimmee, Casselberry, Altamonte Springs, Longwood, Lake Mary, Heathrow, Sanford, Winter Springs, Winter Garden, Clermont, Clearwater, Tampa, Lakeland, Cocoa Beach, Melbourne.  As well as Orange, Seminole, Osceola, Lake, Volusia, Brevard, Polk, Hillsborough, Pinellas, Sumter, and Marion Counties

---

Blog for Insurance Disputes

• Has Your Insurance Agent Given You Bad Advice Regarding A Claim
• Greedy Mortgage Company Rebuked By Court In Insurance Dispute Over Fees
• First Chinese Wall Jury Verdict Comes From Florida
• First Chinese Wall Decision Great News For Homeowners

---

Library for Insurance Disputes:

• Consumer Federation of America - Consumer Alert - Auto Insurers Making Computerized Lowball Offers [PDF]   
  Consumer Federation of America issued a Consumer Alert warning automobile accident victims that many large insurance companies are using computerized systems to generate savings to the companies by not making reasonable offers based upon the evidence. Orlando accident attorney Kim Cullen takes on insurance companies for consumers. Call Kim at 407-254-4901.
• Say It Ain't So: Some of Nation's Largest Auto Insurance Companies Accused of Systematically Making "Lowball" Offers   
  Automobile insurance companies tune their computers to make lowball offers in order to save money, so says the Consumer Federation of America. In an effort to save money, several large insurance companies fail to evaluate claims fairly. Orlando accident attorney Kim Michael Cullen represents consumers in insurance disputes and injury cases. Call Kim at 407-254-4901.
• Allstate Insurance Pays $10M Regulatory Fine For Claims Handling Practices   
  Allstate Insurance Company just paid $10 million to resolve an investigation by 45 states into its claims handling practices. Insurance companies in Florida owe claimants and their insureds a duty not to analyze claims in bad faith. Orlando personal injury attorney Kim Cullen handles claims against Allstate Insurance and other insurance companies. Call Kim at 407-254-4901.
• The Incredible Disappearing Disability Insurance Coverage   
  Many Florida consumers think they are protected if they become disabled and cannot work. They don't realize that many disability insurance companies are dead set on denying benefits or finding other ways not to pay. Orlando insurance dispute lawyer Kim Cullen has handled many successful claims against insurance companies for benefits. Call Kim at 407-254-4901.
• Florida Farm Bureau Casualty Ins. Co. v. Mathis, (Fla. 1st DCA 2010) [PDF]   
  Florida First District Court of Appeals decision regarding an insurance dispute between Mathis and Florida Farm Bureau Casualty, his homeowners insurance carrier. Insurance company sought to deny portion of claim on basis that part of total loss of home from hurricane was due to flood damage, not wind damage. Court decided in favor of homeowner. Orlando insurance dispute lawyer Kim Cullen handles cases against insurance companies that don't want to pay valid claims. Call Kim at 407-254-4901.
• Court Forces Homeowners Insurance Carrier To Pay For Total Loss To Home Caused By Hurricane Wind Damage   
  A Florida appeals court decided in an insurance dispute case that a homeowner could recover from his homeowners insurance carrier for the total loss of his home that was attributed to wind damage from a hurricane. This despite the fact that he also recovered money from his flood insurance carrier. Orlando insurance dispute lawyer Kim Cullen handles insurance disputes when insurance companies don't want to pay legitimate claims. Call Kim at 407-254-4901.
• What does it mean if an insurance company is acting in bad faith?   
  You purchase insurance based on the expectation that if disaster strikes your family, the insurance company will act in good faith and do its best to honor your claims for compensation. However, all too often insurance companies act in bad faith. Read this article to learn more about what bad faith means. If your insurance company is acting in bad faith, call the Law Offices of Kim Michael Cullen, P.A. today at 407-254-4901.

View All

---

Frequent Questions for Insurance Disputes:

• Do I have a case against my insurance company?
• What is it going to cost me to speak to or consult with a lawyer at your firm about my insurance problem?
• Do I really need a lawyer to help me on my case?

---

Case Results for Insurance Disputes:

• Orlando Insurance Dispute | Collision Coverage | Failure To Inspect

Awarded: $20,000 (plus atty fees + costs) - Settlement

• Insurance Dispute | Life Insurance | Abrupt Beneficiary Change

Awarded: $42,265.97 - Settlement

---

Videos about Insurance Disputes:

• Orlando Insurance Lawyer Says Strong Bad Faith Laws Critical

Free Book

Do I Have a Case?

News

FAQs