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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.

Law Offices of Kim Michael Cullen, P.A.
1219 E. Livingston St.
Orlando, FL 32803
Email: kcullen@cullen-law.com
Phone: 407-254-4901

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

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Blog for Insurance Disputes

• First Chinese Wall Jury Verdict Comes From Florida
• First Chinese Wall Decision Great News For Homeowners

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Library for Insurance Disputes:

• Court Forces Homeowners Insurance Carrier To Pay For Total Loss To Home Caused By Hurricane Wind Damage   
  Description: 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.
• Florida Farm Bureau Casualty Ins. Co. v. Mathis, (Fla. 1st DCA 2010) [PDF]   
  Description: 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.
• What does it mean if an insurance company is acting in bad faith?   
  Description: 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.

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Frequent Questions for Insurance Disputes:

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