If you have a complaint against your life insurance company due to a denial of a life insurance claim or other bad faith insurance practices, you have several options at your disposal.
One option includes contacting your State Insurance Commissioner's office and filing a complaint. In Florida, you can go here to file a complaint. You will be asked to fill out a complaint form. They will then contact your insurer and ask for a response. When they receive a response, they will then contact you and advice you of their decision. It is important to note that the State Insurance Department powers are limited in many ways.
Another option to consider is to hire an experienced life insurance attorney. Not all attorneys are well versed in this practice area, so make sure to do your share of due diligence before hiring an attorney. The attorney you hire should be experienced in handling:
Life insurance company statistics reveal that 80% of all life insurance policies issued are never paid. The main reasons include the owner's failure to pay premiums and issuance of term life policies which end without a death payment. Another reason is that beneficiaries never claim the death benefits because of forgotten or lost life insurance policies.
Life insurance policyholders buy life insurance to provide financial protection to loved ones in the event of their death. Unfortunately, some policyholders never inform their loved ones or beneficiaries of the life insurance policies existence. This seems to occur because policyholders do not want to cause arguments between loved ones over beneficiary rights. Other times, the policyholder dies and even though someone may have known of a life insurance policy's existence, no one seems to know where the policy is located or which insurance company issued it. In addition, life insurance companies will usually not know if the policyholder died and therefore will not contact the policies beneficiaries to voluntarily tender the policy's death benefits. Because of this, millions of dollars in life insurance proceeds go unclaimed every year.
If you believe that you may be the beneficiary of a lost or forgotten life insurance policy, there are steps you can take to attempt to locate the policy. Doing it on your own will be extremely difficult since over the last few decades, there have been thousands of life insurance companies. In addition, many of these companies have either merged, demutualized, changed names or gone into receivership. When attempting to locate a lost life insurance policy, some old fashion investigative work might come in handy. You can try contacting the policyholder's past attorneys, accountants, insurance agents, or other trusted professionals throughout the last few decades to see if they have any knowledge of the existence of any life insurance policies. You can also look through cancelled checks to look for any insurance premium payments that might relate to a life insurance policy. Try doing the same for old credit card statements in the event policy premiums were paid via credit card. Try contacting old employers to see if the policyholder owned any group life insurance policies.
You can also hire a policy finder service that will make limited efforts in locating a missing policy for you. You can also hire a more expensive and personalized service which owns proprietary databases to locate missing policies. Missing life insurance policy services can be easily found on the internet.
Sometimes, the life insurance company discovers that the policyholder has indeed passed. When this occurs, the insurer will attempt to locate the policy's beneficiaries. If the insurer is unsuccessful, the life insurance policy is turned over to the state where it becomes unclaimed property. States maintain databases listing the names and addresses of beneficiaries of lost life insurance policies. In Florida, you can go here to check if you are the beneficiary to an unclaimed life insurance policy. As of the date of this blog, the Florida Bureau of Unclaimed Property holds unclaimed property valued at more than $1 billion.
On a national level, you can go to the National Association of Unclaimed Property Administrators or MissingMoney.com and conduct a search for missing money, including life insurance policies.
Whichever search option you choose could prove the difference between not collecting anything, to possibly collecting the full death benefits, or the policy's cash value or even stock from a demutualized insurer.If you are the owner or beneficiary of a life insurance policy, it is important that you understand how the policy works in the event premium payments are not paid or if the policy lapsed. Understanding the exact policy type is important to figuring out the options available.
Assuming you are beyond the contestability period of the policy, below are certain options that may be available.
If the policy type is a term life insurance policy, the option available is very simple. Simply stated, if the owner of the policy dies during the term life of the policy and the policy did not lapse, the beneficiary should have no problems collecting the policy benefits. If the policy lapsed due to non-payment of policy premiums, the policy most likely is not in force and any claims will be denied.
If the policy type is a whole life, permanent life or other similar policy, the policy will most likely have a cash surrender value. If the owner of the policy dies and the policy never lapsed, the beneficiary should have no problems collecting the life insurance benefits. However, if the policy lapsed due to non-payment of policy premiums, the policy may still be in full force and effect. This is true because life insurance companies will automatically convert a whole life or similar life insurance policy into an extended term policy or reduced paid up policy.
Unlike term life insurance policies, with whole life or similar life policies if premiums are not paid, the insurance company will start drawing against any cash surrender value to continue paying the premiums in order to prevent the policy from lapsing and becoming worthless. Other times, the life insurance company will keep the policy in force, but at a lower death benefit. Regardless of the method chosen by the life insurance company, once the cash surrender value is depleted and premiums are no longer paid, the policy will lapse and become worthless. If the owner of the policy should die during this period, the beneficiary may have death benefits payable. In between the time the owner failed to make premium payments and the insurer applying the cash surrender value to the policy in order to continue the premium payments, the life insurance company will attempt to contact the owner and beneficiary of the policy to communicate this fact and attempt to prevent the policy from lapsing.
If the reason premium payments stopped was because the owner died, the beneficiary should have no issues collecting the benefits, even decades later.
Life insurance can provide family and loved ones with some financial security in the event the policyholder dies. Filing a life insurance claim can be difficult considering you are still mourning the death of your loved one. Filing a life insurance claim as early as possible will help alleviate some of the financial burden the deceased wanted his beneficiaries to avoid when he/she decided to purchase the policy. This is especially true in cases where the deceased was the primary bread winner.
Below are tips to help a life insurance beneficiary file a life insurance claim, and hopefully make the process a little easier.
Following the above tips will help beneficiaries cope with the additional responsibility of filing a life insurance claim at a difficult time.
The "effective date" of your life insurance policy is the official and legal start date of your policy. This is a very important date since benefits can be triggered while an application is in process. In addition, this date also affects the contestability clause and the suicide clause of the policy.
Since a life insurance policy is a contract, the "offer and acceptance" rule applies. With life insurance, offer and acceptance means that both parties have agreed to be bound by the terms and conditions of the contract. During the application process, the offer is started when the applicant mails the application and initial premium to the insurance company. The life insurance company accepts the offer when formal notice is sent to the applicant accepting the applicant's life insurance policy and premium. It is important to note that without the initial premium attached to the application there exist no offer. If no premium is initially sent to the insurer, acceptance occurs when the applicant sends the required premium after receiving notification of application approval from insurer. The effective date is set when the insurer receives the initial premium.
It is recommended that an applicant mail the initial premium along with the application since one's health can deteriorate during the underwriting process and before the policy is issued. If your health changes or the applicant dies during underwriting, the effective date will prove to be very important. The effective date can also be established by the date the policy is actually delivered or received by the applicant. This can include a manual delivery or via email receipt since so many policies are actually purchased online.
While choosing a life insurance carrier, understanding how the insurer establishes the effective date is important especially if faced with health issues or even death during the underwriting process.
Michael Jackson's $17.5 Million Dollar Policy Quickly Settled for $3 Million
According to entertainment news website HollyScoop.com, in a rush to cash in on "something" from Michael Jackson's $17.5 million dollar insurance policy, a quick $3 million dollar settlement was reached with Lloyds of London. The insurer provided coverage in the event losses were sustained due to cancellations of any of the 50 planned concerts. However, the policy did not cover any losses due to illegal or illicit taking of drugs. Due to the fact that rumors have been circulating that Michael may have died due to a massive drug overdose, the representatives of Michael's estate decided it would be best to settle for something rather than nothing in case the LA County Coroner's office ruled that indeed Michael's death was caused by a drug overdose.
Now that we all know that Michael's death was the result of lethal levels of "acute propofol," the estate representative's decision to quickly settle the life claim proved correct.Every September, the nonprofit Life and Health Insurance Foundation for Education (LIFE) holds an industry wide effort to promote the importance of life insurance. Nearly 70 million adult Americans have no life insurance. In addition, those with life insurance do not have the recommended coverage amount.
Life Insurance Awareness Month is a good time to review your current life insurance policy or life insurance needs with your insurance professional. During these tough economic times, Americans are looking for ways to cut expenses, including eliminating their life insurance policy. Instead of eliminating your life insurance policy, a better alternative would be to look for ways to reduce your monthly premiums. You may be able to reduce your premiums if you are healthier, have lost weight, significantly improved your health or stopped smoking. If your life circumstances have changed such as your family no longer relies on your financial support or you paid off your mortgage, you might consider decreasing your life insurance coverage. If you currently have no life insurance policy, you should consult with your life insurance agent now since life insurance rates are at historic rates. Currently, basic term life insurance is 50% less than 10 years ago.Business entities, including small businesses, frequently purchase life insurance on key employees and owners. Recently, a court case in Michigan proved how important it is for businesses to keep track of their policies and ownership documentation in order. Unlike individually owned policies, business owned policies are affected through business ownership and shareholder changes, business dissolution, and other factors. In the Michigan case, during the 1970's a small business purchased a life insurance policy for its owner from MetLife Inc. The business was dissolved in 1975. In 2000, Metlife converted from a mutual insurer owned by its policyholders to a publicly traded company. This meant the policyholders were entitled to cash. In this case, it meant nearly $200,000. Since Metlife could not locate the business, the money was given to the State of Michigan. The widow of the small business, now 80 years old, discovered the money was being held by the State of Michigan and filed a claim. Her claim was denied because she could not provide adequate proof that she was indeed the owner of the policy and that the business had been dissolved. The claim was denied despite the widow showing documentation about the family's ownership and status as corporate officers of the dissolved corporation. A Michigan Court of Appeals agreed with the state. However, the court did leave a reason for hope by stating that historic shareholders may be allowed to recover the proceeds. The widow's attorney will continue to fight this case.
This case is a good example of why businesses that are beneficiaries of life insurance policies must keep good control over their life policies. As the case above shows, a business that is dissolved may encounter problems when attempting to claim life insurance proceeds on a key employee or owner.Your insurer has rescinded your life insurance policy? Insurance policy rescission is basically a cancellation of your policy and restoring the insured and insurer to their original positions before the policy took effect. Most life insurance policies have a two (2) year window to rescind a policy if the insurer believes the insured misrepresented material information on the application during the underwriting process. Material information is defined to include information that would have affected the life insurance company's decision had they known about it before issuing you the policy. Material information can include prior health and medical information or prior criminal convictions.
Unfortunately, sometimes policyholders die during the two year rescission window and when the beneficiary files the life claim, the insurer investigates deeper only to discover that material information was not disclosed during the underwriting process. At this point, the insurer can rescind the policy leaving the beneficiaries empty handed.
If the policyholder dies and the two year rescission window has expired, the insurer may still choose to undergo an investigative process to determine if material information was not disclosed that would have otherwise cause them not to issue the insured a policy. Even though they legally can't rescind the policy, the insurer can nonetheless choose to breach their contract and simply not pay or delay the payment of the life insurance proceeds. This would require the beneficiary to hire an experienced life insurance lawyer to demand payment or file suit.
The best approach here is to simply take your time properly filling out your life insurance application and revealing any and all material information as requested in the application. Not doing so can cause your beneficiary the misfortune of receiving a rescission notification instead of a much needed check which was your intent when you decided to purchase life insurance......to help your loved ones in the event of your untimely death.
You don't have to die before receiving some cash on your policy. During these trying economic times, continuing to pay premiums on life insurance policies can be difficult. Because of this, some life insurance policy owners are considering selling their policies in the open market in exchange for some much needed cash.
At the forefront of the buying is Wallstreet with their ever resourceful securitization tactic, but only this time it's with life insurance policies. They are essentially buying bundles of life insurance policies, packaging, securitizing and re-selling them to investors worldwide.
Reasons for wanting to sell your life insurance policy include:
Some issues you should be aware of if you sell your policy include:
Before accepting the first offer you receive on your life insurance policy, try and obtain at least three (3) bona-fide quotes from reputable companies.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. has the experience, knowledge and skill required to handle your life insurance claim throughout the entire State of Florida. If your life insurance claim has been denied, rejected, delayed or underpaid, we can help. The firm is also available to represent you during the sale of your life insurance policy.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. has the experience, knowledge and skill required to handle your life insurance claim throughout the entire State of Florida. If your life insurance claim has been denied, rejected, delayed or underpaid, we can help.
Your loved one met his or her responsibility to yourself and your family when he or she purchased life insurance to protect your family in the event of his or her death.
Life insurance serves as financial protection against the unthinkable - it is a safeguard against the losses that are suffered due to a loved one's death. A life insurance plan can make certain that the policyholder's family can continue their lives even in the face of unexpected tragedy and ensure that they have sustained and consistent support even after their loss.
But what if the unthinkable does happen and the insurance company is giving you the run around? An insurance company has a right to perform a reasonable investigation of your claim. But what do you do when the investigation is clearly unreasonable and is being used simply as a method of delaying payment. In the meantime, your bills keep coming in but your loved one's earnings are not. What happens as the weeks go by and your claim goes unpaid? What happens if your claim is outright rejected?
We Are Your Insurance Against the Insurance Companies
As a former claims adjuster, I understand why these situations come about. Insurance companies are in the business of making money. By delaying claims, insurance companies get to hold on to their money a little longer. Money that is invested somewhere earning them money. As far as insurance companies go, the only thing better than delaying a claim is denying a claim.
In simple terms, when your family bought a life insurance policy your insurance company entered into a contract in which they promised to pay out the life insurance benefits in the event of the policyholder's death in consideration for payment of certain premiums. Your family was responsible and sacrificed to make the insurance premiums. Don't let your insurance company get away with taking your money but refusing to follow through with their half of the deal.
Case In Point
A wife was put in a terrible situation when her husband unexpectedly passed away leaving her alone to support their five-year-old son. Shortly after his death, the wife notified the employer and life insurance company about the tragedy, but one and half years later the wife had not yet received one cent from the life insurance company. As a single working mom of a young boy she suffered not only from the death of her husband but from her family's dire financial situation. The insurance company argued that no life insurance policy even existed and artfully dodged the wife's inquiries.
The wife called our office and enlisted our help. Shortly after we became involved, we were able to prove that an insurance policy did indeed exist and we persuaded the insurance company to set aside many of the issues that they were claiming existed. Thereafter, the insurance company took the position that although a policy existed, the face amount of the policy was only $10,000.00. We proved that the husband had elected to purchase a supplemental policy for an additional $100,000.00. The case was resolved for $110,000.00. A guardianship was established for the minor that will pay for the son's education.
Insurance claims lawyer J.P Gonzalez-Sirgo has nearly 15 years experience and along with an experienced staff we hold insurance companies to their word. We do exactly what insurance companies fear: We Hold Them to Their Promises.
We routinely represent individuals and life insurance beneficiaries who have lost their loved one and now are facing a life insurance claim denial or unexplained delays in the rightful processing of their life insurance claim.
According to Sandy Praeger, former president of the National Association of Insurance Commissioners, third party insurance providers have little legal incentive to care. Companies and their third party insurance administrators are immune from punitive damages in insurance related lawsuits. The federal Employment Retirement Income Security Act (ERISA) touted as the next big legislation for employees since the Social Security Act, has blindsided employees and helped companies and insurance companies get away with delaying, denying and underpaying valid insurance claims.
As in the story Good Morning America recently aired about a 7-Eleven employee who died of colon cancer and whose children later had their mother's life insurance claim denied.
The family eventually hired a lawyer and obtained approval for their mother's life insurance claim.
To read a little more on this topic, please click here.
Following the death of a loved one, the last thing you want to deal with is the life insurance company. However, a life insurance settlement can provide the necessary money to cover funeral costs, medical expenses and can act as an income supplement for you and your family. It is important to understand what is involved in filing a life insurance claim, so that you can avoid a delay in the process and denial of your life insurance claim.
You should review the details of the policy to become familiar with the benefits. If you cannot locate the policy, contact the life insurance agent or company. Not only will they be able to explain the benefits under the policy, but you will also be able to receive information on how to file the life insurance claim.
There will be forms that you will need to complete. Each adult beneficiary is generally required to fill out a proof of death form. Other supporting documents will be required by the life insurance company, such as a certified copy of the death certificate and often a certified copy of the marriage certificate, if applicable. A funeral director can provide the death certificate. Once all of the forms are completed and the necessary paperwork is gathered, you will need to submit everything to the life insurance company.
It does not take long for the life insurance company to review the claim. If some documents are missing, then it could cause a delay in the processing of the life insurance claim. Occasionally, a life insurance company will deny a claim based on fraud or material misrepresentation. In that situation, you need to contact a Florida life insurance claims attorney, such as J.P. Gonzalez-Sirgo, immediately. He can help you if you have been denied a life insurance settlement or if you are in dispute with the life insurance company.
The article, Top 4 Things You Need to Do to File a Life Insurance Claim, has additional helpful information regarding filing a life insurance claim.
When a loved one passes away, the last thing you want to spend your time doing is looking for the life insurance policy. It is not uncommon for the surviving family members to be unaware of the details regarding the life insurance policy, including the company who issued it. However, it is worth the effort to try to locate the missing life insurance policy, as the settlement can help pay funeral expenses, medical bills and household expenses.
Before you start your search, you should consider what company may have sold the policy. For example, is there a particular insurance agent you work with for your insurance needs? Is it possible that this insurance agent also sold the policy to your loved one? Employers, trade associations and unions also frequently offer life insurance to their members, so you should also check with these resources.
If you are still not sure what company issued the policy, you may want to look through your loved one’s file cabinets, storage boxes and bank deposit boxes, if applicable. An address book may even be helpful as it could list the name of an insurance agency. You might consider calling professionals you have worked with in the past, such as accountants, attorneys, insurance agents and financial advisors.
While there is no central database to locate life insurance policies, you can employ a private service to help you find the policy information. These companies will search for lost insurance policies for a fee.
Another great source is the National Association of Insurance Commissioners, which can provide you with contact information for state insurance personnel who can help identify possible insurers that may have issued the policy. Florida’s Bureau of Unclaimed Property is also worth looking into. If the life insurance company is aware of your loved one’s death, but can’t locate the beneficiaries, then it has to give the death benefit to the state.
The article, Locating a Lost Life Insurance Policy, has more information and strategies regarding finding missing policies. If you find the policy and your life insurance claim is denied, contact J.P. Gonzalez-Sirgo, a Florida life insurance claims attorney, at 866-71-CLAIM for legal advice.
A man drowned off Mowery Point in Biscayne National Park in Miami, FL after the canoe he was on flipped over. On September 21, 2008 Air Rescue was dispatched to search for the missing swimmer. The man was found shortly thereafter and airlifted to a local hospital where he was pronounced dead. None of the men had been wearing life vests. Please click here to read more on filing a life insurance claim.
J.P. wants to remind everyone that life vests save lives. Please ensure to have a life jacket for every passenger on board. Remember, it’s the law!
Have you ever wondered what would stop a complete stranger from purchasing a life insurance on your life and causing your death? Courts and state lawmakers anticipated this potential problem and created an insurable interest requirement for life insurance policies.
Insurable interest exists when the purchaser of the policy will receive a greater benefit from the insured being alive, whether emotionally or financially. Without insurable interest, a life insurance policy is considered void from the beginning. Policies without insurable interest are also considered against public policy, as they increase the risk of murder for profit. Even though insurable interest is mandatory at the time of application, it does not have to exist at the time of the insured’s death.
Courts and state laws have created certain criteria that must be met when determining insurable interest. If you purchase your own life insurance policy, insurable interest automatically exists. Insurable interest can also be created when the purchaser has a strong relationship with the insured. For example, the relationship can be based on blood, marriage or money. Spouses are considered to have insurable interest and generally so are parents, children, grandparents, grandchildren and siblings. Depending on the state, some engaged couples are also considered to have insurable interest.
Insurable interest can also be established through monetary interests. An example would be a purchaser who insures his or her business partner. The partnership could stand to lose money if the insured passed away. Creditors are also able to have insurable interest. A creditor can purchase a life insurance policy on a debtor, with the debtor’s permission, up to the amount owed on the debt. Examples include mortgage and credit insurance.
Life insurance companies bear the liability of determining insurable interest at the time of application. If the life insurance company fails to meet this requirement, the insurer could be sued.
The article, Insurable Interest and Life Insurance Policies, has more information on this topic.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. helps insurance policyholders recover what they are due on their insurance claims, zealously advocates on behalf of victims of catastrophic personal injuries or wrongful death and fights for the rights of consumers and small businesses in Miami and throughout Florida. If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
About The Firm
J.P. has been certified as a life member of the Million Dollar Advocates Forum and the Multi-Million Dollar Advocates Forum. The Million Dollar Advocates Forum is recognized as one of the most prestigious groups of trial lawyers in the United States. Membership is limited to attorneys who have won million and multi-million dollar verdicts, awards, and settlements. Fewer than 1% of U.S. lawyers are members. J.P. has also been awarded the top rating of 10.0/10.0 or "Superb" by Avvo. Avvo's Rating system helps people navigate the complex and confusing legal industry, including choosing the right lawyer - an incredibly important decision. The Avvo Rating system takes into consideration a lawyer's background, including years in practice, disciplinary history, professional achievements and industry recognition.
In addition, the firm maintains an A+ rating with the Better Business Bureau. The firm is highly respected by other lawyers and members of our community and maintains offices in the historic Douglas Entrance complex in Coral Gables, Florida. Please click here for further information regarding office location and directions.
Prior to attending law school, J.P. Gonzalez-Sirgo worked as a claims adjuster for a busy independent adjusting firm in Miami where he handled hundreds of claims. Before founding the law offices of J.P. Gonzalez-Sirgo, P.A., Mr. Gonzalez-Sirgo worked for a prominent insurance defense firm in Miami. He now uses the insight that he gained working for the insurance industry for the benefit of his clients.
Attorney J.P. Gonzalez-Sirgo has built his entire career on protecting the rights of insurance policyholders, personal injury and wrongful death victims and fighting for the rights of Florida consumers and small businesses. The firm has recovered millions of dollars for victims of denied or underpaid insurance claims, victims of catastrophic personal injuries and wrongful death and on behalf of those that have been taken advantage of by Big Business and Big Insurance.
Active Legal Memberships
The Florida Bar
American Association For Justice 
Florida Justice Association
Community & Charitable Involvement
The Law Firm of J.P. Gonzalez-Sirgo, P.A believes that representation of our clients does not stop in the courtroom. We believe in giving back to our community by participating in local charitable events. The firm participates or donates to various local charitable and research organizations. Of special importance to the firm are those organizations that support many of the illnesses, syndromes, diseases, disabilities and aliments that afflict so many of our past and current clients. In addition, J.P. is proud to be a volunteer for Lawyers for Children America (LFCA). As a pro-bono LFCA volunteer lawyer, an opportunity exists to protect the rights of children who are victims of abuse, abandonment and neglect by providing free legal representation and collaborating for systematic change to improve the lives of children.
Free Case Evaluation & Consultation
If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
There is never a charge to speak with an attorney at our firm. Unlike other law firms, we are available to come to you at your hospital bed side, home, office or other location throughout the entire State of Florida.
You Pay Zero Attorneys' Fees If No Recovery
We understand that many of our clients do not have the resources or means to pay lawyer fees out of pocket. This is why we offer a free consultation and case evaluation. In the great majority of cases, if we decide to go forward with your case, we will work on a contingency fee basis. This means that if there is no recovery on your claim, you do not pay fees for our services.
If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
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For our Spanish speaking clients, please click here for Espanol.
A Message To Insurance Policyholders In Florida
There are numerous challenges facing policyholders attempting to have their life insurance and disability insurance claims timely honored by insurance companies: The delays in investigation of claims, the endless request for documents, requests for sworn statements or examinations under oath, requests for recorded statements, fraud accusations, application issues, material misrepresentation issues, requests for medical evaluations, bad faith insurance issues, and litigation.
In the great majority of cases we will be able to help you with these challenges. Attorney J.P. Gonzalez-Sirgo helps disability and life insurance policyholders recover what they are due on their insurance claims. If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
A Message To The Victims of Catastrophic Personal Injuries or Wrongful Death
There are numerous challenges facing victims of catastrophic injuries and wrongful death in their pursuit to obtain a full measure of justice from those doing wrong.
The good news is that in the great majority of cases we will be able to help you with these challenges. Attorney J.P. Gonzalez-Sirgo zealously advocates on behalf of victims of catastrophic personal injuries or wrongful death. If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
A Message To Our Referring Public Adjusters
We understand and appreciate the value a Pubic Adjuster brings to a property insurance claim. For years, we have worked side-by-side with Public Insurance Adjusters and their respective clients in helping to resolve any claim issues through our legal representation.
Public Adjusters recognize that sometimes a client's difficult insurance claim requires the need for aggressive legal representation. Experienced public adjusters recognize all of the obstacles presented by an insurer during a challenging claim. The Law Firm of J.P. Gonzalez-Sirgo, P.A. routinely works with clients that have retained the services of a Public Adjuster. We prefer to work together as a team consistent with the best interests of the client's claim. During the claim's process, we seek to keep all members of the team in the loop and engage your advice and services whenever necessary. All efforts put forth by our law firm and your adjusting firm will always be in the best interest of our mutual client.
We also work with corporate counsel and corporate risk managers to resolve any insurance claim disputes.
If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
A Message To Our Referral Attorneys
For years, the Law Firm of J.P. Gonzalez-Sirgo, P.A. has been welcoming attorney referrals from our colleagues. Many of our clients come to us as a result of referrals from other attorneys, including from out of state lawyers and lawyers from other countries, who know of our success in handling insurance claims litigation. We encourage and welcome these co-counsel opportunities and routinely pay referral fees in accordance with the rules regulating the Florida Bar and Florida law. Over the years, we have paid hundreds of thousands of dollars in referral fees to our referring attorneys. We recognize the trust placed in us by our referring attorneys and so we make sure that our referring attorneys are kept in the loop throughout our representation, from the initial intake through the conclusion of the case.
To discuss a case with us, please call (305)-461-1095 or Toll Free 1-(866)-71-CLAIM. Alternatively, you may click here and fill out our "Contact Us" form and an attorney at the firm will contact you promptly.
Serving Florida & Our Local Communities
J.P. Gonzalez-Sirgo, P.A. provides experienced legal representation for individuals and businesses throughout Florida and Miami Dade County, including Aventura, Bal Harbour, Carol City, Coral Gables, Doral, Florida City, Golden Beach, Hialeah, Hialeah Gardens, Homestead, Kendall, Key Biscayne, Medley, Miami, Miami Beach, Miami Lakes, Miami Gardens, Miami Shores, Miami Springs, North Bay, North Miami, Opa Locka, Pinecrest, South Miami, Sunny Isles Beach, Surfside, Sweetwater, Virginia Gardens, West Miami, Westchester, all of the Florida Keys communities, and Broward and Palm Beach Counties. Covering all of South Florida. Attorney J.P. Gonzalez-Sirgo is admitted to practice in all of the Federal and State courts in Florida, from the Florida Keys to Florida's Panhandle.
Disclaimer
The use of this Website or use of our "Contact Us" form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship and does not constitute legal advice. Time-sensitive or personal confidential information should not be sent through the "Contact Us" form. You are not forming an official attorney-client relationship with the Law Firm of J.P. Gonzalez-Sirgo, P.A. or its attorneys unless and until you have signed a written retainer agreement with this law firm. Submission of the "Contact Us" form does not create a written retainer agreement. If you would like to enter into a written retainer agreement with the Law Firm J.P. Gonzalez-Sirgo, P.A., please call (305)-461-1095 or Toll Free at 1-(866)-71-CLAIM.
The accounts of recent trials, verdicts, and settlements contained in this website are intended to illustrate the results of my work ethic and experience. Of course, each case is unique and the results in one case do not necessarily indicate the quality or value of any other case.
J.P. Gonzalez-Sirgo, P.A.
Douglas Entrance
804 Douglas Road
Suite 373
Coral Gables, FL 33134
Phone: (305) 461-1095
Fax: (305) 461-1096
Toll Free: (866) 71-CLAIM
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