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29 Jul, 2022 by Benjamin
Andrew is so personable and I love talking with him whether it’s about business or about cars. And you made it so easy dealing with my legal case I would highly recommend you hire him for your case! He is voted as the top lawyer in Clearwater for a reason!
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19 Jan, 2017 by John
Andrew is a true saint. He was the most understanding and compassionate person I have met in a long time.
Completely professional and wholly dedicated to helping people.
I was not expecting the level of personal attention and dedication he presented in my case.
I honestly couldn't have wished for a better guy.
I got so lucky to have him on my case.
With all the speedbumps and setbacks my case had, I was surprised at the level of professionalism and skill he was able put into my case.
The guy is brilliant and very very savvy with Florida law.
I could go on for days about how much I like this guy and what an awesome lawyer he is but I think you get the idea.
I have dealt (and am still working with) other attorneys on much older cases and much more simple cases, but Spence blows them all out of the water.
The guy isn't human. Thanks Andrew
Never change buddy
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17 Jan, 2017 by Laura
From the first meeting I had with Andrew, I realized that I was no longer alone in my struggle. He listened without judgement and helped me see that there was hope. He is very understanding and empathetic. He clearly layed out my options with the pros and cons of each. He was always available to talk if I had questions, and explained things as many times as necessary so that I felt comfortable and understood. I was kept informed every step of the way by his kind and professional support staff. The outcome of my case was satisfactory. He fought for me, obtaining terms that I requested.
Andrew is a fine man of integrity that really cares about what he does and how it affects the lives of his clients. I will highly recommend Andrew Spence, Esq.
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23 Jun, 2022 by Danielle
I honestly can’t say enough about this law firm and all the people who work there, it’s a true team and family vibe. Everyone pitches in to support you as a person, to work hard on your case and to try their best to get you Justice.
They work so diligently to effectively communicate with you every single step of the way. Attention to detail and kindness, infinite amounts of both knowledge and passion for their clients, cases and causes.
Professional but relatable NOT stuffy which is so important, I wanted to be a part of my case and understand everything and have a say, not just be a person in a chair that is talked about, and talked at but never talked to…and they delivered! I was included in everything and most importantly I WAS HEARD by my amazing team of professionals especially my lawyer Matthew Carney who was literally amazing!! He passionately defended me when opposing counsel was coming at me disrespectfully. He fought hard and was realistic with me and always told me the hard truths in the nature of my case. I honestly have never felt more confident putting something so important into the hands of others before but they handled my case as if it were their own. I will be forever grateful to every single person in that office that I got to know and who got to know me. I will FOREVER recommend them to anyone and everyone in need of legal representation because honestly they have a special brand, a special formula which makes them successful and that is to treat every client like they are the only client they have. I spoke with my lawyer twice as much as I spoke to his wonderful paralegal Stephanie, he never passed me off to assistants to handle what were probably textbook questions and concerns but instead he chose to handle them himself and made himself easily accessible via text, email and phone calls.
I am a lot and bless him, he handled me with so much kindness and concern, everyone in the whole firm that I interacted with did. I can’t say enough! If more people in the world were like the members of this law firm, the world would be such an amazingly kind, considerate, and safe place. If trust, compassion, communication, knowledge, skill, passion and experience are important to you when choosing a law firm to handle your most important legal situations, THIS is the law firm for you, hands down!
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28 Oct, 2016 by Judi
Matthew, took an my highly complicated case. (I had previously hired, several other attorneys from T.V)., and they failed to get me any results.
Matthew fought hard and long; putting his 150% into resolving my case. My personal injury case, was complicated due to the misfortune of obtaining attorneys that promised me the stars. These attorneys wanted the results now, they were not willing to fight for me and my rights.
I was blessed to have found Matthew and Carey and Leisure. When, my case was settled after 4 years, due to the negligence of the prior attorneys. Matthew was able to get me a more than fair, settlement.
Matthew helped obtain my dreams and many miracles. Not, only did Matthew put his 150% into my case; he and the Carey and Leisure Firm treated me and my family with respect, kindness, and when I did not understand some legal issues; Matthew took the time to explained my case thoroughly.
If you are thinking about picking up the phone and calling an attorney that you have seen on television. PLEASE "STOP". I know from experience that, you will become a number, NOT a name or a person. I urge you to pick up the phone and call Matthew and The Carey and Leisure Firm.
Thank you Matthew and The Carey and Leisure Firm, for changing my life. God Bless!!
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23 Oct, 2019 by Scott
He was always there to answer a question, and kept in regular contact with me through the whole case. Very knowledgeable and experienced and was successful in bringing my case to a very satisfactory settlement. Would recommend him in a heartbeat.
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06 Sep, 2021 by Anonymous
Mr. Colon is young, but is very highly experienced. He was incredibly helpful and attentive to my case, as well as very honest with the outcomes I could expect. He didn’t necessarily under promise but he did over deliver. I would recommend him to anyone, on his own or in conjunction with Mr. Lirot’s help.
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13 Aug, 2016 by Mario
I hired Miss Rojas for my criminal law and she was driven and hard working. She always let me know what was going on in my case and explained everything to me. She was always on the ball and super smart!
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11 May, 2022 by Zyblfryx wvkquieoayn
Kind, patient, and competent. I would definitely recommend the Dogali law group. The amount of time and effort they put into my case is amazing. it was really nice to know they are completely willing to go to court to seek justice. Thank you, Dogali Law Group.
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21 Jan, 2020 by Colin
28 Aug, 2024 by Roberta beriault
Elaine Prado is awesome! She gets the job done. She helped me get papers filed the same day I asked for help and she got me the information I needed. Elaine is very pleasant to speak to and answered my questions quickly. Great Job! Thanks so much.
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26 Aug, 2024 by Cat liu
Young recently helped me out after a stressful car accident. I needed advice, and Young was extremely knowledgable and kind. He provided me clear and practical instructions and I will absolutely consult again him in the future for these matters.
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15 Aug, 2024 by La princess
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FAQs
Questions? We have answers
What an Insurance Lawyer Can Do for You
An insurance lawyer specializes in legal issues related to insurance policies and claims. These lawyers help individuals, businesses, and insurance companies navigate disputes involving insurance coverage, claim denials, bad faith claims, and policy interpretation. Insurance lawyers can represent policyholders who feel they've been unfairly denied coverage, or they can work on behalf of insurance companies to defend against fraudulent or inflated claims.
Whether you're filing a claim, disputing a denial, or dealing with complex coverage issues, an insurance lawyer can provide critical guidance and legal representation to protect your rights and ensure you receive the benefits you're entitled to under your policy.
When Should I Hire an Insurance Lawyer?
Hiring an insurance lawyer is advisable in several situations, particularly when disputes arise over insurance coverage, claim denials, or bad faith actions. Common reasons to hire an insurance lawyer include:
- Denied insurance claims: If your insurance company denies your claim, a lawyer can help determine whether the denial was justified or if you should challenge the decision.
- Bad faith insurance practices: If you believe your insurer has acted in bad faith, such as delaying payment or failing to properly investigate your claim, a lawyer can help you pursue legal action.
- Underpaid claims: If the insurance company has offered less compensation than you believe your claim is worth, a lawyer can negotiate for a higher payout or file a lawsuit.
- Coverage disputes: When there's ambiguity or disagreement about what your policy covers, a lawyer can provide clarity and advocate for your rights under the policy.
- Business insurance claims: If you own a business and are dealing with commercial insurance claims (e.g., property damage, liability, or professional indemnity), a lawyer can help ensure your business receives proper coverage.
- Third-party claims: If you're being sued for liability and your insurance company refuses to defend or indemnify you, an insurance lawyer can help enforce your coverage rights.
- Appealing long-term disability claims: If your disability insurance claim has been denied, a lawyer can assist in gathering evidence and appealing the decision to get the benefits you deserve.
What Does an Insurance Lawyer Do?
An insurance lawyer provides a wide range of services to assist with insurance-related legal issues. These can include:
- Reviewing insurance policies: A lawyer can review your insurance policy to ensure you understand your rights and obligations, as well as clarify what coverage is provided.
- Filing insurance claims: Assisting with the preparation and filing of claims to ensure all necessary documentation is submitted correctly.
- Challenging claim denials: If your claim has been denied, a lawyer can investigate the reasons for denial and file appeals or lawsuits to challenge the decision.
- Litigating bad faith claims: Representing clients in bad faith insurance cases, where the insurer fails to act in good faith by unfairly delaying, denying, or underpaying a valid claim.
- Negotiating settlements: Helping policyholders negotiate settlements with insurance companies to receive fair compensation for claims.
- Defending against fraudulent claims: Representing insurance companies to defend against false or exaggerated claims filed by policyholders or third parties.
- Handling disputes over policy language: Interpreting complex insurance policies and resolving disputes between the insured and the insurer regarding coverage limits, exclusions, and conditions.
How Are Insurance Lawyers Paid?
Insurance lawyers typically charge for their services in different ways, depending on the nature of the case and the type of insurance issue involved. Common payment structures include:
- Contingency fee: For many policyholders disputing claim denials or underpayments, lawyers work on a contingency basis. This means the lawyer only gets paid if they win or settle the case, taking a percentage (usually between 25% and 40%) of the recovered amount.
- Hourly rate: For more complex or ongoing legal issues, such as bad faith lawsuits or business insurance disputes, insurance lawyers may charge an hourly rate. This rate varies depending on the lawyer’s experience and location.
- Flat fee: For simpler matters, such as reviewing an insurance policy or helping file a claim, some lawyers charge a flat fee for their services.
- Retainer: For businesses or clients with ongoing legal needs, an insurance lawyer may require a retainer fee, which is an upfront payment for future services.
It’s important to clarify the fee structure with your lawyer during the initial consultation to avoid unexpected costs.
How Much Does an Insurance Lawyer Cost?
The cost of hiring an insurance lawyer depends on the complexity of the case, the lawyer's experience, and the payment structure. General cost estimates include:
- Contingency fees: If your lawyer works on a contingency fee basis, you won’t pay any fees upfront, but the lawyer will take a percentage (typically 25% to 40%) of any settlement or judgment awarded.
- Hourly rates: Hourly rates for insurance lawyers generally range from $150 to $500 or more, depending on the lawyer’s experience and location. Complex cases involving bad faith or high-value business claims may require significant hours, leading to higher legal costs.
- Flat fees: For specific services, such as reviewing an insurance policy, lawyers may charge a flat fee ranging from $500 to $2,500, depending on the complexity of the task.
- Retainers: Businesses or individuals seeking ongoing insurance legal services may pay a retainer, which can range from $5,000 to $20,000 or more, depending on the lawyer and scope of work.
Make sure to discuss costs and payment structures with your lawyer before proceeding to understand how much the services will cost.
Top Questions to Ask an Insurance Lawyer
Before hiring an insurance lawyer, it’s important to ask the right questions to ensure they are the right fit for your case. Here are key questions to ask:
-
What experience do you have with insurance law?
Ensure the lawyer has specific experience handling cases involving your type of insurance, whether it’s auto, health, home, or business-related. -
How do you charge for your services?
Clarify whether the lawyer works on contingency, hourly rates, or flat fees, and ask for an estimate of the total cost of your case. -
What is your success rate with insurance disputes?
Ask about the lawyer’s track record in winning or settling cases similar to yours. -
What are my chances of success?
A good lawyer will provide an honest assessment of your case’s strengths and weaknesses and outline the possible outcomes. -
How long will the process take?
Get an estimate of how long it will take to resolve your claim or dispute, as some cases can extend over months or even years. -
Will you handle my case personally?
In larger firms, junior attorneys or paralegals may handle some aspects of your case. Make sure you know who will be managing your case.
How to Check the Credibility of an Insurance Lawyer
To ensure you’re hiring a reputable insurance lawyer, take the following steps to verify their credentials and experience:
- Verify their state bar license: Check with your state bar association to confirm the lawyer is licensed and in good standing with no disciplinary actions.
- Review their experience in insurance law: Look at the lawyer’s website or professional profile to ensure they specialize in insurance law and have experience with cases like yours.
- Read client reviews and testimonials: Search for reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s expertise and professionalism.
- Ask for references: A credible lawyer should be able to provide references from past clients who have dealt with similar insurance issues.
- Check for industry memberships: Membership in organizations like the American Bar Association’s Tort Trial and Insurance Practice Section (TIPS) can indicate the lawyer’s focus on insurance law.
What Should I Prepare for My First Consultation?
To make the most out of your first consultation with an insurance lawyer, come prepared with the following documents and information:
- A copy of your insurance policy: Bring the policy related to your claim or dispute so the lawyer can review the coverage details.
- Any correspondence with the insurance company: Provide copies of letters, emails, or other communications between you and your insurer regarding the claim or denial.
- Proof of claim and supporting documents: Bring any documentation you have submitted with your claim, including receipts, invoices, photos, medical records, or repair estimates.
- List of questions: Prepare a list of questions you want to ask about your case, the legal process, and the potential outcomes.
- Timeline of events: Be ready to provide a clear timeline of the incident that led to the claim and any steps you’ve taken with your insurance company.
By preparing thoroughly for your consultation, you can ensure that the lawyer has all the information they need to assess your case and provide the best legal advice.
