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27 Apr, 2024 by Tiffany bustamante
15 Sep, 2023 by Westley hosey jr
13 Jul, 2023 by Tyler linton
Horrible law firm to work with. The firm delays with intentions to increase the total cost of the services. Avoid at all costs.
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11 Feb, 2022 by Abe
Bobby was amazing. My insurance company denies everything like they always do. Bobby is extremely thorough and a true professional. Highly recommend him if you need to fight an insurance company.
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06 Jun, 2019 by Anonymous
I was a client of attorney Bobby Nunez. During the first meetings with the attorney I asked some question that were not cleared answered and y were many more that he would not answered. Since it was my first accident, I was very confused about the procedures when to do what and who will do what. I signed contract with this firm sometime in the middle of February. At the end of month, our situation got worse not only economically since we lost all incomes but also the only vehicle in the household broke down. We have limited transportation and liquid assets to manage the regular bills (mortgages and utilities) then credit cards and loans, any other bills. Unfortunately, we couldn’t continue with the physical therapies and We participated our decision to the attorney. At the beginning of June, I contacted the attorneys office to obtain a case status. To our surprise the assistant asked if we stopped the treatments and we told her yes. We have communicated the information to the attorney back in February not because we were feeling better but other situations were pressing that required immediate attention. To our surprise she said that without treatment there was not case. That she would consult with the attorney but that was pretty final and she did not believe it would change. She was flabbergasted when I asked why did not the attorney let us know. He knew we were stopping the treatments and never indicated otherwise. She also said that she checked with the clients monthly, so why didn’t she check with us not even after a month or two months or not even after four months? Why? Immediately after a validation email came from the attorney confirming that without a treatment there was not case and he would not represent us anymore. I was disappointed because we were expecting to be informed about the process, the steps during the process and also informed that it was imperative to have therapist in order to have a legal representation. We thought we have stopped an important aspect of our case with justifications or not, but we also have talked about other factors that weight equally or more than the treatments for example: I bought my car and I have paid 14 k towards that property which I lost? Wages, emotional distress? All other problems that come after the accident that can not be resolved with physical therapy. i recalled the attorney said, don’t worry please write down all your lost I will present them to the insurance company. So what happened to all those lost besides the health issues? They are not valid? They don’t count ? They are not important? All those factors were important to us because we were affected by a guy that was negligent while driving i95 and hit our rear back while moving. He broke our balance and equity in our life’s, he made me particularly feel disoriented, lost, lost lost. -and we had an attorney but he did not support us as we thought and at the end he dismissed us totally.
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09 Nov, 2017 by Leslie
Bobby was able to get my accident case resolved as quickly as possible, even when the insurance company was delaying the whole thing.
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08 Jul, 2024 by Idan bast
Feeling robbed by this firm and Mr Ira Silverstein. We hired him for a super sensitive case but he didn’t bother himself to even talk to the person that was in trouble. He was busy with other cases and never told us that he doesn’t have time so we spent crucial time with waiting and he charged us almost $3,000 for going to 1 hearing. Can’t even explain how disappointed I am.
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08 Jul, 2024 by Patrick loves real estate
Words can't describe how unhappy we are with this firm. We were referred to Ira Silverstein regarding a very delicate case with a seller our company was under contract with to buy his property. The seller is about to lose his house in pre foreclosure he is the heir of the property inherited from his mother. This attorney did not start the probate till after one month of being hired. He said he was busy and also felt ill. He acted all high and mighty when we hired him and it ended up being the biggest waste of time and money we could have ever spent. We came to him so that he can stop the sale in June which he did and got it postponed till July. He then came back and said our only option is to redeem the property and pay the entire balance ourselves. We hired him to get probate going, file quiet title so that we can purchase this property. We wasted time and now the seller has no other option but to lose his home. There was fraud involved in this case from individuals who tried to steal this sellers deed. Even the attorney who referred us to him was aware of this. We truly feel no one cared AT ALL for this poor seller. He never ecen communicated with the seller!! It's truly a shame and sad he charged us almost 3000 dollars to just go and get a sale postponed for a 1 month. He still drafted the docs for probate and sent it to the seller. I'm speechless and saddened more than anything. And in the end all he did was ask if we wanted his services stopped. Truly did not give 1 damn about anything but the money we paid him in our opinion. So sad and broken for this seller.
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05 Jan, 2024 by Lyndsey jones
25 Nov, 2014 by Rainier
I was referred to this attorney by one of his assistants thats a friend of mine. She was so helpful and was really up to date with my case. She also passed me on to the girl who was in charge of my case. The girl speaks very fast but she was wonderful and very accurate. I wanted more money than what was settled for, but sometimes we think our "case" is worth more than it really is. I want to thank not only the attorney Ruiz I want to thank the staff at the law office because although it took a little long, the results were great.
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24 Nov, 2014 by Pedro
I was a little weary of this attorney since some of the reviews weren't great, but my neighbor had great results so I trusted in the offices of John H. Ruiz. Since I went to the first meeting his personnel were all very helpful. I didn't meet with him directly at first, but he did come around and was informed of my situation.... Needless to say I did not lose my home of over 25 years to Bank of America. we won and I could not be happier with the result.
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28 Oct, 2014 by Anonymous
I wanted to do a loan modification at the time that the market went belly up. I was advised by this firm not to continue paying my mortgage in order to show hard ship. Instead, I had to pay them on a monthly bases. I was advised that bank of america would be willing to forgive the upside down on the pay off and life would be great. Not only was that a bold face lie, but I ended up in the worst situation. The bank implemented a forced placed insurance that cost about $11K a year, also they did not forgive one single penny from the time we stopped paying the mortgage. Some in about a 2 and half year time frame, the bank added about $200K to my original balance that was about $330K. So now I owe over $515K and this peace of work attorney that claims he is the best in the industry, turned his back once I got the loan modification papers. DON'T WASTE YOUR MONEY ON SOMETHING YOU CAN DO DIRECTLY WITH YOUR BANK.
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01 Jun, 2023 by A dead girl
rip off
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14 Oct, 2020 by Anat yefet
07 Aug, 2024 by Armando camejo
Nothing but great service is what I have experience in our real estate transactions from Dania and her staff. The closings went smoothly and had no issues.
I assume the low ratings are based on people who were doing something against their condo laws since she represents associations...
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23 Jun, 2024 by Igor baboshkin
If someone asks me Dana correlated with RICO, Yes or No?. I would rather answer YES!
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24 Apr, 2024 by Alexandra sheehy
The whole staff at Dania S. Fernandez & Associates is amazing. Everyone is very responsive and helpful. They worked very diligently to get everything solved for me. Highly recommend them!
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14 Feb, 2019 by Anonymous
Terrible horrible service. We hired Katie for a small matter of a few hundred thousand dollars and she was by far the worst attorney we have ever worked with. To say she is unresponsive is an understatement. Numerous emails and phone calls would go unanswered for weeks at a time, followed by weak excuses. She simply does not respond, nor does her staff. She does however, bill very promptly. When we told her we were going to take our case elsewhere, she gave us a solemn promise that she would be more responsive but there was no change. As a result of her poor responsiveness, the case dragged on for far longer, and cost much more, than it should have. We were very unhappy with Katie Phang and would advise anyone who asks to avoid using her.
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12 Feb, 2019 by Anonymous
Terrible horrible service. We hired Katie to litigate a small matter of a few hundred thousand dollars and she was by far the worst attorney we have ever worked with. To say she is unresponsive is an understatement. Numerous emails and phone calls would go unanswered for weeks at a time, followed by weak excuses. She simply does not respond, nor does her staff. She does however, bill very promptly. When we told her we were going to take our case elsewhere, she gave us a solemn promise that she would be more responsive but there was no change. As a result of her poor responsiveness, the case dragged on for far longer, and cost much more, than it should have. We were very unhappy with Katie Phang and would advise anyone who asks to avoid using her.
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11 Nov, 2008 by Anonymous
failure to perform, to prosecute, billing errors substantial, charges questionable,
not credible. Too many errors ,wrong court , even my name wrong. Damaged my prospects-did not forward work product, did not return emails phone calls for months.Primary communication was invoices. much misinformation and totally disorganized.
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31 Jul, 2024 by Lourdes
He is representing or possibly his wife Olga Cardet and while I occupied the OLD NEVER UPGRADED Property we conducted a walk through even though a contract was never presented by his client/wife which as we all know is obsurd because we never had a walk through BEFORE we moved in she just took our money and that was it. Long story short even after a walk through she kept my deposit creating bogus charges that were never an issue while we occupied the premise and now magically it is so she can keep our money. I am owed $2500 and will received it legally. See you in court!
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28 Aug, 2023 by Christopher foster
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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.
