Agent Negligence

"At Least We Have Insurance…"

People often think of insurance agents as trusted friends or business advisors — individuals they can depend on to look out for their best interests. But insurance agents are just as human as anyone else. And on occasion, they can and do make mistakes. Unfortunately, if the mistake involves a failure to obtain the right kind of insurance or coverage amounts, clients are the ones left up a creek, without a paddle or a policy to protect their interests.

Failure to obtain proper coverage may give rise to a claim of insurance agent negligence, where the remedy is the amount of benefits the insured would have been entitled to recover against the insurer if the proper coverage had been in place.

At Merlin Law Group, P.A., our lawyers are experienced at identifying all potential areas of recovery, including the potential for claims against an insured’s agent where the agent did not appropriately obtain coverage for his or her client. A claim of agent negligence is often interwoven with an insurance coverage dispute against the insurer. We are prepared to pursue a claim against your agent if we feel the actions of your agent may have contributed to the denial of your insurance claim.

Our practice includes cases of:

• Failure to properly advise clients of coverage options
• Failure to obtain insurance coverage
• Failure to bind insurance coverage
• Failure to activate insurance
• Theft or misuse of insurance policy premiums
• Misrepresentation
• Errors and omissions

Insurance agent negligence, whether intentional or by accident, is more common than many would like to think. We know this from experience because most of our attorneys worked in the field of insurance defense prior to joining Merlin Law Group, P.A. If you have recently filed a claim with what you believed to be your insurance carrier, only to discover that your agent had not purchased the coverage you requested, we can help.

Talk to Our Attorneys

For answers to your questions regarding agent negligence claims and our insurance litigation practice — call our Coral Gables or Tampa, Florida, law offices or reach us in Houston or Gulfport, Mississippi, by dialing 1-877-449-4700. To reach us via computer, please complete the brief form located on our contact us page.

We appreciate your interest and look forward to speaking with you.