As an attorney who handles cases of Unfair Insurance Practices, I caution you to be aware of the facts. Don't just assume you can trust whatever your insurance company says about your claim. Here is a very good article from Gary Farmer, an officer with the Florida Justice Association and attorney in Broward County.
Earlier this month, the insurance industry spin machine started up again. If you believe them, every woe in our state — from traffic in South Florida to the cold weather in the Panhandle — is somehow the result of lawsuits. Some even call Florida a "judicial hellhole," claiming that Florida can lower costs for consumers and create jobs simply by reducing lawsuits.
Well, ask yourself this one question: Why in the world would you trust anything your insurance company says?
You can read the entire article on the Sun Sentinel website.