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Insurance Litigation, Insurance Coverage and Insurance Bad Faith Lawyer

Represents individuals and attorneys in Florida and throughout  the U.S.

"Too many insurance companies are guilty of no pay, slow pay or no pay,"

Ed Ricci has a long history of litigating claims, coverage issues and bad faith offers in personal injury cases across Florida and the U.S. Below, Ed gives some insight on how consumers have been wrongfully denied or mistreated by their insurance carriers.

We entrust our livelihood, our future, and our family's security to our insurance companies. In return, we expect, and the law requires, that insurance companies act with good faith in dealing with our insurance needs. When an insurance company fails to fulfill its obligations to the insured, they need to be held accountable.

All too often insurance companies fail to:

  • Fairly and thoroughly investigate a claim
  • Provide justification for denying a claim
  • Offer the full value of a claim’s worth
  • Settle a claim when they should and could

If your insurance company has purposely refused to process your insurance claim in compliance with that standard, you may have a claim for bad faith. Insurance companies are required by law to treat their customers fairly and this includes payment of claims that are honestly due to the insured. Bad faith insurance law arose because, in the past, insurance companies have mistreated their clients and refused to pay for legitimate claims. Such conduct often hurts the consumer by forcing them to pay unnecessary legal fees or give up on their legitimate claim.

Nearly all of us have or will purchase some form of insurance (motor vehicle, hurricane, health, life, property, business, professional liability). While we assume that the policies will be honored by our insurance company if we need to file a claim, all too often we find this is not the case. It is not unusual for an insurance company to limit or even deny coverage of a claim without proper justification or warning. Unfortunately, these unfair claims or bad faith practices are often applied to those policyholders most dependent on the protection promised by the insurance policy.

In 1982, the state of Florida enacted the Florida Unfair Claims Practices Act (UFCA) to protect consumers from insurance companies that do not make good faith efforts to settle claims.


Edward M. Ricci, P.A. is uniquely qualified to handle cases that fall under this law. The firm's bad faith representation is handled by an experienced group of professionals including paralegal/insurance specialists with extensive experience in insurance claims practices, and an attorney who spent much of his career defending insurance companies in "bad faith" cases. This provides the firm with an in-depth and invaluable understanding of how the opponent thinks and operates in these situations.

Edward M. Ricci, P.A. has successfully litigated cases involving insurance coverage, insurance bad faith and insurance fraud. A few of Ricci's most notable cases include:

  • Ager v. Sentry Insurance which is the first case tried under the Unfair Claims Practices Act
  • Wilson v. Sentry Insurance challenged the application of ERISA law to blatant fraud
  • Chipps v. Humana which is one of the largest managed care verdicts in U.S. history

You can review these and other notable cases to learn more. Attorney Ed Ricci has also co-authored the articles “New Areas of Bad Faith” and “The Cancer of Managed Health Care.”

To learn more about insurance litigation or to receive a complimentary review of any potential case, please contact our law firm online or call us at 561-748-8000. We are happy to answer your questions about any insurance coverage, insurance fraud or insurance bad faith case.

Pursuing Justice.

For more than four decades, Edward M. Ricci has specialized in civil trial law. He pursues justice for victims in the areas of auto accidents, personal injury and wrongful deaths, cemetery desecrations, lawn tractor / riding mower accidents, crashworthiness (product defects), insurance litigation and consumer claims. The firm serves consumers throughout Florida and the United States.