Serving all of Florida
Miami-Dade, Broward & statewide
I spent 20 years defending insurance companies in crash cases. Now I use everything I learned to fight for you.
— Emanuel Galimidi, former insurance-defense attorney
Main office in downtown Miami · Consultations across Florida by phone or video
It can be — and few people know that playbook better than someone who used to run it. Florida law requires insurers to act in good faith: to settle a claim promptly and fairly when liability is clear. When they don't, § 624.155 lets you pursue a statutory bad-faith claim, but it has a key step — you must file a Civil Remedy Notice with the Department of Financial Services and give the insurer 60 days to cure. There is also common-law third-party bad faith, when an insurer's failure to settle within policy limits exposes its own insured to an excess judgment — which can make the carrier responsible for the full verdict, even above the policy limit. These cases turn on documentation and timing, so it's worth having the claim reviewed before deadlines and notice requirements run.
What they do
They drag out the claim with endless requests, betting you'll give up or settle low.
A quick denial that conveniently softens once the notice clock is running.
They point fingers to avoid paying a clear claim within the limits they sold.
What to do
Save every letter, email, and claim number — the paper trail is the case.
Note each delay, denial, and offer with dates; timing is central to bad faith.
The statutory notice must be filed correctly — errors can sink an otherwise strong claim.
Have the coverage and the insurer's conduct evaluated before you accept anything.
Florida law
Allows a claim when an insurer acts in bad faith — but requires a Civil Remedy Notice and a 60-day cure period first.
When an insurer unreasonably fails to settle within limits and exposes its insured to an excess judgment, the carrier can owe the full verdict.
Insurers must handle a claim with the same care for the insured's interests as their own.
Bad-faith claims hinge on deadlines, the notice, and the documented record — early review protects your rights.
Proven results
The firm has recovered meaningful compensation for injured Floridians — including confidential and policy-limits settlements.
Each case is different and past results do not guarantee a similar outcome.Client reviews
“Mr. Galimidi took on my case after I totaled my car in an accident. He always got back to me the same day with answers and updates. I highly recommend him.”
— Jacqueline Earls · Google“He stood firmly by my side with expert guidance and genuine encouragement. We won the case — and his integrity and trustworthiness impressed me most.”
— Domineque Martindale · Google“Simply the best of the best. So honest, and always reachable — he gives you all the advice and all the angles, then uses his knowledge for your best outcome.”
— Eden Alush · Google“His long experience working for the other side — the insurance companies — is absolutely invaluable when negotiating a payout.”
— Victor · AvvoIndividual results; outcomes vary by case. Reviews are from the firm’s Google and Avvo profiles.
Questions people ask
Unreasonable delay, an unjustified denial, or failing to settle a clear claim promptly and fairly can all be bad faith.
For a statutory bad-faith claim, yes — and the insurer gets 60 days to cure before you can proceed.
Yes. When bad faith exposes the insured to an excess judgment, the carrier can be responsible for the full verdict.
Both situations exist — first-party claims against your own insurer and third-party claims involving another's carrier.
Deadlines and notice requirements apply and can be unforgiving — it's best to have the claim reviewed promptly.
You'll talk to a senior attorney who spent 20 years on the other side — not a case manager. No fees or costs unless you recover.
Call 786-442-2873