.png)
.png)
.png)
No Fees Unless We Win | Si Hablo Español
Fighting denied claims, bad faith practices, and unfair settlements. We deal with insurance companies so you don't have to.
After a car accident, you expect your insurance company to honor your policy and provide fair compensation. Unfortunately, insurance companies are businesses focused on profits, not your well-being. They often use tactics to delay, deny, or minimize valid claims, leaving accident victims struggling to pay medical bills and repair costs.
At Dean & Camper, P.A., we hold insurance companies accountable for bad faith practices and fight to get you every dollar you deserve under your policy. Our attorneys have extensive experience dealing with insurance adjusters and know how to overcome their tactics to secure fair settlements for our clients throughout Pensacola, Destin, Fort Walton Beach, Mobile, and the Gulf Coast.
Insurance companies use these strategies to pay you less than you deserve:
Many Florida and Alabama drivers carry only minimum liability insurance, which is often inadequate to cover serious injuries. Some drivers have no insurance at all. This is where your own UM/UIM coverage becomes critical.
Uninsured Motorist (UM) Coverage: Protects you when hit by a driver with no insurance. This coverage pays for your injuries, lost wages, and pain and suffering when the at-fault driver cannot.
Underinsured Motorist (UIM) Coverage: Provides additional compensation when the at-fault driver's insurance isn't enough to cover your damages. For example, if you have $100,000 in medical bills but the other driver only has $25,000 in coverage, your UIM policy can make up the difference.
Important: Insurance companies often try to deny UM/UIM claims by arguing the other driver had "some" insurance or by claiming you waited too long to file. We know how to overcome these defenses and secure your full coverage.
Florida is a "no-fault" state, which means your own insurance company pays your medical bills and lost wages up to your PIP policy limits, regardless of who caused the accident. Standard PIP coverage provides $10,000 in benefits.
Common PIP Issues:
We work with medical providers and use expert testimony to prove your treatments were necessary and related to the accident, ensuring you receive your full PIP benefits.
Insurance companies have a legal duty to act in good faith when handling your claim. When they breach this duty, you may have a separate bad faith claim in addition to your underlying insurance claim.
Examples of Bad Faith:
Bad faith claims can result in: Payment of your original claim plus additional damages, including attorney's fees, interest, and in some cases, punitive damages to punish the insurer's misconduct.
Understanding your coverage is the first step in getting fair compensation:
When another driver causes your accident, you'll likely file a claim with their insurance company (called a "third-party claim"). These insurers have no obligation to you and will do everything possible to minimize your payout.
Never do these things without a lawyer:
Let us handle all communication with the other driver's insurance company. We know their tactics and won't let them take advantage of you.
After an accident, you're entitled to have your vehicle repaired to its pre-accident condition, or if totaled, to receive fair market value for your vehicle.
Common Property Damage Issues:
Even after proper repairs, an accident-damaged vehicle is worth less on the resale market. This loss in value is called "diminished value," and you may be entitled to compensation for it.
Diminished value can range from 10-25% of the vehicle's pre-accident value. Insurance companies rarely inform claimants of this right and will fight these claims. We use vehicle valuation experts to prove the diminished value and recover this often-overlooked compensation.
Insurance adjusters are trained negotiators working to protect their company's profits. You need an experienced attorney on your side who:
PIP Claims: Must seek treatment within 14 days in Florida to maintain PIP coverage. Submit bills promptly.
Property Damage: Notice requirements vary by policy but typically 30-60 days.
Bodily Injury Claims: Florida allows two years from the accident to file a lawsuit; Alabama also allows two years.
Bad Faith Claims: Must first exhaust claims process, then specific time limits apply.
Don't wait. Insurance companies use delay tactics, and evidence can disappear. Contact us immediately after your accident.
Q: Can my insurance company drop me after filing a claim?
A: They generally cannot drop you mid-policy for filing a claim, but may not renew your policy. However, some claims (like UM/UIM) shouldn't be held against you.
Q: What if the insurance company denies my claim?
A: We can appeal the denial, provide additional evidence, or file a lawsuit if the denial is in bad faith.
Q: Should I accept the first settlement offer?
A: Usually no. Initial offers are typically far below fair value. Let us review any offer before you respond.
We represent clients in insurance claim disputes throughout:
Real Google reviews from real Gulf Coast clients.
Shane is fantastic! He. Does. Not. Sleep. Works his tail off to take care of his clients. I recommend him to everyone.
Chad went above and beyond and settled our case within 6 months and it was 6 figures. He fights for his clients and does a great job — love his assistant Amber too. Thanks guys!
I used Shane for a car accident I was involved in. He got me more money than I thought I would get and I feel like he represented me fantastic! I wouldn't hesitate to use him again or refer him.
Chad and Amber were amazing. They were in contact with me throughout the entire process. They far exceeded my expectations on every level. If you need a personal injury attorney, this is the one for you!
These are the attorneys you want on your side! My settlement was much larger than I expected, every call and email I sent was promptly returned. My Attorney, Shane Dean, was excellent to work with.
We had a wonderful experience working with Chad. The communication and follow up was wonderful, and we were very happy with our outcome! I would highly recommend this office.
Every one at the firm was extremely helpful throughout the whole process. They explained everything in detail and made sure to keep me updated! I highly recommend; they were great to work with!
Chad has his client's best interest at heart and has exceeded all my expectations. I would strongly recommend this law firm — you won't regret it.
Such an amazing team! They worked relentlessly to get me a settlement and never gave up! Chad was always 100% honest and always gave me the choice on any decision regarding the case. Truly an amazing attorney.
Answer calls promptly, keeps in touch — heck, one time Mr. Camper even gave me a ride to get my flat tire fixed! That's the kind of attorney he is.
Shane Dean seen my case through, thoroughly advised me along the way, promptly returned my calls from start to finish, & it felt more like I had a friend on my side sticking up for me!
I highly recommend Dean & Camper. Chad and his staff made sure I knew what was going on at all times. Most importantly, he cares about his clients’ health and their well being.
Great law firm! I’m grateful I found them.
Shane is awesome. He makes the process easy and personal. Highly recommend him.
Shane Dean was a wonderful attorney and the best one I’ve ever dealt with. He was patient, professional, and quick to respond.
I had a great experience working with this law firm on my injury case. They were professional, communicative, and made the process smooth and stress-free. I’m really happy with the outcome. I highly recommend them.
Calling Shane Dean was the best decision I could’ve made for my case.
Shane & the team helped me with a recent accident. Great working with them, and happy with the settlement.
Mr. Dean and his staff did a great professional job and got me and my family the settlement we deserve in less than 6 months! I really recommend him and his team.
If anyone needs a good lawyer he’s the best in town because he wins.
He is the best attorney I have ever had. Mr. Shane gets back to you as soon as he can, tells you the deal, and gets straight to the business. I will always go to him.
If you’re in need of a good lawyer, I recommend Shane Dean. Shane made sure that I received the best results with my case.
Dean and Camper will do a great job for you if you’re injured in a car accident. They have handled two cases of mine and I have been highly satisfied both times.
It was honestly so great to have Dean & Camper P.A. working on my case.
Shane worked hard for me to counsel me in the best way and got me the full amount of my settlement that was possible.
Professional and always follow through — great experience.
Very knowledgeable — someone you want to have on your side!
Such a pleasure to deal with even with me living 4 hours away in a different state! Communication was excellent. Highly recommend!
Shane and Perla turned a typically painful and unfortunate process into an incredibly smooth experience!
This firm was a great experience. Chad was very professional, down-to-earth, relatable, and very informative.
Chad Camper and his staff are the greatest. If you need a great knowledgeable attorney, call Chad Camper.
Chad was extremely easy to work with and made the process smooth and effortless. He would constantly give me updates.
I hired Dean & Camper for a personal injury case. Chad Camper was a professional from the very beginning.
Dean Camper truly went above and beyond for me in my case for injuries sustained in a car accident.
Our case was settled in less than 2 months with much satisfaction. I recommend this office to anyone needing legal help. The customer service was great.
Highly recommend. Chad and his team were great to work with. Very pleased.
Dean and his team offer absolutely phenomenal service and support 24/7. Patient and very informative. Highly recommended! Best!
I was very satisfied with their work. They’re very nice people to work with and very prompt in everything they do.
I had a great experience with Dean and Camper!
Great doing business with you — most thorough and professional, very efficient. We thank you so much!
Chad was professional and great to work with. Highly recommend.
Great company! Chad has been amazing.
Started out with a big law firm that didn’t make me feel important. After 11 months I switched to these guys and quickly had resolution.
Chad and Amber were absolutely amazing during my horrific time. No question was too big or small. They always got back to me.
I had a great experience with Mr. Camper. He was very helpful and walked me through everything. So easy to work with — I would highly recommend them!
Great staff and gets the deal closed with satisfying outcomes.
Chad and the staff at Dean & Camper have been absolutely wonderful to work with. Any time I had a question they were available. I would highly recommend them to anyone needing representation!
Shane is fantastic! He. Does. Not. Sleep. Works his tail off to take care of his clients. I recommend him to everyone.
Chad went above and beyond and settled our case within 6 months and it was 6 figures. He fights for his clients and does a great job — love his assistant Amber too. Thanks guys!
I used Shane for a car accident I was involved in. He got me more money than I thought I would get and I feel like he represented me fantastic! I wouldn't hesitate to use him again or refer him.
Chad and Amber were amazing. They were in contact with me throughout the entire process. They far exceeded my expectations on every level. If you need a personal injury attorney, this is the one for you!
These are the attorneys you want on your side! My settlement was much larger than I expected, every call and email I sent was promptly returned. My Attorney, Shane Dean, was excellent to work with.
We had a wonderful experience working with Chad. The communication and follow up was wonderful, and we were very happy with our outcome! I would highly recommend this office.
Every one at the firm was extremely helpful throughout the whole process. They explained everything in detail and made sure to keep me updated! I highly recommend; they were great to work with!
Chad has his client's best interest at heart and has exceeded all my expectations. I would strongly recommend this law firm — you won't regret it.
Such an amazing team! They worked relentlessly to get me a settlement and never gave up! Chad was always 100% honest and always gave me the choice on any decision regarding the case. Truly an amazing attorney.
Answer calls promptly, keeps in touch — heck, one time Mr. Camper even gave me a ride to get my flat tire fixed! That's the kind of attorney he is.
Shane Dean seen my case through, thoroughly advised me along the way, promptly returned my calls from start to finish, & it felt more like I had a friend on my side sticking up for me!
I highly recommend Dean & Camper. Chad and his staff made sure I knew what was going on at all times. Most importantly, he cares about his clients’ health and their well being.
Great law firm! I’m grateful I found them.
Shane is awesome. He makes the process easy and personal. Highly recommend him.
Shane Dean was a wonderful attorney and the best one I’ve ever dealt with. He was patient, professional, and quick to respond.
I had a great experience working with this law firm on my injury case. They were professional, communicative, and made the process smooth and stress-free. I’m really happy with the outcome. I highly recommend them.
Calling Shane Dean was the best decision I could’ve made for my case.
Shane & the team helped me with a recent accident. Great working with them, and happy with the settlement.
Mr. Dean and his staff did a great professional job and got me and my family the settlement we deserve in less than 6 months! I really recommend him and his team.
If anyone needs a good lawyer he’s the best in town because he wins.
He is the best attorney I have ever had. Mr. Shane gets back to you as soon as he can, tells you the deal, and gets straight to the business. I will always go to him.
If you’re in need of a good lawyer, I recommend Shane Dean. Shane made sure that I received the best results with my case.
Dean and Camper will do a great job for you if you’re injured in a car accident. They have handled two cases of mine and I have been highly satisfied both times.
It was honestly so great to have Dean & Camper P.A. working on my case.
Shane worked hard for me to counsel me in the best way and got me the full amount of my settlement that was possible.
Professional and always follow through — great experience.
Very knowledgeable — someone you want to have on your side!
Such a pleasure to deal with even with me living 4 hours away in a different state! Communication was excellent. Highly recommend!
Shane and Perla turned a typically painful and unfortunate process into an incredibly smooth experience!
This firm was a great experience. Chad was very professional, down-to-earth, relatable, and very informative.
Chad Camper and his staff are the greatest. If you need a great knowledgeable attorney, call Chad Camper.
Chad was extremely easy to work with and made the process smooth and effortless. He would constantly give me updates.
I hired Dean & Camper for a personal injury case. Chad Camper was a professional from the very beginning.
Dean Camper truly went above and beyond for me in my case for injuries sustained in a car accident.
Our case was settled in less than 2 months with much satisfaction. I recommend this office to anyone needing legal help. The customer service was great.
Highly recommend. Chad and his team were great to work with. Very pleased.
Dean and his team offer absolutely phenomenal service and support 24/7. Patient and very informative. Highly recommended! Best!
I was very satisfied with their work. They’re very nice people to work with and very prompt in everything they do.
I had a great experience with Dean and Camper!
Great doing business with you — most thorough and professional, very efficient. We thank you so much!
Chad was professional and great to work with. Highly recommend.
Great company! Chad has been amazing.
Started out with a big law firm that didn’t make me feel important. After 11 months I switched to these guys and quickly had resolution.
Chad and Amber were absolutely amazing during my horrific time. No question was too big or small. They always got back to me.
I had a great experience with Mr. Camper. He was very helpful and walked me through everything. So easy to work with — I would highly recommend them!
Great staff and gets the deal closed with satisfying outcomes.
Chad and the staff at Dean & Camper have been absolutely wonderful to work with. Any time I had a question they were available. I would highly recommend them to anyone needing representation!
Our attorneys are available 24/7. Call any of our offices or fill out our online form for a free case review.
Si Habla Español
No Fees Unless We Win Your Case
Fill out the form below and a member of our team will contact you within one business day. For urgent matters, call us directly 24/7.
Our track record speaks for itself. We’ve recovered tens of millions for injury victims across the Gulf Coast.
Prior results do not guarantee a similar outcome. Each case is unique and results depend on the specific facts and circumstances.
