Palm Beach County Car accident victim's best weapon: "Bad Faith", how to bring insurance companies to their knees

Florida’s laws 626.9541 (1)(i) 2, 3

Are a virtual bill of rights for palm beach county car accident victims who are denied insurance benefits is found in this statute: Lets discuss before we take a look:
Example one:

This is called first party bad faith:

1. Palm Beach County car accident attorney writes a letter to the insurance company of his/her own insured requesting UM benefits.
2. The insurance company starts to do the things described below.
3. The car accident victim files a Civil remedies notice asking for payment.
4. The insurance refuses.
5. 60 days pass.
6. The car accident files a lawsuit against his own insurance company and recovers a jury verdict for x dollar.
7. The insurance company has to pay the x dollars even if x is larger then the policy.

This is called third party bad faith:

1. Palm Beach County car accident attorney writes a letter to the other guys insurance company requesting the full mount of the BI policy.
2. The insurance company starts to do the things described below.
3. The car accident victim’s attorney writes a letter to the insurance adjuster giving him or her a reasonable amount of time to make payment.
4. The insurance refuses.
5. Time period set by the car wreck attorney expires
6. The car accident victim files a lawsuit against the other driver and recovers a jury verdict for x dollar.
7. The insurance company has to pay the x dollars even if x is larger then the policy.

Lets take a look:

These rights are
(i) Unfair claim settlement practices.--
2. (this is when the insurance company tells a lie, or an withholds critical information with the intent to reduce the money owed to any person who is owed benefits) A material misrepresentation made to an insured or any other person having an interest in the proceeds payable under such contract or policy, for the purpose and with the intent of effecting settlement of such claims, loss, or damage under such contract or policy on less favorable terms than those provided in, and contemplated by, such contract or policy; or
3. Committing or performing with such frequency as to indicate a general business practice any of the following:
a. (not having a reliable truthful system in place for figuring out claims) Failing to adopt and implement standards for the proper investigation of claims;
b. (Lying to save money, or telling half truths to save money) Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue;
c. (not responding to phone calls and letters) Failing to acknowledge and act promptly upon communications with respect to claims;
d. ( denying benefits over an excuse) Denying claims without conducting reasonable investigations based upon available information;
e. (refusing to communicate timely with the insured regarding partial benefits) Failing to affirm or deny full or partial coverage of claims, and, as to partial coverage, the dollar amount or extent of coverage, or failing to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements have been completed;
f. (saying the no with out saying the why) Failing to promptly provide a reasonable explanation in writing to the insured of the basis in the insurance policy, in relation to the facts or applicable law, for denial of a claim or for the offer of a compromise settlement;
g. (not being helpful toward the insured in processing their claim) Failing to promptly notify the insured of any additional information necessary for the processing of a claim; or
h. (asking for information with out explaining why the insurance company needs the information to process a claim) Failing to clearly explain the nature of the requested information and the reasons why such information is necessary.

624.155 (1) (b) 1
This law is another tool that can be used to punish an insurance company for behaving in an untruthful manner towards a person who is entitled to benefits.
(1) Any person may bring a civil action against an insurer when such person is damaged:
(b) By the commission of any of the following acts by the insurer:
1. Not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests;