Insurance Disputes

The Help You Need, When You Need it the Most

Disputes with insurance companies are some of the most frustrating experiences an individual can face, as it involves not getting the help you need when you need it most, such as just after a tragedy or an accident. Rather than fairly assessing your loss and quickly paying your claim, your insurance company may try to find loopholes that allow them to reduce the amount you are owed. In other situations, they might attempt to give you nothing at all.

The reasons behind their motivation to give you less than expected is simple: insurance is a business. By keeping their costs low, insurance providers keep their bottom line healthy. Giant insurance companies do not get the final say just because of their size, though. Contact us today to learn your legal options.

Why Choose Our Firm?

Standing up to your insurance provider can seem like an overwhelming or intimidating decision. It is understandable for you to feel hesitation, but it is important to know that you will feel relief once you start taking matters into your own hands. To make sure you are proceeding with a great legal team at your back, you will want to work with one you can trust, and that has a reputation for success.

People of Florida choose to work with us because:

We have handled all types of insurance disputes across the state of Florida for over 30 years, including sinkholes, hurricanes, fire, and theft claims. We work for contingency fees – no fees without recovery. We have secured millions of dollars in past case results Our goal is to make sure that insurance companies live up to their obligations and that our clients receive the fair treatment they deserve. We understand how insurance companies operate and think, and we are never surprised by the tactics they try to use.

Lakeland Personal Injury Attorney Fighting in Your Corner

At our law firm, we believe that you deserve to be treated fairly, regardless of the size of the competition or how much is at stake. To think that you would be denied insurance money when you need it the most is unacceptable, and we are willing to go the extra mile for you to prove that we truly want you to get through this ordeal with as little trouble as possible.

Contact Us Today for
Your Free Consultation.


I have known Mr. O’Toole for over 15 years as an attorney and more recently as a friend. He has represented me a few times over these years and I found him to be very knowledgeable and attentive to me as a client. The one thing you can count on with Mr O’Toole is he will tell you what is the best way to go and he sticks to his legal opinion even if you do not agree and ask him to do otherwise. The other thing I have come to realize is that first and foremost he always looks out for his clients best interests no matter what.

Duane M.

If you’re looking for an attorney I would highly recommend Neal O'Toole. He is compassionate when dealing with clients. It would be hard to find another attorney that knows more about the law, and he is a real fighter for his clients, not just a Lawyer who says that!

Karen G.

My family and I have had a professional relationship with Neal O'Toole for over 25 years. All of our dealings have been handled with a level of excellence and professionalism not often seen. I would highly recommend Neal and his team for any legal services needed.

Mark H

Neal’s legal abilities are second to none, They are remarkably Comprehensive, Strategic and always calculated. In a world full of Lawyers one day my life was turned upside down and I chose Neal to represent me and my children. It very quickly became clear to me that I made the right choice. It was clear that every adversary we encountered knew how experienced he was, and even more importantly that he was not someone to be trifled with.

Marc R

Neal O’Toole is an excellent lawyer and person. There is no one that I’d rather have on my side in any legal dispute. His knowledge of the law, common sense, personality and ability to communicate combine to make Neal a formidable presence when the stakes are high.

Drew G.

Having worked with Neal since 2002, he has become my "go to" lawyer for legal representation no matter what is at stake. He has personally represented me and my family in a variety of matters with excellent results each and every time. I have found Neal to be diligent, creative and dependable. In addition I have always received positive feedback from friends that I referred to Neal. Hire Neal O'Toole and you will be glad you did!

David M

My wife and I have lived in Lakeland Florida since 1985. A few years ago a very good friend of mine was involved in a near fatal head on collision. Neal's top notch team was responsible for my friend receiving a multi -million dollar award. I truly don't think any other law firm would have obtained that result.

Andy H.

My family and I have hired Mr O’Toole for cases for over 30 years. His aggressive but down to earth and common sense approach to difficult situations and complex legal issues is uncommon. Neal seems to always have a unique and insightful perspective that for us has made the best of some unfortunate and difficult situations.

Carl L.

Neal L. O’Toole

Neal L. O’Toole was born in New Rochelle, New York, where he was raised until 1978 when he enrolled at Loyola University in New Orleans, Louisiana. In 1982 he graduated from Loyola University cum laude with a degree in both Political Science and Psychology. He immediately enrolled at the Tulane School of Law and in 1985 Mr. O’Toole obtained his law degree. Upon graduation, Mr. O’Toole practiced law in New Orleans until 1988 when he relocated to the state of Florida. At that time, he joined a law firm in Bartow, Florida specializing in civil litigation. In 1992 he became a shareholder in the firm which was then known as Frost & O’Toole, P.A.