Tracy Garcia

Associate

Boca Raton

(561) 245-6173

(561) 245-6209

Recent Publication:

Paying the Limits May Satisfy the Policy. A Split Ninth Circuit Says It May Not Satisfy the Duty of Good Faith. [Avoiding Insurance Bad Faith Blog]

An insurer exercises an option expressly afforded by its policy, pays the policy limits, and thereby …

Tracy is an associate who represents clients in civil litigation matters in both state and federal courts. She handles a broad range of matters involving liability defense and complex disputes, with experience spanning high-exposure matters and every stage of litigation. Her practice includes the defense of premises liability and automobile negligence claims, claims arising under privacy and consumer-protection statutes, including the California Invasion of Privacy Act (CIPA) and Florida Security of Communications Act (FSCA); copyright infringement and other intellectual property disputes, and litigation involving homeowners' associations and condominium associations, including claims arising under the Florida Homeowners' Association Act and Condominium Act. Tracy also represents businesses, property owners, and community associations in a variety of commercial and governance-related disputes.

Prior to joining the firm, Tracy represented businesses in class actions and complex litigation involving business torts, contractual disputes, fiduciary duty claims, and intellectual property matters, including trademark and patent infringement. She also defended claims arising under federal and state consumer protection statutes, including the TCPA, UDTPA, MLA, and FCRA, as well as data privacy-related claims. Tracy was a member of a litigation team that achieved several significant outcomes, including successfully opposing class certification in a TCPA matter and reducing potential exposure from approximately $70 million to a single-plaintiff claim. In addition, she handled code enforcement proceedings and appeared before municipal code enforcement boards.

Tracy earned her J.D., summa cum laude, from Nova Southeastern University, Shepard Broad College of Law, where she served as editor-in-chief of the Nova Law Review and received the CALI Award in Legal Research and Writing. During law school, she earned multiple leadership honors and interned for the Honorable Mariya Weekes of the Seventeenth Judicial Circuit Court of Florida. She received her B.A. from Western University, where she studied philosophy and criminology.

 

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Experience

Publications

Paying the Limits May Satisfy the Policy. A Split Ninth Circuit Says It May Not Satisfy the Duty of Good Faith. [Avoiding Insurance Bad Faith Blog]

October 22, 2026

An insurer exercises an option expressly afforded by its policy, pays the policy limits, and thereby …

Industry Sectors

Education

  • Nova Southeastern University, J.D., summa cum laude, 2022
  • Western University, B.A., 2018
  • Florida
  • U.S. District Court -- Middle District of Florida
  • U.S. District Court -- Southern District of Florida

Broward County Bar Association, Young Lawyers Division