Has your insurance company underpaid, denied, or delayed your compensation for a property damage claim or for a personal injury claim? Are you ignored, “brushed off,” or being treated unethically in some other way by a company that you’ve been paying for insurance coverage?
If this situation describes you, you’ll need to retain an insurance claim attorney. Your insurance company has attorneys, and if you are not receiving the compensation that you are entitled to, you’ll need a lawyer too.
For over a decade, the Law Offices of Denise Adkison-Brown, PLLC has represented consumers in Houston and throughout the state of Texas who have been victimized by the bad faith insurance practices of their own insurance companies.
WHERE CAN YOU TURN IF YOUR INSURANCE COMPANY WON’T DO ITS JOB?
If your insurance company is operating in bad faith regarding your property damage or personal injury claim, contact us at once and speak to an insurance bad faith attorney about your case.
A natural disaster that destroys your home or a catastrophic injury that imperils your health is everyone’s nightmare. But, just because you pay for a homeowner’s policy or auto policy, there is no guarantee that an insurance company will handle your claim appropriately.
Your policy is a contract that you pay for – it’s the insurance company’s promise to provide coverage when you need it. When you buy insurance, the company has a legal obligation to provide that coverage and to settle any claims you file in good faith.
You need to have an insurance claim paid promptly. Do not let your insurance company take advantage of you or operate in bad faith.
WHAT’S THE RULE IN TEXAS REGARDING THE PAYMENT OF INSURANCE CLAIMS?
The rule – in all fifty states – is that an insurance company must investigate your claim and pay it – or give you a good reason why the claim isn’t being paid. If an insurance company is not taking its obligation to you seriously not giving you the benefits you have paid for, you may have grounds for taking legal action.
If an insurance company fails to meet its responsibility, contact the Law Offices of Denise Adkison-Brown, PLLC at once and discuss your situation with a skilled bad faith insurance attorney. An insurance company may be taken to court by a policyholder with a bad faith claim if the company has:
- failed to attempt a reasonable settlement when liability is clear
- failed to either deny or pay a claim in a reasonable amount of time
- failed to explain why a claim was denied
- failed to investigate a claim properly
- offered a settlement amount that’s considerably below the actual value of your claim
WHAT MAKES AN INSURANCE COMPANY OBLIGATED TO YOU?
An auto insurance company, for example, has a variety of obligations to policyholders.
As a “first party” making a claim against your own policy, the company has accepted payments from you, so the company has a contractual obligation when you file a legitimate property damage claim or personal injury claim.
Even when a “third party” claim is made against an auto insurance company, that company is still obligated professionally – and required by law – to act in good faith.
Regarding your own insurance company, a mere difference of opinion between you and the company adjuster regarding the amount of your claim probably will not constitute insurance bad faith.
However, if the company denies your claim or makes a low settlement offer and provides no reasons why, or if the company has misled you or has otherwise operated unprofessionally, you may be a victim of insurance bad faith practices.
WHAT ARE THE REMEDIES FOR BAD FAITH INSURANCE PRACTICES?
In some cases, merely sending a letter – or asking an insurance claims attorney with our firm to send a letter on your behalf – may lead to some action.
Oftentimes, just the possibility of a legal action will compel the company to offer an acceptable settlement. That’s because, if you take an insurance company to court for bad faith, it could be ordered to pay for additional damages beyond the amount of your original claim.
If you believe that an insurance company has used deceptive trade practices or has operated in bad faith in its dealings with you, contact our firm at once by phone or by filling out the contact form here on our website.
WHAT WILL AN ATTORNEY AT OUR LAW FIRM DO FOR YOU?
You’ll speak to a skilled insurance lawyer who will explain your legal rights and options – an attorney who will aggressively fight for your rights if those rights are violated by an insurance company in this state.
If you’ve been injured or if your property has been damaged or destroyed, don’t let yourself be bullied by a bad insurance company. Get legal help from one of the best law firms in Houston and get the justice you deserve.
Contact the insurance dispute attorneys of the Law Offices of Denise Adkison-Brown, PLLC, or fill out the contact form on our website and we will get in touch with you shortly.