Insurance bad faith can happen to anyone. Just when you think your insurance company will come through for you in your time of need, it unfairly denies your claim or drags its feet in paying a settlement. Now you’re wondering how to pay your bills and move on after a serious accident.
The Houston insurance bad faith lawyers at Attorney Brian White & Associates P.C. can help you fight insurance bad faith and recover the compensation you deserve.
What Is Insurance Bad Faith?
Insurance bad faith is a legal phrase that describes a civil claim an insurance policyholder may have against his or her insurance company for bad acts. “Bad acts” can refer to anything outside of the insurance company’s realm of duty of care to the insured. Common types of insurance bad faith are unreasonably denied or delayed claims.
An insured person might have grounds for an insurance bad faith claim in Texas if a reasonable and prudent company would have accepted the claim or handled it differently in the same circumstances.
To learn more about insurance bad faith, speak to a personal injury lawyer.
Why Insurers Wrongfully Deny Claims
Despite federal laws binding insurance companies to their words, many insurers try to shirk their responsibilities by handling claims in bad faith. The goal of bad-faith companies in most cases is to save money.
With hundreds of thousands of policyholders to cover, insurers may try anything they can to get out of paying what a claimant fairly deserves. An insurance company might attempt many different bad-faith strategies to avoid upholding its part of a contract.
Insurance Claim Disputes
You have the right to argue an insurance company’s decision that you believe it is making in bad faith. An insurance policy is a legal contract between you and the insurance company. Insurance bad faith claims take the form of contract disputes.
A dispute will involve correspondence between you and the insurance company, likely in the form of you attempting to prove your damages through medical notes, expert opinions, and other documentation. If these steps still do not change the insurance company’s tune, contact our attorneys for the appeals process.
Why Can Insurers Legally Deny Your Claim?
It’s possible the law justifies your insurance company in denying or delaying your claim. Valid, legal reasons for insurance claim denials can include:
• Your policy doesn’t cover the incident or damages in question
• The procedure is investigational, experimental, or not medically necessary
• You missed a reporting or filing deadline
• You violated a state law
• Your claim involved an error
There is also a chance the company does not have enough information about your claim. Read the notice you received from your insurer carefully. If it is requesting further documentation, this might be a normal part of the process. If you feel that the paperwork required is unnecessarily extensive, however, contact our lawyers.
Examples of Bad Faith Insurance Practices
In our years of experience dealing with insurance companies of all types and sizes, we’ve seen many common examples of bad faith that can hurt policyholders:
- Refusing to properly investigate a claim,
- Undervaluing claims,
- Delaying payouts,
- Hiring biased third parties,
- Asking for unnecessary proof, and
- Threatening claimants.
Get Help with Your Insurance Bad Faith Claim
Attorney Brian White & Associates can represent your case during an insurance appeal or bad faith claim to maximize your odds of success. The appeals process can involve a review by an external third party, as is your right under the Affordable Care Act (ACA).
You can also request the insurance company review your claim again and reconsider its decision. If an internal appeal and external review don’t work, you might have a bad faith claim on your hands. Our lawyers can help with the civil lawsuit process in Houston. Contact us today for your free case evaluation.