Fort Worth Bad Faith Insurance Lawyer
When you get sick, get into a car accident, or sustain property damage at your Fort Worth home, you expect your insurance company to act in good faith and provide you with the funds you need to cover your expenses. Unfortunately, insurance companies are primarily driven by profit.
As such, it is not unusual for them to make the claims process unnecessarily difficult or even deny valid claims outright.
Of course, you do not have to sit back and accept this behavior from your insurer. With the help of a Fort Worth bad faith insurance lawyer, like those here at Stephens Law Firm, PLLC, you may be able to file suit against them and recover the money you deserve.
How the Stephens Law Firm, PLLC, Can Help You Deal with Your Bad Faith Insurer
The attorneys here at the Stephens Law Firm, PLLC, are committed to holding insurance companies accountable for their actions.
So, when you hire our legal team to help you put a stop to their bad faith actions, we will:
Walk You Through Your Legal Options
Having your insurance company unceremoniously deny your claim can be a somewhat shocking experience.
So, when you receive notice that you will not be receiving the money you need to cover your expenses, you may not know what to do next.
Fortunately, the attorneys here at the Stephens Law Firm, PLLC, are experts in insurance law.
When you hire us, we will immediately sit down with you and walk you through the legal options that are available to you. Should you have any questions about them, we will be on-hand to provide you with the answers you need.
Search for Evidence to Prove the Validity of Your Claim
Unscrupulous insurance companies use a plethora of techniques to deny claims and delay the release of funds to policyholders. One of their most popular tactics is to state that the insured party has not provided them with enough evidence to make a valid claim.
If your insurance company is making such a statement, the Stephens Law Firm, PLLC can help. We will interview witnesses, scour through electronic records, review contracts, obtain medical records, and do whatever else it takes to try to find the evidence you need to prove the validity of your claim.
Communicate with Your Insurance Company
Quite often, the best way to resolve bad faith insurance cases is to reach out to the insurer and speak to them about the matter directly. Doing so can force the insurance company to provide a valid reason for denying the claim or delaying the release of funds. This information can then help with the formulation of a plan to get the claim approved.
When you work with the Stephens Law Firm, PLLC, you won’t need to worry about calling your insurance company and trying to get to the bottom of their decision to deny or delay your claim. Our team of experienced lawyers will be more than happy to do so on your behalf.
Argue on Your Behalf in Court
If your bad faith insurance case cannot be resolved by discussing and negotiating the matter with your insurer, you will almost certainly need to take your pursuit of compensation to court. There, a judge and jury will analyze the details of your situation and decide whether or not you should be awarded any money. If they rule in your favor, they will also determine how much compensation you ought to receive.
At the Stephens Law Firm, PLLC, we have been representing clients in courtrooms throughout Texas for years. As such, we understand how to argue a case in a clear and concise manner. When you hire us, we will work diligently to ensure that you receive a fair hearing in court.
Do you believe that your insurance company acted in bad faith when they denied your claim? Then please do not hesitate to reach out to the personal injury attorneys here at the Stephens Law Firm, PLLC, in Fort Worth. We are ready, willing, and able to help you fight for the compensation you deserve.
An Overview of the Responsibilities of Texas Insurance Companies
Insurance companies in the state of Texas do not have free reign to act in any way they see fit. Their behavior is governed by the Texas Insurance Code.
Section 541.060 of this statutory text explains that, when processing claims, insurance companies are expected to:
- Process claims in a timely manner
- Accurately represent key information about the insured party’s coverage
- Provide a valid and reasonable explanation for the denial of the insured’s claim
- Attempt to offer the insured party a fair settlement
- Release funds to the insured party without requesting any unnecessary information such as tax returns or birth certificates
Insurance companies who violate these rules can be sued by their policyholders. They may also face significant fines for their bad faith actions.
The bad faith insurance lawyers here at the Stephens Law Firm, PLLC, are experts in all areas of Texas civil law. If you are a Haltom City or North Richland Hills resident whose insurance company denied their property damage claims without providing a valid reason, please contact us as soon as possible. We would love to help you hold them accountable for their actions.
How to Tell if Your Fort Worth Insurance Company is Acting in Bad Faith
If you are like most Texans, you probably do not communicate with your insurance company very often. As such, when you finally do reach out to them, you may not know whether their behavior is normal or they are acting in bad faith.
Fortunately, there are numerous tell-tale signs that you can use to identify an insurance company that is acting in bad faith. They are:
Failing to Acknowledge Receipt of Your Claim
When you contact your insurance company to let them know that you have been in an accident or have sustained damage to your property, they should promptly let you know that they have received your claim and are working to process it. Should they fail to do so, it may be a sign that they are attempting to avoid paying you the money you need to cover your expenses.
Denying Your Claim without a Valid Reason
Section 541.060 of the Texas Insurance Code states that, when denying a claim, insurers are required to provide a valid and reasonable explanation for doing so. If your insurance company fails to provide such an explanation, it could be a sign that they are wrongfully denying your claim and hoping that you do not challenge them on their decision.
Attempting to Hide Key Information from You
Under Texas law, the insurance claims process is required to be open and transparent. Insurance companies should never attempt to hide important facts from their policyholders. If yours does, they are likely acting in bad faith and you would be well advised to seek the services of an experienced lawyer.
Avoiding Your Emails and Phone Calls
As your insurance company processes your claim, you should be able to reach out to them via phone or email for updates. If your insurer refuses to answer your calls or messages, it might be a sign that something untoward is going on behind the scenes.
Failing to Release Payment in a Timely Manner
Once your insurance company reviews your claim and determines that you are entitled to compensation, they are required to send you your funds in a timely manner. Failing to do so is a violation of the Texas Insurance Code. If your insurer let you know that you would be receiving a payout, but have yet to transfer the funds, they could be acting in bad faith.
Attempting to Strongarm You into Accepting a Settlement
When your insurance company offers you a settlement, you have the right to take some time to consider the deal before accepting it. Your insurer should not attempt to force you to make a decision on the spot or claim that the deal may disappear if you do not accept it soon. If your insurance company is trying to strongarm you into quickly accepting a settlement, they may be attempting to short change you.
If your product liability, commercial property, or life insurance company has taken any of the actions outlined above, you may be entitled to compensation. To learn more about your legal options, just pick up the phone and call the team here at the Stephens Law Firm, PLLC. We would be happy to arrange a free consultation at our Fort Worth law office to learn more about your situation.
A Fort Worth Bad Faith Insurance Lawyer You Can Count On
The attorneys here at the Stephens Law Firm, PLLC, have been helping the people of Fort Worth with their bad faith insurance claims and other legal issues for many years. They choose to work with us because they know that we have years of experience in the industry and an in-depth understanding of the law. If you would like to have us assist you with your case, just give us a call or contact us online.