Every time you pay premiums to your insurer, you expect them to fulfill their obligations and compensate you in the event of an accident. However, when your insurer fails to reasonably pay your claim as per your policy, it is known as bad faith insurance. If you find yourself in such a situation, seeking legal help from a Houston bad faith insurance lawyer is advisable.
It’s important to note that insurance companies may deny or limit the amount of money offered in a claim, but only when there is clear justification. Not every conflict raised by the insured amounts to bad faith. However, if you believe that your claim was improperly denied, you may have grounds to file a bad faith case against your insurance company.
Filing a lawsuit against your insurer can be a complex process, and it’s recommended to hire a qualified and experienced lawyer who specializes in bad faith insurance claims. Our personal injury lawyers will work closely with you to help you understand the relevant Texas and local Houston statutes and fight for your best interests. Don’t hesitate to seek professional legal help if you find yourself in a bad faith insurance situation. Contact us today to schedule a consultation.
What Duties Does My Insurance Company Owe Me?
In Houston, there are clear laws governing insurance companies and their obligations to their policyholders. These laws require insurance companies to fulfill several duties within specific timeframes. If they fail to do so intentionally, you have the right to take legal action against them.
However, filing a lawsuit against an insurance company can be a challenging process. The insurance company’s legal team may attempt to overwhelm you with paperwork, hoping to persuade you to accept a low settlement and abandon your claim. This underscores the importance of hiring a skilled Houston bad faith insurance attorney.
The primary duties owed to you by your insurance company include:
For a free legal consultation with a bad faith insurance lawyer serving Houston, call (832) 449-8230
The Duty to Conduct Investigations
When an insured files a claim for compensation for damages resulting from an accident, insurance companies are expected to conduct immediate investigations. This investigation must be conducted expeditiously, without intentional delays. The investigation must be able to show valid reasons why the insurance company denied the claim. Failure to conduct proper research and provide these findings may constitute bad faith. As a result, the insurer can be made to answer before a judge or jury.
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The Duty to Defend the Policyholder
Insurance companies are legally obligated to safeguard and defend the interests of their policyholders. In scenarios such as car accidents, they must act as an intermediary between the insured and a third party who has been injured and is filing a claim. This ensures that the insured does not have to deal directly with the claimant but instead has the insurance company to represent them. The company is responsible for all financial costs that may arise from an accident or lawsuit. Failure to provide such coverage may constitute a breach of the insurer’s duty to defend their client.
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The Duty to Indemnify
According to the law, insurance companies are obligated to pay settlements based on the agreement they made with their policyholders. Generally, this payment is equal to the policy coverage limit. If the insurer fails to indemnify their insured as required and exposes them to lawsuits from third parties, they may be sued for bad faith insurance.
It is important to note that jurisdictions may differ in their interpretation of what constitutes bad faith insurance. Therefore, it is advisable to consult with a Houston lawyer immediately to gain a better understanding of the laws governing bad faith insurance claims
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A Houston Attorney Can Help You Seek Justice by Filing a Bad Faith Insurance Lawsuit
If you find yourself in a situation where your insurance company has acted in bad faith, seeking justice can be a difficult and overwhelming task. However, with the help of an experienced Houston bad faith insurance lawyer, you can fight back and protect your rights as a policyholder. Our team of lawyers is well-versed in the laws pertaining to bad faith insurance in Houston and can guide you through every step of the process.
We understand that you may have questions about filing a bad faith insurance lawsuit. That’s why we offer a free consultation with one of our representatives, who can answer any questions you may have and provide you with the information you need to make an informed decision. Contact us today to schedule your consultation and take the first step toward seeking justice.
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