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An insurance policy is a binding contract between insurance companies and the insured. Insurers have a duty to pay claims when an insured risk occurs. Unfortunately, some insurance companies fail to honor policies to maximize profits.
Hiring a seasoned La Porte bad-faith insurance lawyer protects you from tactics that many insurers employ. The skilled personal injury attorneys at our firm can help with these tactics, including:
One of the most common bad-faith insurance techniques is unreasonably denying claims. This means they reject a valid claim without justification or factual basis. In most cases, this has nothing to do with a claim being invalid or not falling within the policy’s coverage. Instead, insurance companies use loopholes and other excuses to deny settlement. Denying legitimate claims is a breach that undermines a policyholder’s rights.
Misrepresenting coverage is another bad-faith insurance tactic you should watch out for when dealing with insurance companies. It happens when insurers provide misleading information about the scope or extent of coverage provided in a policy. Misrepresentation of coverage may also involve deception about the benefits of a policy and failing to disclose critical information regarding its limitations or exclusions. This can cause significant financial challenges for claimants as they become vulnerable and exposed to unexpected expenses. A skilled La Porte bad-faith insurance attorney can interpret your policy and hold insurers accountable on your behalf.
Even if your claim is valid and falls within a policy’s coverage, insurance companies can frustrate you by delaying settlement. They can prolong investigations or take too long to pay claims. These practices cause a lot of frustration and substantial financial strain. Delaying settlement is a practice that breaches the insurer’s contractual obligation with policyholders. Besides causing financial pressure as bills pile up, a prolonged settlement also mounts significant pressure on claimants, resulting in emotional distress and uncertainty. An experienced La Porte bad faith insurance attorney can help speed up the settlement process so you can offset bills and move on.
When insurance companies don’t delay settlement or misrepresent coverage, offering lowball settlement offers is their next bad-faith insurance practice. They unfairly calculate damages and pay reduced amounts than what claimants deserve. Minimizing payouts leaves policyholders struggling to meet financial needs such as medical expenses and property repair. Engaging a tenacious attorney can help counteract such practices from insurance adjusters to ensure you are fairly compensated.
Dealing with insurance companies may not yield the desired results. Hiring a bad-faith insurance lawyer in La Porte is beneficial for the following reasons:
Legal professionals possess unmatched skills and knowledge necessary for interpreting complex insurance laws. Their deep understanding of legal frameworks makes them ideal for analyzing insurance policies and identifying breaches or violations that could impact your claim. By leveraging this understanding, an attorney can represent your rights effectively.
A trial-experienced attorney has what it takes to advocate for you in court when insurance companies engage in bad-faith insurance tactics. Their familiarity with the Texas justice system and legal procedures ensures they easily navigate legal hurdles and processes on your behalf. Your attorney will handle litigation and develop compelling strategies and arguments. Their experience and advocacy are vital for winning the hearts and minds of the jury or judge.
As experienced negotiators, bad-faith insurance attorneys harness their ability to negotiate just settlements on behalf of claimants aggressively. They will evaluate the overall impact of your injuries and losses before valuing your claim. Doing so ensures they get things right to avoid settling for less than you deserve. Whether negotiating an out-of-court settlement or maximizing compensation in a trial, a bad-faith insurance lawyer pursues the best possible outcome.
Experienced bad-faith insurance attorneys have a deep network of resources that can aid in settling an injury claim. Expert witnesses, consultants, and investigators can provide vital information and professional insights regarding your case. These parties are essential for protecting your rights and strengthening your case.
We understand how important it is for you to secure compensation. Insurers have an obligation to pay out claims without obstructing the process. Our La Porte bad-faith insurance lawyers are passionate about fighting for your rights against selfish adjusters. If you are being denied your rightful settlement, call us today. At Lone Star Injury Attorneys, we are committed to protecting your rights.
Lone Star Injury Attorneys, PLLC
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