Insurance companies have a duty of care towards their policyholders and are expected to act in good faith by compensating them when an accident occurs. However, in many cases, insurance companies fail to meet this expectation, resulting in policyholders receiving a much lower compensation for their claim, receiving no compensation at all, or not receiving a response to their claim in a timely manner. These incidents are often referred to as acting in bad faith. If you believe that your insurance company, through their adjuster or representative, has breached their duty or interfered with your lawful pursuit of your insurance claim, you should immediately contact our experienced Sugar Land bad faith insurance lawyers.
It is expected that your insurer’s adjuster will provide you with compelling reasons for the award of your compensation, citing the reasons and aspects used to evaluate the worth of your claim. This report should be comprehensive and transparent, leaving no trace of foul play or dishonesty. Before contacting our bad faith insurance attorneys in Sugar Land, you should first consider engaging in talks with both parties to evaluate whether the figures were a result of a simple error or intentional, reckless, or negligent abuse of your rights. If you believe that the insurance company is improperly delaying your claim or hiding the truth, it is advisable to hire an attorney in Sugar Land.
A victim of bad faith insurance has the ability to file and litigate a lawsuit against their insurance company on their own, as the law allows them to do so. However, the defense counsel may take advantage of your unfamiliarity with the law, given that you have no prior experience in these types of claims. Seeking legal help from experienced and dedicated bad faith attorneys in Sugar Land will serve in your best interests and likely lead to a better outcome. Furthermore, having a legal team by your side when seeking justice adds weight to your case, and by contacting an attorney, you are assured of being addressed with the seriousness you deserve.
Insurance companies have the resources to overload you with burdensome legal paperwork. They have much more expertise, a legal team, and negotiating ability than their policyholders. The courts are aware of this and often encourage both parties to reach an out-of-court settlement. Such instances normally take place when the judge believes that both parties can reach an amicable solution and the case is unfit for trial.
Basic laws dictate that an insurer owes the policyholders the duty of good faith, and in case they violate this law, the insured must prove the following elements when seeking compensation for damages incurred:
If you are unable to prove that you had an applicable policy with the insurance company, you cannot establish liability. Therefore, you must also demonstrate that the insurer denied or unfairly delayed your claim, resulting in the denial of rightful benefits in your policy. The process of preparing and presenting evidence before the jury can take a toll on you emotionally and financially, and in the end, you may forget to include critical documents. Hiring a bad faith insurance lawyer in Sugar Land can save you the significant effort and upfront costs associated with collecting all the necessary paperwork.
This is where the services of a bad faith insurance lawyer are essential. Proving that someone has denied you what is legally yours is not just a matter of saying it but demonstrating it. To do so, you need professionalism in articulating your issues, particularly when it comes to demonstrating the mental state of the insurance representative (negligent, reckless, or intentional). Here, your Sugar Land bad faith insurance lawyer will demonstrate that the defendant violated your rights as a policyholder by failing to pay your dues on time or by not conducting proper investigations to lower the amount offered. Moreover, your attorney will present any evidence demonstrating that the insurance agent acted with intent or recklessness in denying your claim, while the insurance company will argue that it was a clerical error or simple mistake.
If you have a bad faith insurance claim against your insurer, our attorneys can assist you by evaluating your claim and compelling the insurance company to act in good faith and pay you the compensation you are entitled to. In addition to your regular insurance claim, you may also have the right to claim further statutory damages. It is important to note that bad faith insurance claims do not only involve a failure to pay, but also the improper evaluation of the amount of compensation you receive due to inadequate investigations.
At our law firm, we understand the devastating impact a bad faith insurance lawsuit can have on your life. Therefore, we are dedicated to ensuring that you receive the maximum compensation for the harm you have suffered. Our experienced Sugar Land bad faith insurance lawyers will work tirelessly to gather and present strong evidence proving that your insurance company has acted in bad faith, violating the Texas laws that regulate insurance policies. Call today.
By: Benjamin E.
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