Insurance Claim Disputes
Many states, including Texas, have laws on the books that create a specific schedule for insurance providers to follow after insured parties make claims. Unfortunately, some insurance companies fail to act in accordance with this timeline for covered claims. Prompt Pay statues exist to ensure the insurance provider does not…
Life insurance companies are making it awfully easy to obtain a policy. Though most of these companies sincerely desire to help the family members of those who pass away, some are willing to extend a policy to simply make a profit. If you are interested in purchasing life insurance, you…
Insurance providers have a duty of good faith and fair dealing to their policyholders. In plain English, this phrase means insurance companies have the duty to acknowledge customer claims in a prompt manner, to investigate the claim in a fair manner, and if money is owed on a claim, the…
Having an insurance claim denied can be a difficult and confusing situation. If your insurance company has denied your claim based on credible proof, you likely don’t have much recourse. However, if you have carefully examined your insurance information and believe the insurance company denied your claim wrongly, then you likely have a…
Almost everyone who owns a life insurance policy has the power to change the policy beneficiaries whenever desired. Furthermore, there is usually no need to notify the current beneficiary, nor is there any requirement for the current beneficiary to provide consent. The only exception is if the current beneficiary is…
What is Accidental Death Insurance? Accidental death and dismemberment insurance, AD&D for short, may pay benefits when an accident causes: Death. Loss of limbs or fingers. Loss of speech, eyesight or hearing. Prolonged coma. Paralysis. There may be other conditions which will allow you to collect benefits, depending on your…
An Attorney Will Help You Understand the Nuances of Your Life Insurance Policy Life insurance policies are intentionally complex legal documents. The purpose of crafting such a detailed document is to create opportunities for the life insurance company to deny claims. Our attorneys are can analyze the policy language, file…
Life insurance companies will go to great lengths to delay or deny claim payments. Though these companies seem altruistic enough when life insurance policies are advertised, they exist for one reason: to make a profit. If life insurance companies pay all claims in full and on time, it cuts into…
For many homeowners devastated with flooding in Houston, the other shoe will drop if they don’t have a specific flood insurance policy, because standard homeowners insurance doesn’t cover this kind of event. Those who have never read their standard homeowners policy may be in for the shock of their lives….
Texas Farm Bureau lobbied the Texas Department of Insurance to take away a customer’s right to sue their insurance company – they have since dropped their proposal. Insurance companies are in the business of collecting premiums and then paying claims only when they must. The less an insurance company pays…
