Many policyholders that faithfully pay their premiums for years justifiably are upset and distressed when their insurance company fails to fulfill its obligations to handle and pay the claim. Policyholders have a right to be disillusioned when their insurers fail to live up to their contractual promise to repair wind damage to their home, to defend against a lawsuit after an auto accident, or to pay an uninsured motorist (UM) claim. This type of failure is even more disturbing because insurance companies offer nothing more for the premiums they collect than a promise to provide financial security when disaster strikes.
Understanding the Unfair and Bad Faith Practice of Insurance Companies
Fort Worth insurance claims attorneys at FH Law Group have extensive knowledge of the practices and tactics insurers use to disregard their contractual obligations to their insureds. Our law firm represents clients dealing with frivolous denial letters, tactics to delay, and low-ball settlement offers. Insurers have a duty to give reasonable answers and to provide status updates regarding your claim. Insurance companies frequently disregard these duties by engaging in a “war of attrition” aimed at drawing out the claims process with frivolous and redundant requests for information. Insurers know that many policyholders will buckle under the financial pressure while a claim is pending and accept a grossly inadequate settlement. At our Tarrant County insurance claims law firm, we anticipate the types of sharp practices used by insurance carriers to deny or lowball legitimate claims.
If your insurance carrier utilizes bad faith practices in investigating, adjusting, or paying your claim in a timely manner, you might have a right to damages beyond mere payment of your claim. Our law firm has assisted many policyholders in obtaining payment of their claim and other compensation for bad faith practices. Whether we negotiate the settlement of your claim or pursue a lawsuit based on bad faith, we strive to obtain the maximum compensation for policyholders.
Duties Insurers Owe Their Insured
Our Fort Worth insurance bad faith attorneys take on large insurance companies that refuse to comply with their contractual duties to insurers. Examples of denials of claims that we handle include:
- Failure to cover homeowners claims for damage by a covered peril
- Refusing to provide a defense to lawsuits under liability policies
- Denials of fire damage claims
- Nonpayment of UM/UIM claims and other 1st party claims
- Frivolous denial or underpayment of roof damage claims
- Lowballing auto insurance full coverage claims (including losses related to diminished value)
- Unjustified denials of health insurance coverage claim
- Failing to pay long-term disability claims
While insurance policies obligate insurers to offer financial protection from losses, the insurance industry did not become a billion dollar segment of the U.S. economy by promptly and fully paying all valid claims. When a policyholder is informed that an insurer intends to deny a claim, the insured should request that the language being relied on to justify denial or underpayment be specifically referenced in writing. This request is important because the insurance carrier is placed in a position of needing to defend the justification they offer if litigation ensues over nonpayment or underpayment of the claim. When filing a claim, detailed records should be kept regarding all communications with the insurance company, including the following information:
- Time and date of the call
- Person you spoke with
- Summary of information discussed
Protecting Policyholders from Unjustified Denial of Insurance Claims
Fort Worth insurance claims attorneys at FH Law Group invite you to contact us if you are struggling to obtain fair treatment from your carrier for a 1st party claim (against your own insurer) or a 3rd party claim against another party’s insurer. We understand the aggravation and financial challenges of dealing with an insurance company that fails to provide promised benefits or to respond to reasonable requests for communication or updates. Our law firm is committed to providing the highest quality legal services. Contact us today for a FREE consultation at (817) 697-4400 or visit our website.
The Fulgham Hampton Law Group legal team of injury lawyers provides you with skilled litigators that have tried over 100 jury trials in Texas with expertise in matters ranging from car accident cases, complex cases with insurance companies and skilled settlement negotiations. Our injury lawyers are here to help you navigate the complex legal system and make important decisions to ensure you are fairly compensated for your injuries.
Our legal team of personal injury lawyers has over 45+ years of experience and over 100 jury trials in Texas. Our personal injury attorneys have a stellar reputation for dealing with insurance companies, negotiating favorable settlements with insurance companies, providing a thorough and prompt investigation and fighting to make sure you receive all the compensation your entitled to under the law.
We Get Results
Once you entrust us with your case, we commit to you and your cause and work tirelessly to get you the compensation you deserve. Because we limit the number of cases we accept, our injury attorneys and staff are able to focus on your case and commit the time and resources necessary to achieve the best possible result. We promise you that your case will be handled with compassion and the personal attention and detail you deserve!
Working with this firm was the right decision. From start to finish, everyone knew me by name, treated me respectfully, and gave my case the required attention. Communication was clear and responses were prompt. Not to mention a great outcome. Definitely recommend.Todd S.
The best car accident lawyers you could possibly find in fort worth! They really take care of you and make sure you get the best settlement you could hope for. You will not be disappointed if you work with these people. Super nice and they really care about your situation! Thank you!Kate H.
Excellent customer service throughout the entire process. I would highly recommend this firm. Although ALL of the interactions with the office staff were amazing, hopefully you will get the pleasure of working with Rachel. She was so helpful, kind and professional.Wendi S.
Professional, responsive and helpful. contacted Jeff's on the referral of a friend and not only has every contact with the office been prompt and courteous thanks to Trish and Rachel, Jeff has been a great help. He patiently listened to my explanations and asked me questions to better understand my need, things other attorneys have not done prior to him. He got me answers to issues I had approached me with.Obiora E.
Absolutely delivered exactly what Jeff said he would case dismissed anything you need I highly recommend them thank you again guys so much ????????????????????Jethro T.