People, businesses, and organizations purchase insurance on the premise of a simple promise. That promise is that their insurer will provide them coverage, security, and protection when they need it most.
Despite the insurance industry’s message that we are in “good hands”, the unfortunate reality is that these companies want to pay you as little as possible—or nothing at all—if they can get away with it.
When insurance companies attempt to wrongly deny, delay or underpay your claim it is known as “bad faith insurance”. The lawyers at Millin & Millin have the experience and knowledge to help you deal with insurance bad faith. Let us get you the justice and compensation you deserve.
Whether they have malicious intent or not, the fact is that insurance companies are not on your side. The insurance industry is a business, first, foremost, and finally. Raising and retaining profits for owners and shareholders is their ultimate goal. Sometimes companies will use bad faith insurance tactics to reach that goal.
You might assume that paying premiums in full and on time would guarantee timely support from your insurer, but that’s not always the case. Along with investigating claims and denying invalid claims, your insurer can withhold paying claims until a proper investigation has been completed, within a time dictated by state statutes.
There are insurance laws in place to help regulate how companies handle insurance claims and to help prevent insurance bad faith violations. While an insurer may have a legitimate reason for denying a claim, bad faith insurance denials occur whenever a company acts outside of these laws during the process.
Insurance companies are required by law to act in good faith and deal fairly with the people and businesses that they insure. If you believe that your insurer has handled your claim with “bad faith” practices, you may have a legitimate claim to seek legal action.
State statutes require that an insurance company respond to your claim within a certain time limit. Failure to do so constitutes a violation of state law and grounds for legal action.
Here in Texas, the Texas Insurance Code provides provisions on how insurance carriers must treat first-party claims. Other states have similar systems of regulation in place to protect policyholders. Additionally, bad faith claims function on the assumption that the individual is at a disadvantage relative to the insurer.
It is the responsibility of the plaintiff to prove that the insurance company acted illegitimately and that the insurer did it purposefully. If your insurance company isn’t cooperating, the first thing you’ll want to do is go to the Texas Department of Insurance website for the proper forms to submit a complaint in writing and to ensure your claim is on record.
As you communicate with your insurer during the claims process, maintain quality records of all communication between you and the insurance company’s representatives. This includes recording phone calls and taking effective notes that outline the day, time, and key points in any conversation. You should also request copies of any and all documentation that they have created for your files.
If there is no resolution to your insurance bad faith complaint, you can count on nothing short of aggressive representation from the lawyers of Millin & Millin.
Should your insurance bad faith claim lead to litigation, your insurance agency is going to have a team of lawyers to dispute the charges. That’s why you’ll need the comprehensive and peerless representation the attorneys at Millin & Millin provide. Our bad faith litigators have the technical understanding and experience to help level the playing field with your insurance provider.
Our attorneys have successfully represented clients against all the major insurance companies in claims dealing with home, life, auto, and property insurance. With Millin & Millin representing you, you can count on unmatched efficiency and swiftness in achieving results. If your insurance claim was denied in bad faith, you may be eligible for the following types of compensation:
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