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Get McAllen Bad Faith Insurance Claim and Litigation Assistance

Your Insurance Made a Promise. Now They Should Pay What They Owe.

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.  A McAllen insurance lawyer can help you determine what you may be owed and how to get paid for valid claims.

The Risk of Bad Faith Insurance Claim Denial

When insurers attempt to wrongly deny, delay, or underpay your claim for insurance coverage, that is known as bad faith insurance. The bad faith insurance 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.

The Truth About Your Insurance Company

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 rather than fair dealing.

Tactics Your Insurance Company Can Use Against You

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.

The Basics of Insurance Bad Faith

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.

In short, bad faith insurance is anything that qualifies as a “yes” to the following question:

Has your insurance company wrongly denied, unnecessarily delayed, or underpaid your claim?

Bad Faith Insurance Tactics You Should Be Aware Of

  • • Delaying the claims process by requesting unnecessary paperwork
  • • Retroactively canceling your insurance policy
  • • Receiving monthly premiums but never notifying you of a canceled policy until after a claim is made
  • • Insurance adjusters ineffectively investigating a claim
  • • Claiming a policy does not cover a liability when it does
  • • Initially overstating a policy when it does not, in fact, provide the coverage claimed
  • • Misleading questions on an insurance claim form
  • • Denying a claim without giving a valid reason, if any, why it was denied
  • • Refusing to make a fair settlement offer

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.

Texas Insurance Laws and Regulations

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. Your insurance company has 35 days from when you file your claim in which to respond.

Here in Texas, the Texas Insurance Code lays out 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. If your insurance company wrongfully denied your insurance claim, you can make a legal claim for coverage.

Getting Started: Filing a State Insurance Complaint

It will be your responsibility as a policyholder to prove that your insurance company acted illegitimately and that its actions were purposeful. If your insurance company is acting in bad faith, the first thing you’ll want to do is go to file a complaint with the Texas Department of Insurance (TDI) so that your claim is on record and an investigation is initiated. The TDI may be able to prompt your insurance company into cooperating. A bad faith insurance law firm can help you with the complaint process.

Making a Case: Documenting the Process

As you communicate with your insurer during the claims process, maintain quality records of all of your communication with 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. All of this documentation will be important in supporting your bad faith insurance lawsuit.

health insurance claim form

Millin & Millin, Trusted McAllen Bad Faith Attorneys With a Proven Record of Success

If your complaint with the TDI isn’t successful, you can count on aggressive representation from the bad faith insurance lawyers of Millin & Millin. 


If your insurance bad faith claim leads to litigation, your insurance agency will be relying on 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 McAllen bad faith litigators have the technical understanding and extensive experience needed to help level the playing field with your insurance provider.

The lawyers of Millin & Millin have over 15 years of experience representing clients in bad faith insurance claims and have secured tens of millions of dollars in unpaid benefits.

Fighting for the McAllen Bad Faith Insurance Compensation You May Be Owed

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:

  • • Statutory damages
  • • Statutory interest from the time the claim was denied
  • • Attorney fees
  • • Emotional distress
  • • Economic damages
  • • Medical expenses
  • • Lost wages
  • • Punitive damages
  • • Property damage
bad faith insurance attorneys

If you feel your insurance company has wrongfully denied payment, reach out to the bad faith insurance attorneys at Millin & Millin for a FREE consultation.