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Industrial
Strength Representation
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Texas
Bad
Faith Insurance Lawyers
We
represent clients in Texas and, with qualified co-counsel, clients
across the United States who have suffered from unfair, bad-faith
insurance practices. We fight insurance companies due to wrongful
refusal to pay, bad faith denial, unfair settlements, wrongful payments
to beneficiaries, fraud and unfair insurance practices. This includes
homeowner's policies, business insurance, title insurance, health
insurance and life insurance cases. Feel free to call our office at
(214)
696-0021 (click to call) or contact us
for a free consultation. Also, you can visit our web
log for more frequently asked questions about bad faith
insurance practices.
Here are some common insurance issues that we address in our office:
"My insurance company
wrongfully denied my claim"
An
insurance policy is a contract between you and your insurance
company. If you make a claim under your policy, Texas law
requires that your insurance company acts "reasonably" and in "good
faith" when determining whether or not to pay benefits under
a
policy. If an insurance company fails to act reasonably, it has
violated Texas law and you may be entitled to damages.
An
insurance company owes a fiduciary duty to its insureds. This means
that the insurance company may not put its own interest above that of
an Insured. Texas law requires that insurance companies act
fairly when dealing with their insured.
Not all denials
are done in bad faith, however. If an insurance company has a good
reason to deny a claim, then it has acted in good faith. Some examples
are: the insured failed to cooperate with insurance company, a policy
lapsed, a loss is not covered by the policy or there is fraud. In cases
such as these, an insurance company can deny a claim.
What
you need to do if you feel that the insurance company wrongfully denied
your claim: If you feel your claim was wrongfully denied, you will need
to act quickly, as policies will generally have a short period for
appeals. There are also relatively short time limits in which you can
sue. It is very important that you READ YOUR POLICY to ensure that you
have complied with all of their prerequisites. If you are still being
denied, you will need to assemble all of your written materials. This
includes your policy, your claim form and any letters between the two
of you. Second, you will need to document every phone call, with time,
date and the person with whom you spoke. Third, you will need to make a
time line of events that lead up to this point. Fourth, you will need
to take these materials to an attorney for review as soon as
possible. Feel
free
to call our office at (214)
696-0021 (click to call) or contact us for a free
consultation.
"My insurance company keeps
giving me the run
around"
Insurance companies have a
duty to promptly
determine coverage and if appropriate, pay claims.
What
you need to do if the insurance company gives you the run around: One
thing to remember when dealing with an insurance company--GET IT IN
WRITING. If you speak with an adjuster, write down the adjuster's name,
contact information, date and time of your call and take detailed notes
regarding the conversation. Also, follow up any conversation with a
letter and keep a copy. Make sure to keep copies of all correspondence
both ways. You never know when there will be a problem with a
claim so it's a good idea to properly document all communications with
the insurance company from the beginning. If you have already started
communicating with the insurance company, then start making your list
of conversations now. Once you have complied this information, call
our office at (214)
696-0021 (click to call) or
contact
us
for a free
consultation.
"My insurance company made an
unreasonably low
offer on my case"
You
have the right to recover the full value for your loss. If the
insurance company's offer is a reasonable one, then they have not
committed bad faith. If the offer is unreasonably low, or you can show
that the insurance company is purposefully taking advantage of your
situation, then there may be a case for bad faith.
What
you need to do if you feel that the insurance company has made an
unreasonably low offer on your claim: Provide the insurance company
with as much evidence as you can to support your evaluation of the
claim. This could be receipts, photos of property damage, comparable
sales of similar items and the like. If the insurance is still
unwilling to act reasonably, then you may wish to contact an attorney.
Feel free to call our office at (214)
696-0021 (click to call) or
contact
us
for a free
consultation.
"I can't afford to hire a
lawyer to sue my
insurance company"
You
can have your case evaluated by a lawyer for free. In many
cases,
we can accept a case on a contingent fee basis. This means that you pay
no legal fees unless we collect for you. Feel free to call our office
at (214)
696-0021 (click to call) or
contact
us
for a free
consultation.
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Cases may be worked on jointly or referred. Even if you do not see your
specific issue listed here, please feel free to call our law firm. One
of our attorneys may still be able to help, or send you to a lawyer
referral service. For more information call us at (214)
696-0021 (click to call) or email . (Be sure to read
our disclaimer
first.) Also,
you can visit our web log for more frequently asked
questions about bad faith insurance practices.
Click here to
return to our home page for a list of legal practice areas
Click here to
contact our law firm in Dallas, Texas
Click
here to visit our blog for more frquently asked questions about
insurance law.
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Copyright
(c) 2008, David L. Leon, P.C., Dallas Business Attorneys.
The Texas lawyer responsible for this site is David L. Leon.
Primary office in Dallas, Texas.
Matters may be worked on jointly or
referred. Please our disclaimer
before
contacting our firm.
Contact with our firm alone does not create an attorney client
relationship.
Not specialized by the Texas Board of Legal Specialization.
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