Corpus Christi Bad Faith Insurance Lawyer | Corpus Christi Insurance Litigation Attorney
Corpus Christi Insurance Claims Attorney
If you have been offered an unfair settlement or have had your claim denied by your insurance provider, you may feel helpless to do anything to fight back. a Corpus Christi bad faith insurance lawyer knows how to deal with these situations and can help make sure that you are not taken advantage of by your insurance company.
Corpus Christi bad faith insurance attorneys handle cases including:
- Insurance Litigation
- Disability Insurance
- Life Insurance Policies
- Fire Insurance Policy Litigation
- Health Insurance Policy Claims
- Automobile Insurance Claims
- Uninsured Motorist Claims
- Property and Casualty Insurance Coverage
- Homeowners Insurance Litigation
- Accidental Death Policies
- Bad Faith Insurance Claims
- Uninsured - Underinsured Coverage
What is Bad Faith Insurance?
There are a variety of ways in which an insurance subscriber can be mistreated by the insurance company with whom they hold a policy. A claim may be wrongfully rejected, the company may make unreasonably slow payment, the investigation may be improper, or the company may make only partial payment. When any of these things occurs, the insurance company has acted in bad faith. This is a nationwide phenomenon and happens to Corpus Christi, Texas, policy holders all the time.
The bottom line is that insurance companies are in the business of making money. Their goal is to accept premiums while paying out on as few claims as possible. Call a Corpus Christi bad faith insurance lawyer to help you fight back!
Corpus Christi, TX Bad Faith Insurance Lawyer
In Texas, an insurer has the responsibility to deal with its insured with a high standard of care. Insurance contracts imply a fiduciary duty flowing from the insurer to the insured. This means that the insurance company must treat the policyholder with a duty of care and loyalty by dealing fairly, honestly, and in good faith at all times. If the insurance company breaches its contract with the policyholder, the policyholder may have a cause of action, which, in Texas, is called “First Party Bad Faith Litigation.” If you are a Corpus Christi area policyholder and your insurance company has acted in bad faith with regard to your policy benefits, please do not hesitate to contact a Corpus Christi bad faith insurance lawyer or Nueces County bad faith insurance lawyer today to discuss your case.
There are many types of insurances sold by many different types of agencies and agents. Below are just some insurance agents in the Corpus Christi, Texas area:
Bjella Insurance 4925 Everhart Road 108 Corpus Christi, TX 78411 (361) 814-5900 |
Annaville Insurance Agency 14602 Compass Street Corpus Christi, TX 78418 (361) 949-6787 |
Farmers Insurance 2727 Morgan Avenue 300 Corpus Christi, TX 78405 (361) 881-1033 |
Alliance Insurance Agency, Inc. 13310 Leopard Street 4 Corpus Christi, TX 78410 (361) 241-3303 |
Farmers Insurance 5433 South Staples Street Corpus Christi, TX 78411 (361) 906-9400 |
Alba Insurance Agency, Inc. 5022 Holly Road Corpus Christi, TX 78411 (361) 854-6551 |
Farmers Insurance 7122 S Staples Street C Corpus Christi, TX 78413 (361) 991-1493 |
Tim Bundick 5346 Everhart Road Corpus Christi, TX 78411 (361) 993-9350 |
Geico Insurance Agent 6349 South Padre Island Drive Corpus Christi, TX 78412 (361) 992-4955 |
What Protections Does Texas Law Provide Against Abuses by Insurance Companies?
The Texas Insurance Code has the following laws for governing the behavior of insurance companies:
- 542.001. Short Title;
- 542.003. Unfair Claim Settlement Practices Prohibited;
- 542.004. Examination of Tax Returns Prohibited;
- 542.005. Record of Complaints;
- 542.006. Periodic Reporting Requirement;
- 542.007. Comparison of Certain Insurers to Minimum Standard of Performance; Investigation;
- 542.008. Complaints Against Insurers; Investigation;
- 542.009. Review of Investigation Results; Hearing;
- 542.010. Cease and Desist Order; Enforcement;
- 542.011. Time Limit to Appeal;
- 542.012. Attorney's Fees;
- 542.013. Personnel; and
- 542.014. Rules
Furthermore, the Texas Unfair Claim Settlement Practice Act provides a list of illegal settlement practices, such as:
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Knowingly misrepresenting pertinent facts or policy provisions relevant to the claim.
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Failure to respond to communications concerning the policyholder’s claim with reasonable promptness.
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Failure to implement reasonable standards for quickly investigating claims arising under one of its policies.
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Failure to make prompt and fair settlements in good faith when there is reasonable certainty regarding liability on a claim.
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Compelling subscribers to take legal action to recover benefits due to them under their policy by offering a settlement for substantially less than fair value of the claim, or than what would be recovered in a lawsuit.
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Failure to maintain accurate and complete records of all complaints over a period of three years since the date of last examination by the commissioner of insurance or last examination, whichever time period is shorter.
- Committing other actions, which the State Board of Insurance has defined, by regulations adopted pursuant to its rule-making authority, as unfair claim settlement practices.
For more information, contact a Corpus Christi insurance attorney. You may also wish to consult the Texas Insurance Code 542.001-542.302.
What Can a Corpus Christi, TX Bad Faith Insurance Lawyer Do For You?
As noted, Corpus Christi insurance attorneys who handle bad faith insurance cases represent policyholders in claims against insurance companies that have refused to pay a claim that the insurer may be legally obligated to pay, or have denied an insured’s claim without conducting a proper investigation. When the insurer acts in bad faith, then an Corpus Christi insurance lawyer can help you get the following legal remedies and damages:
- Money the insurance company owes you under the policy.
- “Extra contractual” damages or damages outside of and apart from the contract itself.
Corpus Christi insurance lawyers encounter bad faith insurer practices in the following areas:
- Disability Insurance
- Life Insurance Policies
- Health Insurance Policy Claims
- Auto Insurance Claims
- Property Damage Claims
Corpus Christi Insurance Unfair Practices Attorneys Serve
Clients throughout South Texas including Aqua Dulce, Bishop, Calallen, Corpus Christi, Doyle, Driscoll, Gregory, Ingleside, Ingleside on the Bay, Odem, Palo Alto, Petronila, Port Aransas, Portland, Rabb, Robstown, San Juan, San Pedro, Taft, Tierra Grande, Viola, Violet and other communities in Kieberg County, Nueces County, and San Patricio County.