           
Tom Crosley
Texas Super Lawyers 2007
Texas Super Lawyers 2006
Texas Super Lawyers 2004
Texas Rising Stars 2004
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Legal
Representation of the Highest Caliber for
Seriously Injured People
and Their Families
Insurance Claims
When dealing with insurance
claim disputes, it is
important to remember that
insurance providers benefit
by minimizing your
claim. Insurance companies
can violate the principles
governing insurance laws and
regulations, wrongfully deny
your claim, delay in making
a decision or in paying a
claim, or require
unreasonable actions or
documentation on your part
to prove a claim.
Often, insurance companies
deny legitimate claims by
saying that the condition is
not covered, was
pre-existing, or that you're
not really disabled at all.
In many cases, they deny the
claim in hopes that you will
be discouraged enough to
drop the matter. Even if
you’ve been told that their
decision is final, and that
the case is closed, you have
rights and options.
If an insurance company
refuses to pay a legitimate
claim, you have a right to
sue your insurance company
to force them to honor the
terms of the policy they
sold you. An insurance
company has a duty to deal
fairly with its customers,
giving more consideration to
its insured customers than
to its own interest.
Whenever your insurance
company fails to honor its
obligations in its contract
with you, you may have a
claim for bad faith.
Insurers act in bad faith
when they engage in the
following kinds of
practices:
-
Failing to investigate a
claim in a timely and
thorough manner
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Delaying payment of benefits
for an unreasonable time
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Refusing to settle the when
liability and damages have
become clear
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Failing to handle a claim in
“good faith”
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Denial of coverage on an
active policy
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Terminating coverage without
notifying policyholder
-
Refusing to extend a policy
without notifying the policy
holder
Examples of bad faith can
include all kinds of
insurance, from health and
dental to automobile and
homeowners.
If a
policyholder can
successfully show that an
insurer breached the
covenant of good faith and
fair dealing, the insured
can recover all damages
caused by the breach. This
includes general damages,
loss of use of the insurance
proceeds, attorney’s fees,
and, in cases of egregious
and outrageous misconduct,
punitive damages.
If
you or someone you know have
an insurance claim involving
significant injury or
damage, call The Crosley Law
Firm, P.C. at (210)
354-4500, complete the
contact form or
e-mail us
for a no cost, no obligation
consultation. We know how
to deal with insurance
companies. And we are
committed to achieving the
best possible result for our
clients.
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Insurance Claim
Information
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