Texas, Insurance Law Attorneys
From homeowners and auto insurance to health and accidental death insurance, the value of any insurance policy depends on the coverage it provides. If your insurance company is refusing to pay your claim or denying you have the coverage you paid for, contact our lawyers to discuss your rights and options.
Understanding Your Insurance Coverage
Insurance policies — and most other documents related to insurance coverage — are difficult to read and understand. Many people assume that one insurance policy is essentially the same as the next. In fact, the days of "standard" insurance policies are long gone, and it is more important than ever to understand your insurance coverage and receive clear answers to questions like:
- Does it protect me against the range of adverse events that can occur?
- What kinds of benefits does my policy provide?
- What are the limits on what my insurance will pay?
- What types of claims are excluded from my coverage?
Common Problems: Claim Denials and Refusal to Defend You in Litigation
Three of the most serious problems you might encounter with insurance coverage are:
- Denial or delay of your claim
- Your insurance company denies your claim, arguing that your policy was cancelled before storm damage or another adverse event took place — or that coverage was rescinded because of some act of misrepresentation by you
- Your insurance company refuses to defend you in a lawsuit, claiming that you do not have liability coverage
Protecting Your Rights and Financial Interests
For example, if you cause a motor vehicle accident, you expect your auto liability insurance to pay for repairs to the other vehicle. You also expect the insurer to pay for injuries to other drivers and passengers — up to the limits of your coverage. If your insurer decides not to pay, you could be personally liable for thousands or even millions of dollars in damages. You could even be forced to pay for your own defense in a lawsuit against you where very significant monetary damages are sought.
Paying for adequate homeowners, business, life, or other insurance coverage is not enough if you become a victim of insurance claim denial or bad faith.
At the Law Office of Mark A. Ticer, our mission is to protect people from financial ruin with aggressive representation when an insurance company does not uphold its obligation to step up and protect the insured from liability. If your insurance company is denying that you have coverage, contact us for a free consultation to discuss your legal options.
