Insurance Claims Lawyers in Houston, TX
As Houston’s bad faith insurance claims lawyers, we understand how difficult it can be to file an accident claim for personal injuries. An accident on its own is an extremely stressful situation. The pressure only mounts as you deal with a claim adjuster, the insurance claims process, your injuries, your bills, and your property damage. When you file an insurance claim, you expect your insurance company to be fair.
Insurance companies often put out ads claiming they care, and some do. However, predatory insurance agencies try to take advantage of people in vulnerable situations to maintain their own profit. When forced to deal with a difficult insurance company after an accident, you don’t have time or energy for denied claims or unfair settlements.
When you hire a Houston bad faith insurance claims attorney, you immediately send these predatory companies a message. With an insurance lawyer on your side, you have an advocate ready to fight for your rights. At The Cobos Law Firm, our legal team has years of experience handling insurance claims and defending people from the predatory behaviors of insurance companies.
When you find yourself at your most vulnerable, you need an advocate who won’t back down. Contact our Houston bad faith insurance claims law firm today for a free consultation. See how Andrew Cobos and his team will fight for you.
Insurance Claims We Handle
When you pursue an insurance claim lawsuit, our lawyers take the case directly to the insurance company. For example, when you experience a car accident and your insurance company refuses to negotiate in good faith, your Houston bad faith insurance claim attorney will seek to hold their insurance company accountable. Houston personal injury law firms like ours have extensive experience dealing with insurance companies. This means we are familiar with the complex processes they have in place.
- Car accidents
- Truck accidents
- Health insurance claims
- Medical treatment issues
- And more
Working with insurance claims lawyers allows you to reach a fair settlement so that you can move on with your life. Moreover, our legal team fights to ensure that you have what you need to live a fulfilling life.
Oftentimes, people expect an insurance company to comply when they present a valid claim. Unfortunately, insurance companies can be quite stubborn and difficult when fulfilling claims. The less they pay you, the more money they can distribute to their shareholders. It is important to remember that insurance companies seek a profit first and foremost. When they deny you claim, it preserves their profit.
Can I Sue My Own Insurance Company?
Yes. There are many reasons that people pursue lawsuits against their own insurance company. In fact, many individuals do not realize how common an occurrence this actually is. For this reason, it is important to understand the legal relationship between an individual and their insurance company.
An insurance policy is a contract in which you pay money in exchange for a promise that the insurance company will pay an amount of money if a specified situation occurs. When a loss occurs due to a covered event, the insurance company is supposed to protect you against losses, liability, or damages.
This means a contractual and legal relationship exists between you and your insurance company. You agree to continually pay your premium, and the company agrees to protect you whenever a covered event occurs.
Oftentimes, lawsuits come about when the insurance company fails to protect the insured person from a covered event. But there are other ways in which they do not fulfill their end of the contract. For instance, they might wrongfully deny or underpay an insurance claim. When this happens, Houston insurance claims lawyers fight to help you pursue the damages you require.
Do I Need to Hire Houston Insurance Claims Lawyers?
When you file a lawsuit in the United States, there is no requirement to hire an attorney. However, it is in your best interest to work with an experienced personal injury lawyer or insurance law attorney. As your advocate, they ensure the company takes your claim seriously. Moreover, they provide legal advice and help to ensure you receive the best outcome possible in your situation.
Furthermore, insurance laws are often complex and difficult to understand, thus making them hard to follow. At The Cobos Law Firm, we understand how crucial this knowledge is. Moreover, we know how to handle claims effectively and efficiently and how to access evidence necessary to win your lawsuit. When you hire our Houston insurance claims lawyers, we negotiate on your behalf. If the insurance company continues to act in bad faith, we file a lawsuit and represent you in court.
How Do Houston Insurance Claims Lawyers Prepare for a Lawsuit?
Before filing a lawsuit, our lawyers work with you to gather all the necessary documents and to understand the specific ways that you have been harmed. When an insurance company denies your claim or fails to pay, filing a lawsuit with a Houston insurance claims attorney requires a brief investigation. Here are a few things helpful in pursuing a lawsuit against an insurance company.
- A full copy of the insurance policy; and
- Written denial of your claim and detailed reasons from the company
Without an experienced personal injury claims attorney, this process is long and difficult. Likely, the insurance company will seek to delay payments when they have grounds to deny your claim. However, the law requires insurance companies to pay out claims in a timely manner. Because federal law holds the companies to an “implied covenant of good faith and fair dealing,” it is important to ensure you properly file your claim before pursuing a lawsuit.
When insurance companies breach this covenant, you have the option to recover actual damages and potentially punitive damages. Schedule a free case evaluation with our Houston bad faith insurance law firm today. Let us help you find your next steps.
Houston Insurance Claims Lawyers Who FIGHT
When you take on a large company, it is common to feel helpless. However, you should remember that the law is on your side. Federal and State law holds insurance companies to a standard of fair dealing, and this entitles you to full compensation from liable parties.
With an experienced insurance claims attorney on your side, you can stand up against predatory companies. You deserve to have your claim taken seriously, and our legal team has the strategic mindset needed to go head-to-head with insurers. At our Houston personal injury law firm, we fight for our clients so that they receive damages companies owe them.
We have the knowledge required to fight major insurance companies across Texas. When you believe that an insurance company mishandled your claim, contact our office for a free consultation. It is important that you protect your rights and know your options, so that you never settle for less than what is fair.