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010203040506070809101112 01020304050607080910111213141516171819202122232425262728293031 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903

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010203040506070809101112 2023 2022 2021

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me spouse child relative friend

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Bay City Bad Faith Insurance Lawyer

Bay City 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 Bay City 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.

Bay City 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 Bay City, 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 Bay City bad faith insurance lawyer to help you fight back!

Bay City, 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 Bay City area policyholder and your insurance company has acted in bad faith with regard to your policy benefits, please do not hesitate to contact a Bay City bad faith insurance lawyer or Matagorda 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 Bay City, Texas area:

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:

1. Knowingly misrepresenting pertinent facts or policy provisions relevant to the claim.
    
2. Failure to respond to communications concerning the policyholder’s claim with reasonable promptness.
    
3. Failure to implement reasonable standards for quickly investigating claims arising under one of its policies.
    
4. Failure to make prompt and fair settlements in good faith when there is reasonable certainty regarding liability on a claim.
    
5. 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.
    
6. 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.
    
7. 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 Bay City insurance attorney. You may also wish to consult the Texas Insurance Code 542.001-542.302.

What Can a Bay City, TX Bad Faith Insurance Lawyer Do For You?

As noted, Bay City 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 a Bay City insurance lawyer can help you get the following legal remedies and damages:

1. Money the insurance company owes you under the policy.
2. “Extra contractual” damages or damages outside of and apart from the contract itself.

Bay City insurance lawyers encounter bad faith insurer practices in the following areas:

1. Disability Insurance
2. Life Insurance Policies
3. Health Insurance Policy Claims
4. Auto Insurance Claims
5. Property Damage Claims

Bay City Insurance Unfair Practices Attorneys Serve

Clients throughout Southeastern Texas, including Allenhurst, Alvin, Angleton, Bay City, Blessing, Boling - Lago, Caney, Cedar Lane, Clemville, Clute, Danbury, Edna, El Campo, Elmaton, Freeport, Ganado, Lamar, Lake Jackson, Long Mott, Louise, Markham, Matagorda, Midfield, Mission Bend, Missouri City, Needville, Newgulf, Palacios, Pecan Grove, Port Lavaca, Refugio, Richmond, Rockport, Rosenberg, Sargent, Stafford, Sugar Land, Surfside Beach, Sweeny, Tidehaven, Van Vleck, Wadsworth, Weedhaven, West Columbia, Wharton and other communities in Matagorda County.