If you’ve been in a car accident, slipped and fallen, or suffered injuries in another type of accident in Fort Worth, insurance will be your primary source of compensation. You deserve to have the insurance company consider your claim in good faith. If it’s denied without a good reason or if they try to manipulate or delay the claims process, call Anderson Injury Lawyers. Our Fort Worth bad faith insurance lawyers can help you hold the insurer accountable and fight to recover the compensation you need and deserve.
Since 2007, Anderson Injury Lawyers has been a dedicated advocate for injury victims, leading clients to over $100,000,000 in settlements and judgments. When insurance companies try to act like they’re above the law, our award-winning Texas trial attorneys fight tirelessly to make sure that our client’s rights are respected.
How Anderson Injury Lawyers Can Help If You’ve Been the Victim of Bad Faith Insurance Practices in Fort Worth, TX
Insurance companies have considerable resources at their disposal. They’re well-represented by teams of insurance adjusters and defense attorneys. They’re also big businesses that prioritize profits above all. In some cases, an insurance company might engage in underhanded and deceitful practices to avoid paying claims to deserving injury victims like you.
Proving bad faith and successfully recovering compensation can be a challenge, which is why our Fort Worth personal injury lawyers should be your first call for help.
At Anderson Injury Lawyers, we have extensive experience dealing with unscrupulous insurance companies in Texas and are well aware of the tactics and strategies they might employ.
When you call us for help, we’ll take decisive action to:
- Review the specific circumstances surrounding your claim for insurance benefits
- Identify potential acts of bad faith and ways in which your insurance claim has been mishandled
- Contact the insurance company and attempt to force them to correct their unlawful actions
- File a lawsuit to hold them legally responsible for their bad faith actions in court
You don’t have to worry about the upfront cost of hiring an attorney when you call our law firm for help. We work on a contingency fee basis, so our fee is tied directly to your financial recovery. You pay nothing unless we win your bad faith insurance claim.
Contact our Fort Worth, TX, law office to learn more. We’re always standing by to take your call – 24/7/365.
What Is Bad Faith Insurance?
An insurance policy is a contract between a policyholder and an insurance carrier. When you buy a policy, you agree to pay premiums in exchange for benefits. As long as the cause of the accident falls within the scope of coverage, the insurance company has a contractual obligation to act in good faith and hold up its end of the bargain.
In fact, insurance company conduct is regulated by Texas state law.
Among other things, Section 541.060 of the Texas Insurance Code provides that insurance companies must:
- Consider a claim for benefits in a timely manner
- Conduct a reasonable investigation into the claim
- Represent information in an insurance coverage accurately, and
- Provide a reasonable explanation for a denial or delays in the claims process
Failure to comply with these (and other) requirements – and generally mishandling a claim – can be considered bad faith practices.
Common Examples of Bad Faith Insurance Practices
Why do insurance companies act in bad faith when considering a legitimate claim?
- Hope that you’ll walk away without putting up a fight when they deny your claim for benefits
- Accept a lowball settlement offer because you need the money so badly
- Give up and accept way less money than you deserve (or walk away with nothing) because the claims process is taking so long
Some insurance companies want you to trust them because they know that they can manipulate you and exploit that trust.
Some common bad faith tactics to be on the lookout for include:
- Failing to acknowledge they’ve received a claim and demand letter
- Intentionally delaying the claims process
- Delaying or denying requests for medical treatment
- Failing to conduct a prompt and reasonable investigation into a claim
- Rejecting a claim without providing a reasonable and valid reason
- Misrepresenting the terms of an insurance policy and available benefits
- Concealing important information about an insurance claim
- Offering less money than an insurance claim is worth
- Coercing a claimant into accepting a low settlement offer
- Threatening a claimant
- Failing to communicate with a claimant
- Making unreasonable demands related to the claim – including those for documents or information
- Failing to issue payment within a reasonable timeframe
Bad faith practices don’t have to be hostile or aggressive. In fact, they’re often hidden in plain sight. They’re made to seem so normal and appropriate that claimants aren’t alarmed or tipped off that their rights are being violated.
If you suspect that your claim has been mishandled in any way, don’t hesitate to contact Anderson Injury Lawyers. Our bad faith attorneys in Fort Worth, TX, can review the specific details of your case and determine if it’s been handled in bad faith.
Are All Insurance Claim Denials Made in Bad Faith?
No. Insurance companies may have legitimate reasons for denying a claim for benefits or extending the claims process.
Some legitimate reasons for denying a claim or delaying the claims process might include:
- The insurance policy under which benefits are sought is invalid due to unpaid premiums
- The type of accident, injury, or damage is not covered under the terms of the insurance policy
- The claim was not submitted within the applicable statute of limitations
- The insurance company needs additional time to investigate the claim
- A party has made a material misrepresentation of the facts
- Liability for the claim is contested or unclear
- The person seeking benefits under the insurance policy was not covered
However, don’t just assume that an insurance company has a legitimate reason to deny your claim – especially if you suspect that something is off. Our attorneys can carefully evaluate your situation and determine if the denial was appropriate or if bad faith practices may have been involved.
How Long Do I Have To File a Bad Faith Insurance Lawsuit?
Bad faith actions are considered a breach of an insurance company’s duty of good faith and fair dealing under the Texas Insurance Code. Under Texas state law, these types of contractual disputes must be filed within two years after the date a cause of action accrues.
This gives you two years (and one day) from the date of the insurance company’s bad faith actions or when they were discovered.
In many cases, this would be two years from the date an insurance claim for benefits is denied without a legitimate reason.
You’ll give up the right to file a bad faith action and recover compensation for your losses once the statute of limitations expires. Protect your rights and your financial future by calling Anderson Injury Lawyers for help as soon as you suspect that your claim has been mishandled.
What Compensation Can I Get If I File a Bad Faith Insurance Lawsuit?
When an insurance company acts in bad faith, it stands between you and the compensation you rightfully deserve. By filing a bad faith insurance lawsuit, you can ask a court to intervene and force the insurer to make good on payments to which you are entitled.
So, when you file a bad faith action, you can recover the compensation you originally sought in your insurance claim for benefits.
This might include compensation for:
- Medical bills
- Lost wages
- Reduced earning capacity
- Property damage
- Nursing care
- Pain and suffering
- Mental anguish
- Wrongful death
In fact, you can recover up to three times the amount the insurer would have originally paid for the claim if you can prove that its conduct constituted an intentional or knowing violation of the law.
Additionally, you can ask the court to award costs of your attorney’s fees and damages to compensate for the stress and additional costs you’ve been forced to endure because of the insurer’s bad faith practices.
If the bad faith practices were particularly egregious, a court might decide that an award of punitive damages is appropriate, as well.
Schedule a Free Consultation With an Experienced Fort Worth Bad Faith Insurance Lawyer
Has your claim for insurance benefits been denied in bad faith after an accident in Fort Worth, TX? Did the insurance company mishandle your claim and cause additional stress and suffering? Contact Anderson Injury Lawyers and discover how our Fort Worth bad faith insurance lawyers can help you fight back.
We’ve been going toe-to-toe with Texas insurance companies for decades, and our top-rated legal team is well-versed in underhanded tactics they might employ.
We put our clients first and work hard to get the best outcome in every case we handle – and our results are a testament to that. Our law firm has won over $100 million in benefits, judgments, and settlements for deserving clients like you.