State governments closely regulate the insurance industry. There are things insurers can and cannot do when it comes to settling insurance claims. Of course, state laws governing insurance disputes can be complicated, and big insurance companies are well-versed in skirting the law without breaking it. That being said, you have rights, and it’s important to know what they are.
When you sign an insurance contract, the law expects that both parties will negotiate in good faith. A promise of good faith and fair dealing in handling your claims is part of the policy, even when not explicitly stated.
When insurance disputes are handled in bad faith
—for example, when an insurance company has misrepresented its policy, when it creates unnecessary delays, or when it denies access to benefits for no good reason—then you have the right to seek legal redress. In other words, you have a right to a fair settlement based on the terms of your particular insurance policy. If the insurer denies your claim and refuses to provide an explanation, or if their reason clearly violates the policy or misrepresents the truth, then you should speak with the experienced Houston insurance disputes attorneys at Johnson Garcia LLP. Let our expertise and inside knowledge work to your advantage.