Filing an Insurance Bad Faith Claim
Get Help from Our Corpus Christi Insurance Bad Faith Lawyers
Insurance companies have certain duties towards their policyholders, including
the duty of good faith and fair dealing. For example, when a policyholder
files a claim with his or her insurance company, the insurer is obligated
to conduct a full and reasonable investigation into the claim. If the
insurance company arbitrarily denies the claim, delays payment, or decides
to pay the policyholder less than the full value of benefits owed under
the policy, the insurer may be liable for the tort of bad faith.
Insurance bad faith is a legal term describing a tort claim that an insured
individual may have against an insurance company for its misconduct. In
other words, when an insurance company fails to uphold the duties it owes
to policyholders, the insurance company has committed a bad faith act.
If you have been the victim of an insurance bad faith act, consult the
Corpus Christi insurance bad faith attorneys at Bandas Law Firm, P.C.
Call our office at (361) 238-2789 or contact us online for a free, confidential
Examples of Insurance Bad Faith
Laws governing insurance bad faith differ state by state, but the underlying
standards are generally the same.
Examples of bad faith acts in Texas may include:
- Intentionally denying a claim when liability is reasonably certain
- Failing to process a claim within a reasonable amount of time
- Adjusting the claim in a dishonest manner
- Any intentional misconduct in claims processing
- Failing to defend a policyholder against a third-party claim
- Failing to investigate a claim for benefits under an insurance policy
Texas Insurance Bad Faith Claims
Under the Texas Insurance Code, insurance companies underwriting any type
of insurance policy in the state are required to meet certain standards
of conduct, including processing claims within a certain amount of time.
Texas insurance policyholders who have been victims of insurance bad faith
acts have legal options available to them, including possibly receiving
attorney fees, punitive damages, and any amounts owed to them under their
In order for an insured to establish the tort of bad faith in Texas, proof
must include the following:
- The absence of a reasonable basis for denying or delaying payment of benefits
under the policy
- That the carrier knew or should have known that there was no reasonable
basis for denying the claim or delaying payment
However, Texas law dictates that as long as the insurer has a reasonable
basis for denying the claim or delaying payment, even if that basis is
ultimately deemed erroneous, the insurer is not liable for the tort of
Contact an Insurance Bad Faith Attorney Today
Too often, policyholders fall victim to bad faith acts on the part of insurance
companies and believe that it is not in their power to defend themselves.
This is not the case. Insurance companies in Texas and across the country
have an obligation to provide their policyholders with a certain standard
of conduct and may be held liable for any deviation from this conduct.
If you or a loved one has been victimized by bad faiths acts by an insurance
company, contact a Corpus Christi insurance bad faith attorney at our
firm today. You may be entitled to financial compensation for punitive
damages and attorney fees, in addition to compensation owed to you under
your insurance contract. With the help of a qualified insurance bad faith
lawyer from our firm, you can protect your legal rights and ensure that
your insurance claim is handled professionally and appropriately.
Request a free consultation when you call (361) 238-2789 or submit an
online contact form.