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Insurance Attorneys in Houston

Insurance is coverage that ensures a company or government agency will provide compensation under specified conditions. By purchasing insurance, you’ve already protected yourself and your family and trust that your insurance providers will follow through with their agreed-upon side of the contract in emergency situations. Insurance providers acting in bad faith can greatly affect you and your family, and there is nothing more frustrating than feeling as though your interests are not properly represented in times of need.

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Our Approach

Davis Law Group believes that insurance providers should always follow through promptly and thoroughly for their plan-holders. Our team wants you to receive the compensation you deserve without having your claim wrongfully short-changed, delayed, or denied. We’re experts in the complex law that pertains to insurance. Our Houston insurance lawyers will help gather all of the proper documentation necessary for an effective suit and mediate litigation in its totality, even against larger provider entities.

Why Davis Law Group?

Led by seasoned, double-board-certified personal injury attorney Joshua Davis, Davis Law Group was founded in April 2013. Our firm is dedicated to advocating for justice for individuals who have suffered due to insurance breaches. We bring extensive experience, knowledge, and credibility to these cases, ensuring our clients' best interests are prioritized. Our team fearlessly takes on large insurance corporations and holds them accountable for failing to fulfill their obligations. We are skilled negotiators and litigators who believe in open and honest communication, always keeping our clients informed throughout the legal process.

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Examples of Bad Faith Insurance Practices

Denying Payments Without Reasonable Basis

After an agreed-upon contract is signed, insurance companies cannot legally deny claims that are outlined as part of your coverage within a policy. While situations are dependent on your coverage and the specific wording of documentation as it pertains to your situation, a denial may qualify as an insurance provider acting in bad faith.

Discounting Payments Without Reasonable Basis

When a situation arises that requires a payout from an insurance provider, a claim must be submitted. Insurance companies often offer less money than a claim is worth to increase their profit margin. When this doesn’t cover all your damages, despite paying enough for reasonable coverage within your policy, legal action may be necessary.

Delaying Payments Without Reasonable Basis

During payouts, policyholders have a right to receive payment in a timely manner. In order to deter policyholders from pursuing compensation, insurance companies will delay both the payment and the process for achieving it. This can impose great financial hardships upon those who need promised benefits immediately.

Failing to Affirm/Deny Coverage Within Reasonable Time

Insurance companies may take an unreasonable amount of time to investigate a claim, far before agreeing to or denying payout. Much like payment delays, this tactic is done in hopes of persuading policyholders to give up the pursuit of compensation. This, in turn, increases insurance company profit margins at the policyholder's expense.

Failing to Conduct Investigations

Insurance companies must operate under the concept of good faith on behalf of their policyholders, acting in their best interest under all circumstances. This includes investigating claims that require compensation or payout quickly and thoroughly to refrain from putting financial or emotional stress on a policyholder. Avoiding investigation often means avoiding payment, which is illegal and immoral.

Misrepresenting Law or Policy Language

Insurance coverage comes with a lot of paperwork, often littered with jargon that is difficult to understand. Misrepresenting law or policy language includes failure to disclose the existence of coverage that may be under your plan in order to avoid paying you. Failing to disclose claim filing deadlines and not providing the necessary paperwork is also included.

Your Case Matters, and We Are Here to Help

If you believe you've been a victim of legal malpractice, you don't have to face the consequences alone. The experienced legal malpractice lawyers at Davis Law Group are here to help you seek justice. We understand the complexities of prosecuting legal malpractice cases and have successfully sued some of the largest firms in the world to restore justice to our clients. Contact our Houston office today to schedule a free consultation and discuss your case. We'll guide you through the legal process and protect your interests.

Joshua P. Davis
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Insurance FAQ

What does good faith mean in insurance?

How do I file a bad-faith claim against an insurance company?

What types of damages are available in bad-faith insurance lawsuits?

Can I sue an insurance company for not paying?

What does good faith mean in insurance?

Good faith is an implied duty of acting in a policyholder’s best interest and engaging in fair dealing. More specifically, the action of conducting prompt and thorough investigations and payments in response to a policyholder’s claim is expected.

How do I file a bad-faith claim against an insurance company?

First and foremost, review any insurance contracts held with the insurance company to reaffirm that misconduct has occurred. Keep logs of any claims made, as well as any insurance provider responses, including delays or denials. Bring all documents to an attorney, and we’ll help initiate a lawsuit.

What types of damages are available in bad-faith insurance lawsuits?

Payouts for bad-faith insurance lawsuits may include the amount expected from the original claim and attorney fees. Additional compensation for financial harm that resulted from the bad faith delay or denial is also applicable, including lost wages or compensatory damages.

Can I sue an insurance company for not paying?

As long as your plan states applicable coverage and the claim does not violate the terms and conditions of said contractual agreement, yes. There is no reason why your policy provider should not pay you and pay you a reasonable amount, given the damage severity.

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