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Austin Bad Faith Insurance Lawyer

Austin Bad Faith Insurance LawyerHas an insurance company in Austin, Texas wrongfully denied your claim for insurance benefits? Has a provider made you jump through ridiculous hoops or continually offered you a lowball settlement?

Call FVF Law at (512) 982-9328. Insurance companies in Texas have a legal obligation to consider claims in good faith. When they fail to do so, you have the right to take legal action and hold them accountable. Our Austin bad faith insurance lawyers can help you work for the benefits and damages you need.

Since 2014, FVF Law has been a trusted advocate for injury victims and grieving families in Austin, TX. Collectively, our top-rated Texas trial lawyers have over 100 years of experience and have won millions on behalf of clients like you. We have handle cases related to catastrophic injuries, wrongful death cases in Austin, boating accidents, burn injuries, and more.

Let us help you take on the insurance company and prove that they’ve handled your claim in bad faith. We offer a free, no-obligation case evaluation, so contact our Austin, TX law office to get started today.

How FVF Law Can Help If Your Insurance Claim Has Been Handled in Bad Faith in Austin, TX

How FVF Law Can Help If Your Insurance Claim Has Been Handled in Bad Faith in Austin, TXInsurance is often the first source of compensation after an accident in Austin, Texas. When you file a legitimate claim, you expect the insurance company to pay up.

Unfortunately, some insurance companies don’t always take their obligation to deal in good faith seriously.

They know they often have the upper hand and use tactics and strategies to limit payouts and increase profits.

In these situations, it’s essential to enlist the help of an experienced Austin personal injury lawyer and take a stand.

FVF Law can help by:

  • Carefully investigating the circumstances of your claim for damages
  • Determining how the insurance company mishandled your claim
  • Identifying all potential violations of the insurance policy and bad faith actions undertaken by the insurer
  • Representing you during all conversations and negotiations with the insurance provider
  • Working to secure all of the benefits you qualified for through your initial claim
  • Demanding additional compensation to offset the financial and emotional consequences you’ve experienced as a result of the insurance company’s bad faith practices

If the insurance company refuses to acknowledge that they’ve mishandled your claim or extend a decent payout, our award-winning Austin litigators will be ready to bring your case to a jury. Our goal is to help you get the money you need to move forward. We’ll do everything we can to make that happen, no matter the time or resources required.

Call our law office in Austin, TX to learn more about how we can help you hold the insurance company accountable. We work on contingency, so there is no cost to hire our bad faith insurance attorneys in Austin unless we win your case. Get in touch to get started today.

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What is Bad Faith?

Insurance policies are contracts. You pay premiums in exchange for benefits in the event of an accident, injury, or death. The insurance company, in return, assumes a duty to consider any claim for benefits in good faith.

In other words, the insurance company has to make an honest and genuine effort to investigate a claim and, when appropriate, pay benefits.

The insurance company’s duty to act in good faith is solidified in common law and required by Texas statutes.

Specifically, insurance companies are legally bound to act in good faith under Chapters 541 and 542 of the Texas Insurance Code.

These statutes prohibit providers from using “unfair or deceptive acts or practices in the business of insurance.”

When an insurance company knowingly engages in manipulative, fraudulent, or deceptive practices, it’s considered bad faith. If your insurance claim is handled in bad faith, you may reserve the right to file a bad faith insurance lawsuit against the provider.

Examples of Bad Faith Insurance Practices

So what do bad faith insurance practices look like?

Some common examples include:

  • Failing to acknowledge a claim within 15 days of receipt
  • Denying a claim for benefits without a legitimate reason
  • Undervaluing a claim and offering less in benefits than it is worth
  • Unnecessarily delaying or extending the claims process
  • Requiring a burdensome amount of paperwork from claimants
  • Failing to conduct a prompt investigation into a claim
  • Delaying payment once a claim is approved
  • Materially misrepresenting the terms of a policy
  • Misrepresenting the facts or circumstances of a claim
  • Failing to request additional paperwork from a claimant

Simply put, the insurance company has to make its best effort to handle a claim honestly and with the intent to fulfill its obligation under the contract. When the insurer acts against the claimant’s best interests in an effort to limit or avoid a payout, it can be considered to have acted in bad faith.

First-Party vs. Third-Party Claims

There are two types of bad faith insurance claims: first-party and third-party.

You’ll have a first-party claim when you file a claim for benefits with your personal insurance company. You are the policyholder and are seeking benefits from the policy you purchased.

You’ll have a third-party claim when you file a claim for benefits with someone else’s insurance company. For example, you’d have a third-party claim if you filed a claim with an at-fault motorist’s provider after a car accident in Austin. Even though you’re not the policyholder, you’re entitled to benefits because the policyholder caused your traffic accident.

Decades of Experience Handling All Types of Bad Faith Insurance Claims in Austin

Insurance companies are for-profit corporations. Even though they have a legal obligation to deal in good faith, the motivation to make money can often prevail. Bad faith practices can be obvious or, in many cases, more unassuming.

If you suspect that your claim has been mishandled, it’s important to work with a law firm that has experience taking on powerful insurers and forcing them to do the right thing.

At FVF Law, our Austin bad faith insurance attorneys have extensive experience handling cases involving:

  • Car insurance claims
  • Homeowners insurance claims
  • Commercial insurance claims
  • Business insurance claims
  • Life insurance claims
  • Health insurance claims
  • Boating insurance claims
  • Malpractice insurance claims

Whether you’ve been in a truck accident, slipped and fallen, or are a victim of medical malpractice, our attorneys can help you force the insurance company to make good on your claim.

Are Insurance Claims Always Denied in Bad Faith?

No. Insurance companies must consider claims in good faith, but that doesn’t mean all claims must be approved and paid.

An insurance company could potentially deny a claim or delay payment if:

  • There is a legitimate dispute regarding liability
  • The insurance policy is inactive due to unpaid premiums
  • The type of injury or damage claimed isn’t covered by the policy
  • The claimant is not covered by the policy
  • The insurance company needs more evidence to support a payout

In these situations, the insurance company can be justified in requesting additional documents or paperwork, delaying the process to conduct a more thorough investigation, or denying a claim altogether.

What Damages Can I Get If I File a Bad Faith Insurance Claim in Austin?

When you file a bad faith insurance lawsuit in Austin, Texas, you can seek damages for:

If there is evidence that the insurance company knowingly engaged in bad faith practice, you can also receive treble damages equaling three times the value of your actual damages.

How Long Do I Have to File a Bad Faith Insurance Lawsuit in Texas?

It’s important to get a jumpstart on your claim because Texas limits the amount of time you have to hold an insurance company responsible for its bad faith actions.

The statute of limitations for most bad faith insurance lawsuits is two years.

Once the statute of limitations expires, you will lose the opportunity to take legal action and demand financial accountability.

The best way to protect yourself is by speaking with an experienced bad faith insurance attorney near you in Austin as soon as you suspect that something isn’t right. Our team can begin to assess your claim, investigate insurance company practices, and put a plan into action as soon as you ask for our help.

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Schedule a Free Consultation With an Experienced Austin Bad Faith Insurance Lawyer

An insurance company has mishandled your claim for benefits. You’re relying on those benefits to help you cover the costs of medical treatment, make up for lost wages, and account for other consequences of your accident. Force the insurance company to make things right by calling FVF Law.

Our Austin bad faith insurance lawyers have the experience, reputation, and resources you’ll need to get results.

We’ve forced insurance companies in Texas to pay millions to our clients, and now we’re ready to hold them accountable for the way they’ve treated you. Call our law office in Austin, Texas to set up a time for a free consultation now.

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