It is usually a good idea for you to get insurance on anything that you buy or own. The common things that people get insurance on are their house, car, and other expensive purchases. Having insurance on your items means that if something happens that is out of your control you can get reimbursed the value of the item since it is covered.
In some cases your insurance claim might not go as smoothly as you would like. There are situations called bad faith insurance claims where the insurance company breaks their "good faith" implied relationship with the customers that insure their items through said company. A bad faith claim can be a real headache and cause you extra stress that you do not need in your life. If you are a victim of a bad faith claim you are going to need a Houston insurance lawyer to prove your case and help you get what you deserve.
Two Types of Bad Faith Claims
There are primarily two different types of bad faith claims. The first one is called a first party claim, while the other is called a third party claim. The difference between the two is slight, but both prove that the insurance company participated in negligent behavior in regards to how they handled your claim. The best example to use for a first party claim would be if you owned your own house and your insurance provider said they would look at it, only to not show up and not contact you for a long time. This type of behavior would be considered bad faith.
If they take to long to pay you between the time you file your claim and the time it is settled this could also be considered bad faith. The general rule of thumb is a year is too long to wait, if it has been that long you have been wronged and deserve what you are owed. Keep in mind this only applies to situations when the insurance company has all of the evidence they need to make their decision.
Third party bad faith claims come in a couple of different varieties and are still against the law. If an insurer does not settle with the insured one way or another is considered bad faith. They should not leave you in a situation where you really do not know what is going to happen next. If they fail to defend you and handle the case in a negligent manner this could also be grounds for a bad faith claim. An example of this would be if the insurer does not hire the proper staff to defend the person who is insured.
How a Houston Insurance Lawyer can Help
If you should find yourself in any of the above mentioned situations it is time for you to get some legal help. You are going to need a professional attorney who can help you get the recovery you are deserved. Bad faith cases happen more often than you like to think, so finding a Houston insurance lawyer who specializes in cases like this is your best bet.
When it is time for you to meet up with your lawyer you should be ready to explain what happened between you and the insurance company in full detail. Your lawyer will help you explore your courses of action and what would yield the best results all while happening in a timely fashion. You have waited long enough on the insurance companies, now it is time to get what you deserve.
In some cases your insurance claim might not go as smoothly as you would like. There are situations called bad faith insurance claims where the insurance company breaks their "good faith" implied relationship with the customers that insure their items through said company. A bad faith claim can be a real headache and cause you extra stress that you do not need in your life. If you are a victim of a bad faith claim you are going to need a Houston insurance lawyer to prove your case and help you get what you deserve.
Two Types of Bad Faith Claims
There are primarily two different types of bad faith claims. The first one is called a first party claim, while the other is called a third party claim. The difference between the two is slight, but both prove that the insurance company participated in negligent behavior in regards to how they handled your claim. The best example to use for a first party claim would be if you owned your own house and your insurance provider said they would look at it, only to not show up and not contact you for a long time. This type of behavior would be considered bad faith.
If they take to long to pay you between the time you file your claim and the time it is settled this could also be considered bad faith. The general rule of thumb is a year is too long to wait, if it has been that long you have been wronged and deserve what you are owed. Keep in mind this only applies to situations when the insurance company has all of the evidence they need to make their decision.
Third party bad faith claims come in a couple of different varieties and are still against the law. If an insurer does not settle with the insured one way or another is considered bad faith. They should not leave you in a situation where you really do not know what is going to happen next. If they fail to defend you and handle the case in a negligent manner this could also be grounds for a bad faith claim. An example of this would be if the insurer does not hire the proper staff to defend the person who is insured.
How a Houston Insurance Lawyer can Help
If you should find yourself in any of the above mentioned situations it is time for you to get some legal help. You are going to need a professional attorney who can help you get the recovery you are deserved. Bad faith cases happen more often than you like to think, so finding a Houston insurance lawyer who specializes in cases like this is your best bet.
When it is time for you to meet up with your lawyer you should be ready to explain what happened between you and the insurance company in full detail. Your lawyer will help you explore your courses of action and what would yield the best results all while happening in a timely fashion. You have waited long enough on the insurance companies, now it is time to get what you deserve.
About the Author:
If you need help from a insurance lawyer Houston, get in touch with Powers Law Firm today. Our experienced insurance claims attorneys are available to provide assistance with all types of bad faith insurance lawsuits.
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