Insurance Coverage Disputes Austin

Austin Insurance Coverage Dispute Lawyer

When you have reliably paid your monthly insurance premiums, you rightfully expect that the insurance company will honor its obligations in the case of a disaster, accident, health crisis or death. Policyholders may feel victimized a second time if the insurer denies the claim, substitutes a lower benefit or takes an unreasonable amount of time to pay.

Trying to get the benefits that should have been paid to you without dispute can be daunting and frustrating during an already stressful time in your life. If you are getting the runaround or if your claim has been denied, our attorneys can intervene with the insurance company to negotiate forcefully and effectively on your behalf. We are not afraid to take on the largest insurers, and we have a good track record of results in a wide range of insurance coverage disputes.

If you are being treated unfairly by your insurance company, contact Shaw Cowart LLP in Austin for a free case evaluation. We represent homeowners and consumers in Central Texas and statewide.

Representing Policyholders In Insurance Disputes

Insurance companies have a vested interest in paying as little as possible in resolving claims, even when the claim is covered under the terms of the policy. Some insurers systematically deny or delay payments, knowing that a certain percentage of claimants (especially those without legal representation) will take no for an answer or accept a lower payment.

The insurance companies know that these tactics will not work with claimants who are represented by qualified and experienced attorneys. They know that a persistent attorney will not back down. They know that such an attorney will demand full compensation and will be willing and prepared to go to trial if necessary to get satisfaction. Shaw Cowart’s involvement in these disputes routinely results in a fair and timely resolution of claims.

Storm damage is one of the most common scenarios of insurance coverage disputes. Some insurers are notorious for slow-pay tactics or denying these claims outright without any basis. We handle homeowner claims for hurricane damage, wind damage, flood damage, fire loss and other covered catastrophes. We also handle other types of insurance coverage disputes, such as health insurance, life insurance and uninsured/underinsured motorist claims.

Can You Sue an Insurance Company for Lying?

Yes. If an insurance company either knowingly lies to you or misleads you, it is possible to make a bad faith claim against them. Generally, if the insurance company does not handle your claim in a fair and reasonable manner, you have legal recourse.

What Should You Not Say to Your Insurance Company After an Accident?

After your accident, you need to be very careful about what you say to any insurance company, whether it is your own or another driver’s. Even a seemingly harmless comment can be used against you during your claim. Following your accident, make sure you do not:

  • Admit fault
  • Say you have no injuries
  • Give a recorded statement
  • Give your insurance company access to medical records
  • Accept a settlement offer without consulting us

Any of this information will be used by the insurance company to minimize or outright deny your claim. If an insurance company asks for a recorded statement or your medical records, call us right away.

Can an Insurance Company Refuse to Pay a Claim?

Yes, an insurance company can deny your claim. However, they are required to provide a rationale for their denial, including evidence and coverage information.

What Happens if Your Insurance Denies a Claim?

If your insurance company denies your claim, you have a chance to appeal their decision. For the appeal to be successful, you will need to make sure your claim doesn’t have any mistakes and gather enough evidence to support it. This is where our experienced insurance coverage dispute lawyers can help.

Do Insurance Adjusters Lie?

Unfortunately, there are many insurance adjusters who resort to lying or misrepresentation to minimize a personal injury payout. This includes telling the claimant that their policy doesn’t cover certain damages, forcing the claimant to give a recorded statement, and pressuring the claimant to settle by a certain date. In reality, most of these deceptive tactics are used to get you to accept a low settlement offer so that the insurance company saves money. At Shaw Cowart, LLP, our attorneys know these tactics and can help manage your claim and communication with the insurance company.

Why Might Your Insurance Coverage Claim Be Denied?

Typically, an insurance company may refuse to pay your claim due to lack of coverage, expired coverage, claim filing mistakes, failure to notify, or not seeking medical treatment. In many cases, the adjuster may just deny your claim because of a dishonest interpretation of your coverage. For this reason, it is important to hire one of our experienced attorneys.

Should You Speak to an Attorney Before Contacting the Insurance for a Coverage Claim?

Absolutely. The primary goal of the insurance company is to make money by minimizing compensation for claimants. Insurance adjusters will do almost anything to reduce or deny your claim, so having an attorney on your side can help level the playing field. Our insurance coverage dispute lawyers will handle all communication with the insurance company on your behalf so you can focus on recovery.

Austin Insurance Coverage Litigation Attorney in Texas

Our lawyers have resolved many claims through negotiation, arbitration and litigation, including recovery of damages for insurance bad faith. Contact us if you have had trouble with your valid insurance claim:

  • Extended “investigation” of your claim
  • Delayed payout of benefits
  • A “lowball” settlement offer
  • Denied insurance claim
  • Policy interpretation
  • Policy not in force
  • Refusal to defend you if you have been sued

Our Austin insurance coverage dispute attorneys are respected as highly ethical and knowledgeable in plaintiff representation. For a free initial consultation, call 512-499-8900.

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