Lewisville Insurance Lawyer

Lewisville Insurance Attorney

Insurance companies don’t always honor their obligations in good faith. Denied claims, delayed payments, and disputes over coverage can leave you overwhelmed and unsure of your legal options. That’s where the experienced Lewisville insurance lawyers of Alagood Cartwright Burke PC can help. We understand the complexities of insurance laws in Texas. We have successfully handled countless insurance law cases and can fight to protect your rights.

Common Insurance Law Cases

Our attorneys have extensive experience across a wide range of insurance law cases. Some common disputes include:

• Bad faith insurance claims. Insurance companies are legally required to deal fairly and in good faith with policyholders. When they deny valid claims, misrepresent coverage, and delay payments, they may be acting in bad faith.
• Property damage claims. From storm damage to fire loss, homeowners and business owners often face disputes over coverage and claim amounts. Insurers may undervalue the damage or argue that the policy does not cover the loss.
• Health insurance disputes. When health insurers deny necessary medical treatment or refuse to cover procedures, patients can face devastating financial consequences.
• Disability insurance claims. Policyholders who are unable to work due to illness or injury often depend on disability insurance. Insurers sometimes claim that individuals don’t meet the policy’s definition of disability.
• Business insurance disputes. Businesses rely on commercial insurance for protection against legal claims, property damage, and liability claims. Disputes over general liability, commercial property, and business interruption coverage are common.
• Life insurance disputes. Life insurance is intended to provide financial security for loved ones. Unfortunately, insurers sometimes deny claims or delay payment, leaving beneficiaries without the support they were promised.

The median personal injury jury award after an insurance legal claim is $100,000, per the Insurance Information Institute. The average personal injury award is over $1.5 million.

The Impact of Insurance Laws in Texas

Texas has its own set of insurance laws that regulate how insurance companies operate and protect policyholders from unfair practices. These laws govern everything from the timeframe within which insurers must respond to claims to penalties for deceptive trade practices.

Some key protections for Texas policyholders include the prompt payment of claims, which requires insurers to investigate and pay claims within a specific timeframe. The Texas Deceptive Trade Practices Act provides remedies for consumers who are harmed by unfair or deceptive insurance practices.

The state’s common law bad faith protections recognize an insurer’s duty to treat policyholders fairly and allow legal action when they fail to do so. Because these laws can be complex, having a Lewisville insurance lawyer on your side ensures your rights are fully protected and that insurance companies don’t take advantage of you.

Signs You Need to Hire an Insurance Lawyer

It can be hard to determine when it’s the right time to hire an insurance lawyer. Here are some of the common signs that legal help is necessary:

• Your claim has been denied without a clear explanation.
• The insurance company is offering a settlement that is far lower than expected.
• Payments are delayed for no valid reason.
• The insurer claims that your policy does not cover the loss, even though you believe it does.
• You’re overwhelmed by the process and unsure how to proceed.

Consulting with a Lewisville insurance attorney can make all the difference.

Why You Should Choose Alagood Cartwright Burke PC

At Alagood Cartwright Burke PC, we approach insurance law cases in a strategic, client-focused way. We begin every case with a thorough review of your policy, claim history, and the insurer’s conduct. This allows us to identify potential violations of insurance laws and determine the most effective strategy moving forward.

Our attorneys are skilled negotiators who know how insurance companies operate. We present strong evidence, challenge unjust denials, and push for fair settlements. If disputes can’t be settled through negotiation, we’re prepared to take your claim to court.

The team at Alagood Cartwright Burke PC holds decades of experience handling complex insurance law cases in Lewisville, Texas. We’re known for providing strong legal representation and achieving favorable outcomes.

FAQs

Can You Sue an Insurance Company in Texas?

Yes, you can file a legal claim against an insurance company in Texas if they act in bad faith or fail to honor a valid claim. Insurance companies must handle claims fairly and promptly. If they deny coverage without justification, undervalue your claims, or delay payment, you may file a claim for Texas Insurance Code violations. This can help you seek damages beyond the original claim, including attorney’s fees, interest, and punitive damages in some cases.

How Much Does an Insurance Lawyer Cost?

The cost of hiring an insurance lawyer varies by case complexity and the attorney’s experience. Some lawyers work on an hourly rate. Others may take cases on a contingency fee basis, meaning they only get paid if you win. Flat fees are rare but possible for straightforward matters. Many insurance attorneys also offer initial consultations at no charge.

Are Insurance Attorneys Worth It?

Hiring an insurance attorney is often worth it, especially if your claim involves significant stakes or wrongful denial. Insurance companies have vast resources, including teams of adjusters and lawyers protecting their bottom line. If you don’t have legal representation, you may be pressured into accepting unfair settlements, or you may struggle to challenge denials. An attorney knows how to interpret policy language, gather evidence, and negotiate settlements on their behalf.

Who Holds Insurance Companies Accountable in Texas?

In Texas, insurance companies are held accountable by several entities. The Texas Department of Insurance regulates insurers, ensuring they comply with state laws and consumer protection standards. Policyholders can also hold companies accountable through private legal actions. This includes filing claims for bad faith, breaches of contract, or violations of the Texas Insurance Code.

Hire an Insurance Lawyer

If you’re facing an insurance dispute, let the team at Alagood Cartwright Burke PC help you navigate the legal process of recovering the compensation you deserve. Contact us today to schedule an initial consultation with one of our experienced attorneys.