News & opinion How to File a Complaint Against Your Insurance Company in Texas

How to File a Complaint Against Your Insurance Company in Texas

Texas Insurance Law Firm

Insurance companies collect premiums in exchange for the promise that they will help you if you are injured in an accident. However, many people who try to collect payment themselves can attest that insurance companies do NOT always stand by their word. Almost every insurer has tactics their adjusters are trained to limit or deny claimseven completely valid claims! This can leave anyone feeling lost on what to do, and feeling victimized a second time.

Our experienced Texas insurance claim lawyers are here to help injured victims recover just and fair compensation from victimizing insurance companies. With our 20 years of experience, we have learned all of the tricks used by these large companiesand we know the most effective ways on how to fight them. When an insurance company refuses to do the right thing, by keeping their promise to their loyal customers, we help go after these insurance companies, and take legal action to get our clients maximum recoveries for their injuries. If you were in an accident and need to file a claim, please DO NOT WAIT to call the nationally recognized team of lawyers and legal professionals at Stewart J. Guss, Attorney at Law! We are available 24 hours a day, 7 days a week at (800) 898-4877, or contact us now by CLICKING HERE.

Filing a Complaint with the Texas Department of Insurance

Insurance companies often write confusing policies, sell policies that don’t serve the consumer, or to fail to keep their end of the bargain once a claim is filed. The Texas Department of Insurance aims to make sure that insurance companies in our state don’t take advantage of policyholders.

The department specifically upholds the Texas Consumer Bill of Rights, which lists the rights you have before and after buying insurance, and when making a claim:

  • You have the right to receive FAIR and HONEST treatment
  • You have the right to REJECT any inadequate settlement offer and to negotiate or file a lawsuit
  • You have the right to KNOW the specific reasons why your insurance company denied your claim
  • You have the right to TIMELY claim processing and payment of approved claims
  • You have the right to FREEDOM FROM any type of unlawful discrimination in the claims process
Even though Texas requires all insurance companies operating in the state to comply with the Consumer Bill of Rights, many companies still try to wheedle their way through denying valid claims. Sadly, many insurance companies get away with these wrongful denials because claimants are unaware of their rights, and how to take action to fight for those rights.

When you come to our legal team with insurance problems, we can explore different options to find how best we can assist you. We can help you resolve the claim with your insurance company. Our attorneys know the insurance companies’ tricks and know what types of evidence and arguments to counter their tactics. Having the right attorney on your side is what you need to substantially increase a settlement offer.

If necessary, we can also help you file a complaint regarding your insurance company with the state. The Texas Department of Insurance has a process for filing complaints and can even sanction insurance companies if they violate consumer rights. While a complaint can help keep insurance companies in line, the Department of Insurance CANNOT do the following:

  • Make determinations of liability in your accident
  • Help you with settlement negotiations for injury claims
  • Provide substantial remedies to you for bad faith insurance acts

Until the insurance laws are reformed in Texas, filing a complaint can give injury victims some satisfaction and potentially help claimants in the future.

Playing Hardball With Insurance Companies

The team of lawyers and legal professionals at Stewart J. Guss, Attorney at Law, has dealt with almost every majorand minorinsurance company in Texas. We know all too well that these companies simply refuse to offer reasonable settlementseven with all of the evidence of your accident and injuries right in front of them. In many cases, we can gain leverage in a case by threatening to file a complaint and by filing a personal injury lawsuit.

When another party’s negligence has injured you, the insurance company for that party SHOULD pay to cover your medical bills and other losses. Should is the operative word here, as this rarely happens that easily. Insurance companies utilize a toolbox of tricks to get you to jump through extra hoops.

Fortunately, your rights do not end with the insurance company and any of their lowball offers do not have to be the end of your case. The law does give you the right to file a lawsuit against the negligent party that caused your injuries—and we are willing to do what it takes to get you a fair settlement!

The number of our clients who receive adequate offers right after an insurance company is notified to the potential of a lawsuit may surprise you. Insurance companies often want to avoid trial for many reasonsfor example, defending a claim at trial is costly and a jury may award a much greater verdict than a settlement offer—so they get the idea that it is easier to increase an offer right away.

Even if a settlement offer doesnt increase right out of the gate, the litigation process allows us to trade information and evidence with the defendant, which allows us to show the strength of your case. We engage in many rounds of settlement negotiations on your behalf when necessary, and however often needed, for the insurance company to make an offer you deserve before your case heads into the courtroom for trial.

Contact a Texas Insurance Claim Law Firm for More Information

While filing a complaint against an insurance company can help keep these companies in check, you likely need to take additional action to make sure you receive full compensation for your losses. Hire a skilled personal injury lawyer to handle your insurance claim from the very beginning.

Our team of attorneys and legal professionals are at the ready jump in to help protect your rights as an accident victim. The attorneys of Stewart J. Guss, Attorney at Law, are nationally recognized leader in the industry, and have fought against insurance companies on behalf of our injured clients for more than 20 years. Because we take all of our personal injury cases on a contingency fee basis, you will not owe us a DIME unless we win your case. we are available 24/7, so call us today at (800) 898-4877 or contact us now by CLICKING HERE.

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