Insurance is something that has become part of many people's daily lives. There are many different things that people get insurance on every day. Some people get it on their new cars while others get it on their homes. When you have insurance on these things it is considered having a peace of mind knowing that if something that you cannot possibly fathom happens to your possessions you will get the value of the items back.
The truth is there are plenty of good cases of insurance companies out there. However, there is something called bad faith claims that put the insured person in a very difficult spot. When an insurer and the insured get together there is a legal behavior called good faith, which essentially says the insurance company will handle the claim as accurately and quick as possible. If they fail to do either of those things you might find yourself in a position where a bad faith case against your insurance company might be necessary. If it comes down to that you need to make sure you have a Houston insurance lawyer to help you through the process.
First and Third Party Bad Faith
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.
Benefits of an Attorney to Help Your Case
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.
The truth is there are plenty of good cases of insurance companies out there. However, there is something called bad faith claims that put the insured person in a very difficult spot. When an insurer and the insured get together there is a legal behavior called good faith, which essentially says the insurance company will handle the claim as accurately and quick as possible. If they fail to do either of those things you might find yourself in a position where a bad faith case against your insurance company might be necessary. If it comes down to that you need to make sure you have a Houston insurance lawyer to help you through the process.
First and Third Party Bad Faith
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.
Benefits of an Attorney to Help Your Case
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 Houston insurance lawyer, contact 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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