When an insurance company denies your claim, you need to immediately hire an Experienced Insurance Lawyer. The insurers are always looking for a reason to deny a claim but there are also times when it is justified. While there are many times the denial of a claim is not justified,…
Most claims filed with insurance companies get paid. The insured is happy and the insurance company is moving on to the next claim and collecting premiums. Honest people cannot understand why an insurance company would not pay a claim made by one of their customers. The Insurance Journal published an…
Attorneys handling auto insurance problems will see situations where a person has their insurance raised after a claim. This is sometimes done in violation of Texas laws. The Washington Post published an article in February 2018, that deals with auto insurance rates. It is titled, Auto Insurance Rates Have Skyrocketed…
All parts of an insurance policy are important. An insured needs to understand what is contained in any policy he has. Texas laws assumes a person has read and understands the contents of his insurance policy. The insuring clause of a policy in the insurance company’s agreement to provide coverage…
Insurance policies are normally going to have a declarations page. This page will identify the insured, the policy limits, and times of coverage. The declarations page is to show the insured what the insurance policy covers. In determining the coverage provided by an insurance policy, always review the declarations page. …
According to the Fort Worth Court of Appeals opinion from 1995, styled, Truck Insurance Exchange v. Musick, insurance policies are normally issued on standard forms containing terms drafted by the insurance company. Keep in mind that Texas has standard automobile policy forms approved by the Texas Department of Insurance. For…
Without an insurable interest, an insurance contract is a gambling contract, and gambling contracts cannot legally be enforced. For example, David cannot insure Paul’s house in which David has no insurable interest, betting (gambling) the house will suffer a loss. If David could win this bet, he would receive a…
Does my potential new client have an insurable interest? That is a question insurance lawyers have to answer first when talking to someone who believes they are owed money on an insurance claim. As stated by the Dallas Court of Appeals in 1993, in the opinion styled, Jones v. Texas…
Weatherford insurance lawyers need to recognize “first party” policies when they see them. Here are some examples: The standard Texas Auto Policy covers accidental loss or damage to the covered auto. If an insured is involved in a single car accident resulting in property damage to the insured vehicle, the…
A question typically asked of Fort Worth Insurance Lawyers is, – What is the difference between a third party claim and a first party claim. A “first party” claim is usually a policy that typically involves insurance that provides policy benefits directly to the insured or beneficiary in the event…