With regards to life insurance policies, what if the insurance company denies a claim for benefits based on their assertion that a misrepresentation was made in the policy application? This is covered by the Texas Insurance Code, Sections 705.001 to 705.005 and 705.101 to 705.105. This is also addressed by…
Life insurance lawyers might know this law but most other people do not. The law is found in the Texas Insurance Code, Sections 705.101 thru 705.105. These Insurance Code sections require that an application for insurance be attached to the policy when the policy is sent to the applicant. This…
The Law Office of Mark S. Humphreys, P.C. is pleased to announce the settlement of a life insurance denial case. Mark’s client was the daughter of a lady who had applied for a small life insurance policy about a year and a half before the mother’s death. Her death was…
An often seen reason for denying a claim for life insurance benefits is the accusation by the insurance company that the insured committed suicide. As is pointed out in the 1982, 14th District Court of Appeals opinion, Parchman v. United Liberty Life Ins. Co., life insurance policies typically exclude suicide…
As most insurance law attorneys can tell a prospective client: An insurance agent does not have a responsibility to explain the terms of the policy. As in most laws, there are exceptions based on the facts of each given situation. The Western District of Texas, Austin Division, issued an opinion…
Insurance attorney need to stay current on the ways the Judges interpret the law and how that law is applied to the facts in a case. When dealing with insurance contracts and the “covered and non-covered cause of loss” issue, this 2019, Northern District of Texas, Dallas Division opinion is…
The law office of Mark S. Humphreys, P.C. is pleased to announce the settlement of a case involving a Credit Life & Disability policy. Mark’s client was the wife of a man who had died and she was the beneficiary named on the policy. The policy, a Credit Life &…
The “Offer of Settlement Rule” is relatively new to Texas law and is codified in the Texas Civil Practice & Remedies Code, Section 42.002. This rule was discussed to a small degree in a case from the Corpus Christi Court of Appeals. The case is styled, Israel Salinas and Hilda…
Demand letters to an insurance company can be used as evidence to make even a small case subject to federal jurisdiction. This is illustrated in a case from the Western District of Texas, San Antonio Division. It is styled, Veronica Horton v. Allstate Vehicle and Property Insurance Company, Pilot Catastrophe…
Insurance attorneys get another favorable ruling in a case. The case is from the Western District of Texas, Austin Division. It is styled, River of Life Assembly of God v. Church Mutual Insurance Company and Jim Turner Harris. River of Life suffered storm related damage and made a claim against…