Graford Texas insurance lawyers learn real fast how to determine whether someone is an agent of an insurance company, or not. The first step to determine whether an insurer is vicariously liable is to determine whether the person who engaged in the conduct was acting as the insurer’s agent. The…
It is not unfair to say that an insurance company is going to be liable for the acts of its agents 95% of the time. Insurance companies, like other entities, can act only through agents. Insurance companies rely on agents to sell their policies, to underwrite potential insureds, and to…
Insurance attorneys know about the statutory requirements of making a claim. These rules can be looked up in the Texas Insurance Code. The problem arises when the insurance companies do not comply with these rules. So, what are some of these rules. Start with Texas Insurance Code, Section 542.056(a). This…
Texas insurance law lawyers should be able to turn to the Insurance Code and know this section that relates to insurance agents. The section is 4001.053. It says an agent also may be personally liable for performing acts on behalf of an insurance company. This is supported with case law…
Most Dallas insurance lawyers in Dallas and Fort Worth know the ways agents and adjusters can liable for their actions in selling a policy or handling a claim. Just as an insurance company is liable for its own misconduct, so too agents may be personally liable for their misdeeds, even…
Texas insurance lawyers are always asking the above question when someone comes to see them about an insurance company doing them wrong. To start with, as the contracting party, the insurance company can be liable based on the contract that exists between them and their customer. There are also several…
Here is a curious 1933 opinion from the Texas Court of Commission of Appeals. It is styled, American National Insurance Co. v. Huey. This is a case wherein an insurance agent is alleged to have misrepresented the terms of an insurance policy wherein the insured was to receive monthly benefit. …
Cooperation with the insurance company investigation of a claim is required under the insurance policy. Failure to cooperate can result in the policy being rescinded and the claim denied. The 1994, Amarillo Court of Appeals opinion, Andy Costely and Cathy Costley v. State Farm Fire And Casualty Company, illustrates the…
Area life insurance attorneys need to know the reasons an insurance company can rescind an insurance policy. In addition to the common law standards, several statutory provisions regulate an insurer’s ability to avoid coverage based on a misrepresentation by the insured. These are found in Texas Insurance Code, Chapter 705.…
Parker County life insurance lawyers know how the courts look at warranties in life insurance policies. As stated in the 1997, 5th Circuit opinion styled, Riner v. Allstate Life Insurance Company, “Warranties in insurance applications are strongly disfavored in the law, and even fairly obvious attempts to create warranties in…