Insurance Law

When you buy an insurance policy, you are purchasing an assurance that the insurance company will provide financial support to help you through hard times if misfortune occurs. If you contract a devastating illness and require long term care, if your home is destroyed by fire, or if your business suffers a catastrophic loss, you expect the insurance coverage that you have purchased to soften the blow.

Unfortunately, it doesn’t always happen that way. In many cases, insurance companies fail to fulfill the terms set forth in their policies, employing a variety of tactics to delay or deny the payment of legitimate claims, depriving individuals of help just when they need it the most.

An insurance policy represents a contract between the insurance company and the insured party, and both sides must carry out their obligations, as spelled out in the agreement. The insured must provide notice of a claim to the insurance company in a timely manner and must also furnish any required documentation to the insurer while cooperating with efforts to investigate the claim. At the same time, the insurance company is under contractual obligation to pay all valid claims.

If you believe that your insurance company is attempting to avoid the payment of a legitimate claim or engaging in any sort of bad faith action, it is important that you contact an attorney to be sure that you receive the compensation to which you are entitled.

It is unfortunate that all insurance companies do not promptly pay valid claims, but experience shows that this is often the case. With that in mind, it is important to contact the Terri Garcia Law firm if you believe that your insurance company is trying to avoid paying you what you are owed under the terms of your policy. Call Terri Garcia today at 281-741-3420.