Getting insurance coverage is the easy part of the whole insurance scenario. Agents are falling all over each other promising the earth and the moon to get people to sign up for a policy. It is when you have to make a claim when most of the problems come in.
Insurance companies anywhere are in the business of making money for their stakeholders; it is not a priority for them to provide more assistance to their insured than necessary when it means shelling out money. This is a fact that most people who are insured do not fully understand until they make a claim; even the most reputable insurance companies will go over a claim with a fine-toothed comb to find loopholes they can use to minimize their payout.
This is just good business sense. However, this does not mean that the insured should just accept whatever is given them even if they know that it is not what is in the policy. An article on the Smith Kendall website states that the insured that pays premiums regularly and promptly have a right to the full coverage promised them when the time to make a claim comes around. Insurance claimants should know everything about their coverage and their entitlements so they can make an insurance claim dispute that will stick.
The Texas Department of Insurance can be of assistance in an insurance claim dispute, but they do require that the claimant communicate first with the insurance company and then provide complete documentation of pertinent information. This can be a tedious process, especially when it comes to medical, health and property insurance claims. Engaging the services of an insurance claim dispute lawyer would make this process go faster and smoother, and will also ensure that the rights of the insured is fully protected if and when the claim is escalated.Read More