At The Law Firm of Alton C. Todd Personal Injury Lawyers, our legal team helps you pursue a claim against your insurance company when it refuses to uphold the terms of your policy. You pay your premiums and abide by the terms of the policy. Therefore, you expect the insurance company to pay valid claims when you experience a loss.
However, your insurance company will likely deny any wrongdoing. Therefore, you need an attorney with extensive experience with these types of claims.
Our Galveston injury lawyers at The Law Firm of Alton C. Todd Personal Injury Lawyers have over 58 years of combined experience. Attorney Alton Todd is double board certified in personal injury and civil trial law. Since opening our firm, we have won over $500 million for our clients in settlements and verdicts for personal injury claims.
Contact The Law Firm of Alton C. Todd Personal Injury Lawyers at (409) 207-9299 to schedule a free case evaluation with our Galveston first-party insurance litigation lawyers.
How The Law Firm of Alton C. Todd Personal Injury Lawyers Can Help You With First-Party Insurance Litigation
First-party insurance litigation can be very complicated. It involves insurance and contract laws. We have a thorough understanding of the law and the complex matters involved in pursuing an insurance company for wrongdoing.
When you hire our Galveston personal injury lawyers, you can trust we will:
- Investigate your claim to determine why your insurance provider is delaying, denying, or ignoring your first-party claim
- Identify your losses and calculate how much your claim is worth
- Gather evidence proving your claim and establishing liability for your losses
- Work with expert witnesses as necessary to strengthen the evidence in your case
- Negotiate with your insurance provider to settle your claim for a fair amount
- File a lawsuit and argue your case at trial if the insurance company refuses to settle your claim
Our attorneys are trusted and highly qualified personal injury lawyers. We have top ratings from numerous national organizations, including Super Lawyers, Martindale-Hubbell, and Best Lawyers.
Leading organizations in the legal industry recognize our attorneys for their exceptional legal skills, including the International Academy of Trial Lawyers and the American College of Trial Lawyers. We are also members of the Multi-Million Dollar Advocates Forum.
What Is a First-Party Insurance Claim in Texas?
The policyholder files a first-party insurance claim with their insurance provider. There are many types of first-party insurance claims, including insurance claims for:
- Damages from wind, hurricane, hail, and other storm damage
- Life insurance proceeds
- Underinsured motorist claims
- Uninsured motorist claims
- Property damage claims
- Medical payments under a MedPay policy
- Disability benefits after a workplace accident
Disputes over insurance payouts are common. An attorney may be able to settle your dispute through negotiations or mediation with your insurance company. If your insurance provider refuses to abide by the insurance policy terms, your attorney can begin first-party insurance litigation to pursue a lawsuit against your insurance company for damages.
Reasons for First-Party Insurance Litigation in Texas
When an insurance company acts in bad faith, the policy owner can file a lawsuit against the company. Examples of bad faith insurance practices that can lead to first-party insurance litigation include:
- Attempting to settle a claim for an amount that is far less than the value of the damages
- Ignoring and failing to acknowledge a filed claim
- Denying or delaying an insurance claim without a justifiable reason
- Requiring unnecessary and overly burdensome documentation to process a claim
- Failing to investigate claims
- Misrepresenting policy terms
- Refusing to defend a policyholder if a third party sues them
- Rescinding or canceling a policy to avoid paying a claim
Insurance policies are contracts. You are entitled to have your claim handled in good faith and with fair dealing. You are also entitled to prompt payment of valid claims. If the insurance company fails to fulfill the contract terms, you can sue the company for breach of contract and unfair claim settlement practices.
What Damages Are Available If I Sue My Insurance Company?
If you sue your insurance company for failing to pay your claim, you could receive compensation for economic and non-economic damages. Examples of damages for first-party insurance litigation include:
- Out-of-pocket expenses you incurred because your insurance company did not pay your claim
- The amount of your original first-party insurance claim
- Financial losses caused by delays in paying your claim
- Emotional distress caused by the insurance company’s bad faith and wrongful acts
- Attorneys’ fees and costs of hiring a lawyer and pursuing first-party insurance litigation
You could also receive punitive damages if the jury determines the insurance company acted with gross negligence, fraud, or malice. The punitive damages “punish” the insurance company for their actions, but you receive the money.
Learn More During a Free Consultation With a Galveston First-Party Insurance Litigation Attorney
If your insurance provider has treated you unfairly, you deserve compensation for the damages you sustained. Call The Law Firm of Alton C. Todd Personal Injury Lawyers for a free case review. We take on large insurance companies and win.
