|
_______________________________________________________________
Texas Insurance
Claims
The Insurance Industry is
making money by delaying and denying legitimate insurance
claims. Some insurance adjusters will do whatever they
can to take advantage of injured people, the family of a
person that was killed, or people that have lost their home,
possessions, or business. They often make low ball
offers when they know claimants are hurting for money and
gather evidence to find ways not to pay claims. The
result of these tactics is that the insurance companies get
to keep more of their money and injured or damages
individuals do not get the compensation that is do them.
If you have an insurance
claim regarding a serious injury or property damage and have questions
about the potential claim, feel free to submit an inquiry
for a Free Online Insurance Claim Evaluation or
send an e-mail to Texas Insurance Claim Lawyer Jason
Coomer at TexasInsuranceLawyer@texaslawyers.com.
The Insurance Industry Reaps Huge Profits at the
Expense of Claimants
The Insurance Industry
including Allstate, State Farm, Farmers, USAA, and
Progressive have made billions of dollars over the past
several years. These record profits have occurred
despite many Americans suffering huge losses from major
hurricanes and other disasters. A main reason for this
profitability in the insurance industry is the aggressive
procedures Allstate and many insurance companies have
installed to deny and delay paying claims. This tactic
of denying and delaying payment of claims has helped the
insurance industry to obtain over $44 billion in profits in
2005 and what looks to be almost $60 billion in profits in
2006. It also has taken money from Texas families and
businesses that have suffered the loss of a loved one,
serious injuries, loss of home & possessions, or covered
business losses.
Despite huge profits the
insurance industry continues to find ways to not pay
legitimate claims. CNN recently did a news story on
All State and Farmers Insurance strategy of Denying,
Delaying, and Defending all small claims regardless of the
validity of the claim. In Defending all insurance claims,
they spend millions of dollars defending small claims in a
hope that most injured claimants or damaged claimants will
give up or accept a settlement of pennies on the dollar.
As most injured people do not want to fight a large
insurance company or have the resources to survive when they
can't work or have lost their home or business, many people
with legitimate insurance claims accept low settlements.
Texas Insurance Lawyer
Jason Coomer reviews insurance claims and fights for people
that have legitimate insurance claims that have been
wrongfully denied by insurance adjusters. Many times
having an attorney that is familiar with the dirty tricks
insurance adjusters use in denying or delaying payment of
legitimate claims, can force an insurance to pay reasonable
compensation on a claim.
Personal Injury Insurance
Claims
Personal
Injury Insurance claims are some of the most complicated
insurance claims and can be difficult for a lay person to
obtain a reasonable settlement. This is because there
are several different types of insurance, damages can be
hard to calculate, it can be difficult to prove liability,
and adjusters are familiar with legitimate defenses as well
as some not so legitimate reason not to pay. Some of
the main types of insurance coverage triggered in personal
injury claims include automobile liability insurance,
personal injury protection, medical pay, underinsured
motorist coverage, uninsured motorist coverage, commercial
liability insurance coverage, and homeowner's liability
insurance coverage. For the lay person it is difficult
to determine which insurance is triggered when and what
limits apply. Lay people also often have trouble
calculating what damages apply to which policy, if
subrogation interests apply, and how to prove liability.
For this reason it is often beneficial for injured claimants
to hire an insurance lawyer that is familiar with personal
injury insurance claims to help them investigate and
negotiate their claim.
Homeowner's Insurance
Claims
Homeowner's Insurance
first party claims can also be complicated insurance claims
in that most people do not read their homeowner's policy
until something bad happens. Once they do read the
policy, they quickly see that the policy has complicated
insurance language including an adjuster favorite
"exclusion". Determining what these policies actually
cover can be extremely tricky. When interpreting these
insurance contracts it is important to know that there is a
big difference in an insurance agent who sells you the
policy and the insurance adjuster who determines if and when
your claim gets paid. Be careful what you say to your
adjuster and make sure that you have a copy of your policy.
Insurance adjusters don't always give out policies and
usually do not tell you when they see a legitimate claim.
The claimant typically has to read the policy and prove the
claim themselves. It is often helpful to hire an
attorney familiar with homeowner's insurance claims to
assist with an insurance claim including fire damage, water
damage, burglary, theft, flooding, or storm damage.
General Commercial Insurance
Claims and Covered Loss of Business Claims
Whether you are a
business or injured by or at a business commercial insurance
claims can be difficult and complicated insurance claims.
These claims are typically fought hard because the policy
limits are typically a million dollars or more. These
commercial policies can be extremely complicated and can
include loss of business coverage, inventory coverage, and
personal injury coverage.
As a business owner there
is nothing worse than having an employee negligently cause a
death or serious injury or having your entire inventory
destroyed and then learn that your insurance
company is denying coverage and refusing to provide a legal
defense on the claim. These situations have become
more common over recent years as insurance companies have
found that it is often easier to deny coverage on policies
that they write or send a
reservation of rights letter to their insured, than to pay
or fight
a legitimate claim for hundreds of thousands of dollars.
As a person injured by a
business, you are typically not only attempting to seek
compensation from the business, but have to fight an
insurance company whose main goal is to delay and deny
claims to avoid having to pay money or compensation to
claimants. The policies are rarely produced unless a
suit has been filed and it is even more rare for the policy
limits on these claims to be paid unless a law suit has been
filed.
Insurance Companies Pay Millions
for Insurance Adjusters & Lawyers
The Insurance Companies
spend millions of dollars to avoid paying reasonable
compensation on legitimate claims. They have insurance
adjusters and lawyers to protect their money and profits.
Many of these insurance adjusters and some insurance lawyers
will look for any excuse or reason to avoid paying fair compensation
to those seriously injured or the families of persons killed
in an accident. The insurance companies often prefer to pay as little as possible on
legitimate accident claims when they can get away with it.
If you don’t have a lawyer and have been offered
compensation on a current claim, it is possible that you are
eligible for cash damages many times what is being offered.
Hiring an attorney especially in catastrophic damage cases
can greatly increase the amount that you recover in your
claim for damages.
Austin Texas Insurance Lawyer
Jason Coomer has years of litigation experience and the
necessary knowledge to make sure that insurance companies
pay reasonable compensation on legitimate claims.
Making insurance companies fully compensate claimant under
Texas law is important and requires special know how,
experience, hard work, and determination. Austin Texas
Insurance Lawyer Jason Coomer has helped the families of those killed and seriously injured
obtain compensation for their losses. He prides himself on successfully
battling large insurance companies and big businesses to
make sure they pay fair and reasonable compensation for damages caused
by drunk, reckless, careless, or negligent drivers and on
other insurance claims including fire claims, black sewage
waters, water damage claims, and loss of business claims. He
handles insurance claims in Texas and often works with other
Texas Insurance Claim Lawyers in
Austin, San Antonio,
Dallas, and
Houston.
Please
feel free to contact
Texas
Insurance Lawyer Jason S. Coomer for
additional information on an insurance claim including
vehicle collision claims,
accidental death claims,
fire claims,
water damage claims,
black water sewage
claims, loss of business claims,
truck
accident claims, and other insurance claims. Don't think that if you
have suffered serious injuries, lost a loved one, have
significant business damages, or have lost your home &
possessions that the insurance industry or an insurance
adjuster will take care of you or
voluntarily pay you for all the damages that you have
suffered including medical bills, lost wages,
pain & suffering, impairment, disfigurement, and other
damages that you have suffered. They probably
won't. In fact, many insurance adjusters will offer
low settlement amounts hoping that you will sign away your
claim prior to knowing the full extent of your damages.
Some insurance adjusters will even delay and allow
the statute of limitations to run in an attempt to relieve the insurance
company of any liability. It is often a good idea to
seek the services of a good Texas insurance claim lawyer to
assist you in seeking fair compensation for your claims.
|
