As car accident lawyers, we’ve seen plenty of unsavory behavior from insurance companies: lowballing their customers, missing deadlines, postponing investigations, or flat-out refusing to pay.
Still, as much as they’ll try to squirm out of it, insurance companies owe a responsibility to their policyholders. They must uphold their end of the contract you’ve signed with them.
If your claim was unfairly denied, you can sue the insurance company. You can either take them to small claims court yourself, or partner with a lawyer for best results.
An insurance company might deny your claim for the following reasons:
You missed payments.
You let your policy lapse.
You failed to report another accident you were in.
You missed a deadline. (The Texas statute of limitations for car accidents is two years from the date of the incident. This means you must file your claim before the two-year time frame is up. The sooner you file, the easier it will be to collect and preserve evidence.)
Whatever the reason may be, you are owed an explanation. More importantly, you still have options. Let a car accident lawyer deal with all the headaches insurance companies will try to cause for you.