When Insurance Fails You, We Fight Back

Insurance companies promise protection—but when it’s time to file a claim, many Texans are shocked by delays, denials, or lowball offers. Whether your claim is for auto accidents, storm damage, or personal injury, Francis Injury is ready to fight back. As seasoned Texas insurance claim attorneys, we make sure you’re not pushed around by billion-dollar insurers. If you’ve been mistreated, you may have a legal case for bad faith insurance practices.

Signs the Insurance Company is Acting in Bad Faith
Common Types of Insurance Disputes in Texas
How the Claims Process Works in Texas
Your Rights Under Texas Law
When to Hire a Texas Insurance Claim Lawyer
FAQs

⚠️ Signs the Insurance Company is Acting in Bad Faith

Texas law prohibits insurance companies from operating in bad faith. But that doesn’t stop them from trying. If you notice any of the following signs, call Francis Injury immediately:

They delay payments without clear reason
They ask for excessive, unnecessary documentation
Your claim was denied without valid explanation
They offer a settlement far below actual damages
The adjuster avoids your calls or changes their story

Our legal team can step in and hold insurers accountable. We have a proven track record of forcing settlements that reflect your real loss—plus interest and penalties where applicable.

📂 Common Types of Insurance Disputes in Texas

Insurance issues come in many forms. At Francis Injury, we handle:

✅ Car Accident Claims

Texas is an at-fault state. If the other party’s insurer denies your claim or blames you unfairly, we’ll fight for full compensation.

✅ Storm & Property Damage Claims

Hail, floods, and hurricanes cause billions in losses annually. Homeowners often face undervalued repair estimates. We take on insurance giants that minimize structural or mold damage.

✅ Health Insurance Claim Denials

Was your necessary medical treatment denied? You may be entitled to compensation beyond the cost of care. Insurers that violate Texas Department of Insurance regulations can be sued directly.

✅ Life Insurance & Disability Claims

If a loved one’s life insurance claim was denied or delayed, or your long-term disability benefits were terminated, we can help appeal and litigate for the benefits you were promised.

📝 How the Insurance Claims Process Works in Texas

Understanding the claims process helps protect your rights:

File Your Claim – Report the incident to your insurer ASAP.
Adjuster Review – The insurer assigns an adjuster to inspect damages.
Settlement Offer – You receive an offer (often far below real value).
Negotiation or Legal Action – With our help, you may push for more or go to court.

Don’t sign anything until an attorney reviews it. You could be waiving future legal rights.

📜 Your Rights Under Texas Insurance Law

The Texas Insurance Code protects consumers. Here are key rights you have:

The right to receive a decision on your claim within 15 days
The right to clear and specific denial reasons
The right to file a complaint with the Texas Department of Insurance
The right to sue for bad faith damages and penalties

If your insurer violates these rights, you can recover not only what you’re owed, but additional compensation for emotional distress, delay damages, attorney fees, and more.