The Insurance Company Has a Lawyer. You Should, Too.
You’ve been in an accident and did the responsible thing by filing an Insurance claim. But the company you’ve paid to protect you is now treating you like an adversary. They’re delaying your payment, offering a fraction of what you need for your Medical expenses and Property damage, or have denied your claim altogether. You feel stuck, powerless, and angry.
You do not have to accept their decision. As your dedicated motorist insurance claims attorney in Houston, TX, Hirani Law Firm fights back against unfair insurance tactics. We know their playbook, and we use it against them to demand the full compensation you are owed.
Fight Your Denied Claim – Get a Free Consultation
Understanding Your Motorist Claim: UM/UIM & Bad Faith
Navigating an insurance policy after an accident can be confusing. Two of the most critical areas where disputes arise are Uninsured/Underinsured Motorist claims and Bad Faith practices.
Uninsured/Underinsured Motorist (UM/UIM) Coverage. This is a vital part of your own auto insurance policy that you pay for. As an experienced Katy, TX uninsured motorist claims lawyer, we know how crucial this coverage is.
It is designed to protect you financially when you are hit by a driver who has no insurance or not enough insurance to cover your damages. Your own insurance company should step up and pay for your losses, but they often fight these valid claims just as hard.
Bad Faith Insurance Practices An insurance company has a legal duty to treat its policyholders fairly and honestly. When they fail to do so, it’s known as bad-faith insurance. As your insurance bad faith attorney in Katy, Texas, we hold insurers accountable for actions like:
- Unreasonably denying a valid claim without proper investigation.
- Intentionally delaying payments for an unreasonable amount of time.
- Offering a settlement that is far below what your claim is worth.
- Misrepresenting the terms of your policy to avoid paying.
We Fight Back Against Unfair Insurance Tactics
Insurance companies are businesses focused on profits, not people. Their adjusters are trained to minimize payouts. We are trained to stop them. Our Houston Katy insurance claims attorney team provides aggressive representation in all types of Insurance dispute cases.
Denied Insurance Claims
An outright Claim denial can feel like a final decision, but it’s often just a negotiation tactic. As the best Houston attorney for denied insurance claims, we meticulously review the denial letter, your policy, and the facts of your case to build a powerful appeal and, if necessary, file a lawsuit.
Lowball Settlement Offers
The first offer is rarely the best offer. We are experts in Settlement negotiation. We gather all evidence of your damages—medical records, repair estimates, and proof of lost wages—to prove the true value of your claim and force the insurer to make a fair offer.
Delayed Claim Payments
Justice delayed is justice denied. We are a Katy, TX, lawyer for delayed insurance payouts who will use legal pressure to combat unreasonable delays. We can send formal demand letters and file lawsuits to compel the insurance company to act in a timely manner as required by the Texas Department of Insurance (TDI).
Why Choose Hirani Law Firm for Your Insurance Dispute?
- We Know Their Tactics: Attorney Sehar Hirani is a skilled negotiator who understands exactly how an Insurance adjuster operates. We anticipate their strategies and build a case designed to overcome their objections from day one.
- We Are Trial Lawyers: Insurance companies are far more likely to offer a fair settlement when they know they are up against a Trial lawyer who is not afraid to take them to court. We prepare every case for litigation, giving you maximum leverage.
- Dedicated to Policyholder Rights: We are passionate advocates for individuals, not corporations. We believe in protecting Policyholder rights and forcing insurance companies to honor the promises they make in their policies.
- Proven Advocacy: As a “Lead Counsel Verified” firm, we are recognized as one of the best motorist insurance attorneys Houston has to offer, committed to fighting for what’s right.
Don’t Let Them Get Away With It.
Call to Challenge Your Denial Book Your Free Case Review
Insurance Claim FAQs: Your Questions Answered
What should I do if my car insurance claim is denied in Texas?
First, demand a reason for the denial in writing. Do not get into a prolonged argument with the adjuster. Instead, gather all your documents—the policy, the denial letter, and any evidence from your accident—and contact an experienced insurance dispute attorney immediately.
How do I file an uninsured motorist claim in Houston, Texas?
You must notify your own insurance company that you have been in an accident with an uninsured driver. You will then open a claim under the Uninsured/Underinsured Motorist (UM/UIM) portion of your policy. It’s highly advisable to have an attorney manage this process, as your own insurer may still treat your claim adversarially.
Do I have to accept the insurance company’s first settlement offer?
Absolutely not. The first offer is almost always a lowball tactic to see if you will accept less than what your claim is worth. Never accept any offer or sign any release without having it reviewed by an attorney.
What is considered “bad faith” by an insurance company?
Bad faith is when an insurer fails to deal fairly with its policyholder. Examples include denying a claim without a valid reason, failing to conduct a reasonable investigation, or making unreasonable delays in payment.
How long does the insurance company have to pay my claim in Texas?
Under Texas law, once an insurance company receives all necessary paperwork and agrees that a claim is valid, it generally has five business days to issue payment. If they are delaying beyond this without a good reason, you may have a bad-faith claim.
Schedule Your Free, Confidential Consultation
If you are fighting with an insurance company, you need a powerful advocate in your corner. Contact Hirani Law Firm for a motorist insurance claims attorney free consultation, Houston residents can trust. As your Katy, TX, lawyer for insurance claim negotiations, we are ready to fight for the payout you deserve.
Call Us Today: 281-665-8188
Visit Our Office: 22316 Grand Corner Dr, Suite 130, Katy, TX 77494, United States.