Law office of David Leon, Dallas, Texas

DAVID L. LEON, PC
Attorneys and Counselors at Law
Dallas, Texas

(214) 696-0021 (click to call)

Please click on a link below to learn more about our other practice areas:

AUTO ACCIDENT FREQUENTLY ASKED QUESTIONS

BAD FAITH AND UNFAIR INSURANCE PRACTICES, WHAT YOU NEED TO KNOW

LIFE INSURANCE PROBLEMS, HOW TO BE PREPARED

PREMISES LIABILITY, NEGLIGENT SECURITY, SLIP AND FALL INFORMATION

WRONGFUL DEATH, TRAUMATIC BRAIN INJURIES, ESTATE AND PROBATE MATTERS
WHAT YOU NEED TO DO

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Problems with your insurance company?

We represent clients in Texas and, with qualified co-counsel, clients across the United States who have suffered from unfair, bad-faith insurance practices. We fight insurance companies due to wrongful refusal to pay, bad faith denial, unfair settlements, wrongful payments to beneficiaries, fraud and unfair insurance practices. This includes homeowner's policies, business insurance, title insurance, health insurance and life insurance cases. Feel free to call our office at (214) 696-0021 (click to call) or contact us for a free consultation.

Here are some common insurance issues that we address in our office:

"My insurance company wrongfully denied my claim"

An insurance policy is a contract between you and your insurance company. If you make a claim under your policy, Texas law requires that your insurance company acts "reasonably" and in "good faith" when determining whether or not to pay benefits under a policy. If an insurance company fails to act reasonably, it has violated Texas law and you may be entitled to damages.

An insurance company owes a fiduciary duty to its insureds. This means that the insurance company may not put its own interest above that of an Insured. Texas law requires that insurance companies act fairly when dealing with their insured.

Not all denials are done in bad faith, however. If an insurance company has a good reason to deny a claim, then it has acted in good faith. Some examples are: the insured failed to cooperate with insurance company, a policy lapsed, a loss is not covered by the policy or there is fraud. In cases such as these, an insurance company can deny a claim.

What you need to do if you feel that the insurance company wrongfully denied your claim: If you feel your claim was wrongfully denied, you will need to act quickly, as policies will generally have a short period for appeals. There are also relatively short time limits in which you can sue. It is very important that you READ YOUR POLICY to ensure that you have complied with all of their prerequisites. If you are still being denied, you will need to assemble all of your written materials. This includes your policy, your claim form and any letters between the two of you. Second, you will need to document every phone call, with time, date and the person with whom you spoke. Third, you will need to make a time line of events that lead up to this point. Fourth, you will need to take these materials to an attorney for review as soon as possible. Feel free to call our office at (214) 696-0021 (click to call) or contact us for a free consultation.

"My insurance company keeps giving me the run around"

Insurance companies have a duty to promptly determine coverage and if appropriate, pay claims.

What you need to do if the insurance company gives you the run around: One thing to remember when dealing with an insurance company--GET IT IN WRITING. If you speak with an adjuster, write down the adjuster's name, contact information, date and time of your call and take detailed notes regarding the conversation. Also, follow up any conversation with a letter and keep a copy. Make sure to keep copies of all correspondence both ways. You never know when there will be a problem with a claim so it's a good idea to properly document all communications with the insurance company from the beginning. If you have already started communicating with the insurance company, then start making your list of conversations now. Once you have complied this information, call our office at (214) 696-0021 (click to call) or contact us for a free consultation.

"My insurance company made an unreasonably low offer on my case"

You have the right to recover the full value for your loss. If the insurance company's offer is a reasonable one, then they have not committed bad faith. If the offer is unreasonably low, or you can show that the insurance company is purposefully taking advantage of your situation, then there may be a case for bad faith.

What you need to do if you feel that the insurance company has made an unreasonably low offer on your claim: Provide the insurance company with as much evidence as you can to support your evaluation of the claim. This could be receipts, photos of property damage, comparable sales of similar items and the like. If the insurance is still unwilling to act reasonably, then you may wish to contact an attorney. Feel free to call our office at (214) 696-0021 (click to call) or contact us for a free consultation.

"I can't afford to hire a lawyer to sue my insurance company"

You can have your case evaluated by a lawyer for free. In many cases, we can accept a case on a contingent fee basis. This means that you pay no legal fees unless we collect for you. Feel free to call our office at (214) 696-0021 (click to call) or contact us for a free consultation.

This is a general information site. The information you obtain at this site is not, nor is it intended to be, legal advice.
You should consult a lawyer for individual advice regarding your own situation. Not certified by the Texas Board of Legal Specialization. Cases may be worked on jointly or referred. No attorney client relationship exists absent a signed agreement from our firm.