What legal recourse do I have if I am denied an insurance claim?

If you are denied an insurance claim in Texas, you have the legal right to appeal the decision. You should start by reviewing your policy and researching common reasons for denials of coverage. If the denial appears to be in violation of the policy or Texas law, you can start the appeals process. In Texas, the first step is usually to request an internal review with the insurance company. During the review they will consider any new evidence you provide and determine if they need to adjust the decision. The review may take up to 45 days and you can continue to provide evidence for consideration during this time. If the internal review does not provide the desired result, you can move to the second step and file an appeal with the Texas Department of Insurance. There will be a hearing officer assigned to review the case and you will have the opportunity to present evidence and testimony at the hearing. The hearing will be scheduled approximately 60 days after the appeal is filed. You also have the option to pursue your claim in court. If the insurance company is found to have acted in bad faith, you may also be able to file a claim for damages. Your best option is to consult a qualified attorney who can review the facts of your case and help you understand your rights and how to pursue the legal recourse available to you.

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What legal recourse do I have if I am denied an insurance claim?

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