Unfortunately, insurance companies aren't all "like good neighbors." Whether the adjuster won't call you back, the company is denying your claim, there's a dispute on coverage or more, rest assured that you aren't completely powerless to fight back.
Contact the Insurance Company First
Though you might be eager to go "higher up," your best bet is to first contact your insurance company and let them know what's going on. You can call your claims adjuster and ask to speak to their supervisor, for instance, or call the toll-free help line for the company (all Texas insurance companies are required to have one).
When you call the insurance company's customer support number, document the time, date, nature of your argument and the name of the person you talked to. You must cover your argument in order to be successful.
A lot of complaints can be solved at this level, without any interference from the Texas Department of Insurance, but inevitably some cannot.
Call the Texas Department of Insurance (TDI)
In Texas, there's an agency called the Texas Department of Insurance that's responsible for investigating complaints. The Texas Department of Insurance can help you with your complaint against the insurance company, HMO, insurance agent, or adjuster.
When you call TDI to make a complaint, they will first ask you if you've tried to resolve the issue with your insurance company's complaint department, so don't skip step one.
The TDI handles complaints concerning issues of false advertising, suspected insurance fraud, misrepresentation and claim and benefit disputes. The Texas Department of Insurance is there to protect you from unfair insurance practices.
You should know that they cannot act as your lawyer. That means they can't give you legal advice, give an estimate regarding damages or make any judgments on you medical conditions or injures. All the Texas Department of Insurance can do is determine if an insurance company should be covering your injuries based on your policy.
If you've been hurt in Texas and you want to know more about your legal options, you can contact me at the Anderson Law Firm at 817-294-1900. I offer free, no obligation case reviews.
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