Many insurance policies are sold on the premise that purchasing the policy will remove all stress from the insured’s future. Unfortunately, insurance sellers are not as forthcoming about the possibility of the insurer denying a claim as they are about the supposed...
Year: 2024
After insurance pays out, how are supplements handled?
Making a claim to your homeowner’s insurance is nerve-wracking. You worry about being denied, and you worry about the effect on your insurance costs. However, you may not think about how supplemental costs are handled. Once your homeowner’s insurance claim in Texas...
Understanding the SSDI appeals process
Social Security Disability Insurance (SSDI) provides important financial assistance to persons who have been disabled by an injury or illness. Unfortunately, the vast majority of SSDI benefit applications are denied at the first level of administrative review. Persons...
Insurance companies using AI to determine how much to pay out for claims
We've all been hearing a lot about artificial intelligence over the past few years. Much of this discussion concerns AI-generated imagery and its implications for art, entertainment and news. We sometimes fail to notice how the technology is already at work in some...
The difference between the duty to defend and the duty to indemnify
Most businesses that purchase liability insurance policies expect the insurer to provide a defense if the policy holder is sued for a negligence act. In the mind of most insureds, the duty to defend is the same as the duty to indemnify. Unfortunately, the two...
What can I do if my health insurance will not pay?
Austin residents may hardly think about their health insurance as they go about their daily lives. They may glance over their Explanation of Benefits and just pay what the provider says the provider is owed. But in a major health crisis or after a serious injury,...
Uninsured motorists are still a problem on Texas roads
According to the Insurance Information Institute, Texas has relatively few uninsured motorists on its roads when compared to other states. However, there are still enough people driving without insurance in this state to present a serious economic problem for both...
Your legal protections for delayed or denied insurance claims
Our readers in Texas understand the basic concept of an insurance policy: the policyholder pays regular premiums and the insurance company pays any valid claims when necessary. Most people in Texas have home insurance, car insurance, health insurance, life insurance...
Homeowners insurance crisis deepening in Texas
In recent years, parts of the United States have experienced many staggeringly expensive natural disasters, including wildfires, floods, storms and more. In 2023, Texas experienced 16 disasters in which the cost was $1 billion or more. This was highest number of...
Once I file my insurance claim, how long do they have to respond?
For Austin, Texas, homeowners dealing with property damage, the expectation of a swift and equitable settlement from their insurance company is common. However, many find delays, denials or inadequate offers. The first question is often how long they have to respond...