Are you waiting for a response to an insurance claim you filed in Texas? If this is the case, you may be asking what you should do next. Dreyer & Mazaheri firm understands that navigating this procedure on your own can be difficult. Continue reading to learn more about the insurance claims settlement procedure in Texas and how we can assist you.
In Texas, Does An Insurance Company Have To Respond To My Claim?
In a nutshell, sure. An insurance company is required under Texas law to react to file a claim. According to Texas Statutes Section 542.055, an insurer must perform the following within 15 days after receiving notification of a claim from a claimant:
- Acknowledge receipt of the claim;
- Next, do an inquiry into the claim; and
- Request pertinent information, statements, and forms from the claimant to aid with the claim investigation.
The failure of an insurer to acknowledge receipt of your claim is a violation of the statute. However, the legal requirements do not stop there. In addition, an insurer must notify you whether or not your claim has been accepted. In most cases, Texas Statutes § 542.056 requires insurers to notify claimants of acceptance or denial of a claim within 15 days after receiving all items, declarations, and documents required to investigate the claim. An insurer can sometimes extend this to 45 days, but they must have a good reason. In addition, if the insurer denies your claim, they must give you with the reasons for the denial.
It is critical to understand your legal rights. If an insurance company rejects your claim for no apparent reason, or if they fail to answer within the required term, you may need to take legal action. An expert Insurance Claim Attorney in Texas can advocate on your behalf.
When Does The Insurance Company Pay The Claim?
If an insurer informs you that they will pay a claim or a portion of a claim, they must do so within a certain time frame. They are not allowed to continue delaying payment under Texas law.
In general, according to Texas Statutes Section 542.057, an insurer have to pay an accepted claim no later than the fifth business day after the date notice is made. In fact, you may be entitled to monetary compensation if an insurer fails to do so.
How a Texas Insurance Claims Attorney Can Assist
You may believe there is little you can do if your insurance provider has delayed responding to or settling your claim. This, however, is not the case. Understand that you have rights and that you can take action.
Allow an insurance company to continue delaying your claims process. A lawyer can help you preserve your rights and fight for you. Make a call with one of our professional insurance claim lawyer to get the best possible results. Because it’s necessary to file a claim within the limited time frame otherwise it’ll not going to give you results.
