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Texas Insurance Coverage Lawyer – Who’s Who?

One of the interesting sites that tell you exactly were to avail and whose services to avail when it comes to legal professional help is the Super Lawyers where fellows rate their member lawyers on who is who when it comes to a particular practice location. A Texas insurance claim lawyer who is prominent in the filed of insurance not only in Texas and often named in Super Lawyers is Wade Birdwell who holds office at Forth Worth in Texas. Birdwell’s fields of specializations are on appellate case, medical malpractice, personal injury defense, and insurance coverage. He graduated from University of Houston Law Center and was named as one of Texas’ Super Lawyers in 2007.

Another super lawyer is Mark Kincaid who holds office at Kincaid and Horton LLP in Austin, Texas. He also specializes in insurance coverage and is adept in business litigation and professional liability. Kincaid who is a graduate of University of Texas School of Law has been consistently named as one of Texas’ Super Lawyers from the years 2003 to 2007. Kincaid established a credible reputation as a Texas insurance claim lawyer. Kincaid was voted to become a Super Lawyer by his fellow lawyers who recognize his brilliance in representing not only individuals but also known companies in litigation cases that involve insurance companies that fail to pay the insurance coverage or exercised bad faith in their dealings with their insurance policy holder. He also co authored a book entitled Texas Practice Guide: Insurance Litigation and also teaches the course on Insurance litigation.

Still another 2004 to 2007 Super Lawyers is Sylvan Lang of the Lang and Kustoff LLP who holds office in San Antonio. This Texas insurance claim lawyer has long experience in handling cases that not only involve insurance litigation but cases that involve consumer rights in general. He has been considered as among the best lawyers who can defend personal and economic injury cases of consumers.

There are still many Texas insurance claim lawyers who can very well help you with all your insurance concerns and insurance claims. You can check on available insurance lawyers in Texas in the internet by simply typing the keyword and choose from the firms that are listed in the page. The firm usually suggests their best lawyers who are considered experts in the field of insurance laws.

Disability Insurance Lawyers

Employers often offer Group Benefit Plans that include long term disability benefits and provide some guidance to employees on how to submit a claim.

For professionals who own their own policies, maneuvering through the red tape to file a disability claim, and prove to the insurance company that it is valid, can be comparatively more difficult.

Private disability plans in Canada pay benefits after the expiration of a waiting period of usually between 30 – 90 days or longer depending on the particular policy. Many private policies provide for long term benefits, in the event that the policy holder is totally disabled from their own occupation.

For younger policy holders, it can be even more difficult to get insurance companies to agree to long term disability benefits, as the length of time they are paying out benefits will be longer.

Many cases are resolved by negotiating a lump-sum settlement as both the policy holder and the insurance company prefer to end their ongoing relationship in exchange for a mutually agreeable compromise.

Hiring David Share Associates to help you secure all the long term benefits you deserve can make all the difference. Our skilled lawyers can successfully maneuver through the red tape to simplify your policy and interpret it to your advantage. For peace of mind, and maximum long term disability benefits when you need them, turn to David Share Associates based in Toronto and throughout Ontario.

Insurance Disputes and Bad Faith – Differences in These Actions and How to Retain Insurance

Each state has its own set of laws that address the selling of insurance policies and how loses on these policies are to be handled with an insured. Each state also has its own Commission which is in charge of making sure that companies doing business in their state are following the insurance rules for that state. Just because there are regulations pertinent to insurance companies, it does not mean that these companies don’t sometimes engage in activities that are contrary to state law. When a company violates these state mandated principles governing insurance agreements, it may constitute a breach of the policy or even be considered bad faith. The company taking to much time in making a decision on a claim or requiring unreasonable actions or documentation from an insured to prove a claim can evidence bad faith.

In addition to the value of the claim itself, the remedy for an company’s breach of the policy, an insurance company acting in bad faith may also be liable for damages for causing emotional distress to the plaintiff and perhaps even punitive damages if their pattern of conduct is so outrageous to disturb the general public. Types of insurance policies where a breach of the policy or insurance bad faith may occur include: homeowner’s insurance, fire insurance, uninsured motorist insurance, commercial insurance, life insurance and health insurance policies. Types of claims can include the following types of insurance losses: fire loss, theft loss, flood loss, weather related loss, automobile loss, commercial losses, health claims and life insurance claims.

Should you be involved in a situation where your company is denying your claim, demanding unreasonable hoops for you to jump through or is dragging its feet in advising you if your claim is accepted or denied, you should engage the help of an experienced insurance dispute or bad faith lawyer. The experience you should look for in hiring an expert insurance lawyer should be whether or not the attorney has insurance experience. Such experience should be in the form of whether or not the attorney has handled these types of claims before, whether or not the lawyer is a former insurance adjuster or whether or not the attorney has previously represented insurance companies at some time in his practice. A well-seasoned and experienced insurance lawyer will have many cases under his belt and will be familiar with all the language of the insurance agreement. Such language is usually highly technical and may be difficult for some to understand.

In addition to the experience a lawyer may have you also need to make sure that the insurance attorney has the resources and funds to be put forward in any insurance breach of contract lawsuit or any insurance bad faith litigation. The cost alone in these types of cases could run into the 4 to 6 figure range. Such cost include the hiring of insurance experts to provide a coverage opinion in your case and to provide deposition testimony. In short, these types of cases can be very complicated, technical and expensive. Therefore, take care in hiring an insurance dispute attorney and an insurance bad faith lawyer.