Problems with the Insurance Company Claims, Denials, Payments or Settlements?
Dealing with insurance companies can be one of the most difficult things any of us have to do. Of course, you never have to make a claim in good times, but only when you have suffered a loss. While you are already facing a stressful situation, the insurance company can only make things MORE stressful when it refuses to deal fairly with injured people.
When you’re already dealing with injuries and financial stress, the LAST thing you need is for an insurance company to try to take advantage of you. The good news is that by hiring the right insurance claims law firm, you send them an immediate message that you’re ready to FIGHT. These companies know that Stewart J. Guss, Attorney at Law, and his team legal professionals do NOT back down! Call us for your FREE consultation at 800-898-4877, or you may contact us now by CLICKING HERE to submit your case for review.
There is NO cost to get a free consultation right now. If you decide to hire us, you pay us nothing up front, and you will pay absolutely nothing at all unless and until we’ve won your case. More than that, if you are uninsured, or cannot afford health insurance deductibles or co-pays, we may be able to help you obtain the medical treatment you need – at no up front out of pocket cost to you.
Types of Insurance Claims We Handle
We always hope and expect that an insurance company will fulfill its promise to us and promptly pay valid claims. Unfortunately, despite their constant promises to be a “good neighbor” or that “you are in good hands,” insurance companies can more often be difficult and obstinate in refusing to pay a legitimate claim.
Heading into an insurance claim, you may think that it’ll be business as usual. The policyholder (whether you or another party) paid the premiums, so the insurer should pay the claim, right? Always keep in mind that these insurers are corporations. Just like Walmart, Ford, or other major corporations, insurance companies are out to make money for THEMSELVES, not to protect you. Too often, this means complications, delays, and denials of your claim.
This is true of all of the many types of insurance policies out there that cover many types of situations. Policyholders can be individuals, small businesses, or large corporations. Policies may come into play if unavoidable damage occurs to your property or if you face liability for an accident and injuries to another person. No matter what type of claim you file, you should be able to expect the insurance company to live up to its end of the bargain and pay the claim – but that is very rarely the case.
As anyone involved in an insurance dispute knows, insurance companies are generally not eager to pay what you deserve. The insurance process is often a roller coaster of empty promises, complications, and attempts at manipulation by adjusters. Even for an experienced insurance claims law firm, it often takes many rounds of negotiation before the insurer will make an offer you deserve. Without the right law firm, the process can seem hopeless.
Fortunately for you, assistance with your insurance claim is available! Stewart J. Guss, Attorney at Law and his team of attorneys and legal professionals regularly assist clients in different situations with different types of insurance claims. Our office handles the following claims, among others, so call us right now for a FREE consultation at 800-898-4877, or CLICK HERE to send us a question or get more information about your situation.
Car Accident Claims
Insurance claims stemming from traffic accidents are some of the most common in Texas. Consider the following statistics for Texas and Harris County, reported by the Texas Department of Transportation (TxDOT):
- 265,431 people suffered injuries in Texas crashes in one year
- 17,602 people suffered serious injuries across the state
- Texas saw 3,794 traffic-related fatalities
- Harris County had 112,888 crashes reported
- Those crashes caused 33,140 “possible injuries,” 12,028 non-incapacitating injuries, 2,268 “suspected serious” injuries, and 447 fatalities
When you think about the many people who suffer injuries in car accidents in and around the Houston area, it’s no surprise how many car accident insurance claims occur on a regular basis. Some specific types of claims include:
Claims against other drivers – Many car accidents involve two vehicles and happen because the other driver was negligent in some way. Our law firm can identify when another driver should be liable for your injuries and losses, and we can file a claim with that driver’s auto insurance policy.
Auto insurance companies won’t simply accept your side of the story and issue payment. Instead, we work to prove liability on the part of the other driver. The insurer will often try to limit liability by claiming you were at least partially at fault for the crash. We know how to combat these allegations and seek the full amount you deserve from the negligent driver’s insurance company.
Uninsured motorist claims – Not every driver has the minimum insurance that Texas law requires. In addition, a driver may decide to leave the scene of the accident, leaving you as the victim of a hit and run and without any insurance information. In either of these situations, you can file a claim with your own uninsured motorist policy.
Many people think that because they pay their premiums on time, their own insurance company will be more cooperative. However, ANY insurance company can be difficult, whether it is yours or another driver’s. This can be particularly frustrating, as you pay for the ability to receive benefits when you need them! Our firm regularly helps clients with uninsured motorist claims with their personal auto insurance policies.
Rideshare accidents – Many people use rideshare companies like Uber and Lyft to get around the Houston area. While these services are convenient, rideshare drivers can get in accidents like any other driver. Whether you are an Uber or Lyft passenger or in another vehicle hit by a rideshare driver, you may need to file an insurance claim to recover for your losses.
Rideshare drivers should have their own personal auto insurance policies. However, if a driver has inadequate insurance or the policy refuses to cover a specific accident, Uber and Lyft each have $1 million insurance policies covering drivers who are actively engaged in a ride (which means picking up a passenger or transporting a passenger). These accidents may require a claim with the corporation’s insurance or even multiple insurance claims. We know how to handle these often complicated claims for Uber and Lyft accident victims.
Truck Accident Claims
Accidents involving commercial trucks can be particularly dangerous and may result in severe injuries. For this reason and more, truck accident insurance claims can be difficult to manage. First, you must determine which claims to file. Even if a truck driver caused a crash, the driver’s employer may be strictly liable for the negligence of its employee. This means you might file claims with the driver’s individual auto policy as well as the trucking company’s corporate policy.
Trucking companies know that transportation is a dangerous industry, and they assume they will face claims resulting from accidents. They generally have insurance companies and lawyers ready to fight against liability at all costs. Trucking companies have their own investigators who will try to prove that you were also responsible for the accident to limit your payout. These insurance companies mean business, so you need a law firm that means business, as well!
Premises Liability Claims
Not all accidents happen on the roads. As too many people know, you can suffer serious injuries while grocery shopping, at the mall, or at another large store, restaurant, hotel, or establishment. When these businesses allow hazards to persist, visitors and customers can get hurt, and the company should cover the costs of their injuries. Whether you suffered a slip and fall accident, a fall down the stairs, a swimming pool accident, or any other incident on a company’s premises, there will likely be an insurance battle in your future.
You may think that a company and its insurer will own up to its wrongdoing and want to make the situation right. This is usually not the case. Take, for example, how Walmart handles slip and fall claims. The company has its very own insurance company, Claims Management, Inc., devoted to handling ONLY claims against Walmart. The company’s entire goal is to LIMIT Walmart’s liability for accidents that happen in-store. If they are willing to form their own company for this purpose, you can imagine what type of fight they will mount during the claims process!
Premises liability claims against companies are no easier than traffic accident claims. No matter what type of insurance claim is in your future, it is best to expect obstacles and never think that the process is hopeless. To ensure the best outcome possible and to limit your stress, call our Houston insurance claim law firm for help BEFORE you even file your claim.
Obstacles You Might Face During the Insurance Process
No matter what you expect, the insurance process rarely goes as expected. Instead, there are hiccups and obstacles at seemingly every turn. Many insurance companies do this on purpose to frustrate claimants and drive them to accept a settlement simply to resolve the matter. After all, when you’re dealing with injuries, the last thing you want is to constantly deal with insurance adjusters, too! The following are only some possible obstacles that you may face after filing an insurance claim:
- The insurance adjuster wants you to give a recorded statement about what happened and your condition. You should NEVER do this and they don’t have the right to a recorded statement unless litigation is in process. Insurance companies have a talent when it comes to taking statements out of context to use against you to limit your claim. It is always better to have a law firm handle all communications for you.
- The adjuster claims you had responsibility for your accident. Many insurance adjusters will use any information possible (see above about recorded statements) to insinuate that you were also at fault for your injuries. In many cases, people don’t know how to fight these assertions or how to proceed. Our legal team regularly fights allegations of negligence regarding our clients. Additionally, under Texas law, even if you were 49 percent responsible for an accident, you still have the right to receive at least some compensation from the party that was 51 percent responsible.
- The adjuster questions the value of your claim. Often, insurance adjusters will approve certain damages you claimed but will refuse to pay others. They may justify a reduction in your claim by stating your injuries didn’t all result from the accident, that you didn’t need to miss as much work as you did, or that you didn’t need all the medical treatment you received. Our legal team is skilled at proving the severity and effects of all of your accident-related injuries to maximize your settlement.
The adjuster makes a lowball offer. Almost every insurance company will start with a ridiculously low offer on the off-chance that you actually accept it. ALWAYS, always have our law firm review a settlement offer before you accept ANYTHING.
- Facing obstacles in the insurance process is MUCH easier with the right legal team on your side. Our experienced lawyers and legal professionals can help in many ways throughout every step of your insurance claim.
Why Choose Our Team?
Insurance companies can try every trick under the sun to avoid making payouts, and many lawyers will offer to help you with your claim. So who do you choose? It’s important to remember that not all law firms have the same experience and values when it comes to handling insurance claims.
Some law firms will push clients to accept any offer so they can resolve a greater number of cases in a shorter period of time. These so-called “settlement mills” don’t always focus on what’s best for the client. Instead, they want to get clients in and out the door as fast as possible, which rarely results in a favorable outcome for those who may be already struggling.
Attorney Stewart Guss and his legal team put our clients’ interests FIRST, and we have decades of combined experience taking on insurance companies and beating them at their own game. Let us take the stress out of this for you, and get you the full payment that will cover your losses. It’s no more than you deserve!
- Stewart Guss and his team believe in respect, integrity and family values
- Our attorneys and legal professionals will always be there for you!
- With decades of combined experience, Stewart Guss and his team will work tirelessly to recover as much as possible on your claim
- Insurance companies can try every trick under the sun to avoid making payouts
- Let us take the stress out of this for you
- And, you don’t pay us anything unless we win your case!
Remember, we charge you NOTHING for the initial consultation, and we are available to answer your questions 24 hours a day, 7 days a week, at 800-898-4877, or CLICK HERE to submit your claim and get an immediate response and evaluation.
Choose a Houston Insurance Claims Law Firm With Strength and Experience
It is easy to feel like David taking on Goliath when you try to fight an insurance company, but remember the law is on your side. Insurance companies don’t want you to know that the law entitles you to compensation from liable parties. They will tell you ANYTHING to get you to back down.
An experienced insurance law firm can take on the giant insurance company and make sure they take you and your claim very seriously. As an attorney who has practiced insurance law for many years, Stewart Guss and his team are not afraid to stand toe to toe and go head to head with any insurance company around. Our law firm will fight for our clients’ rights and do everything in our power to see that insurance companies pay what they should on our clients’ claims. Your insurance company came around every time it wanted to collect your premiums, so now it’s time to make sure they pay your claim!
Not every attorney is ready to take on large insurance companies. Some lawyers hit a standstill when facing the insurer’s tricks and tactics, and they don’t know how to continue fighting for your rights. Such knowledge comes with years of experience dealing with all of the major insurance companies in Texas and throughout the United States. You not only need an attorney, but you need the RIGHT law firm handling your claim. Trust us when we say that our extensive experience handling ALL types of insurance claims make us a choice you can trust!
If you believe that your insurance company is not handling your claim fairly for whatever reason, call the law office of Attorney Stewart Guss and talk about it. Don’t EVER sign anything from your insurer until you speak with us, because you risk losing some or all of the compensation that is due to you. You can never go back and un-sign a settlement agreement, so it’s always wise to first go over any offers with a member of our team. It’s the best way to protect your rights.
Contact Our Aggressive and Trusted Houston Insurance Claim Law Firm RIGHT AWAY!
Stewart Guss and his team will do everything they can to obtain the best possible recovery on your claim, and we take pride in treating our clients like family. Because we take all of our personal injury cases on a contingency fee basis, you will not owe us a DIME unless we win your case. We are available 24 hours a day, seven days a week for a FREE consultation, so call us today at 800-898-4877 or contact us now by CLICKING HERE.
The legal team of Stewart J. Guss, Attorney at Law, is nationally recognized for protecting the rights of injured victims for more than 20 years. If you were injured in an accident and the insurance company is fighting your attempts at justice, call our office right now to schedule a free consultation!
Don’t Take Chances—Let Us Help You!
See what past clients have to say:
★ ★ ★ ★ ★
“Stewart Guss Legal Services. Stewart Guss was very efficient in the handling of my case. He explained my rights thoroughly and kept me informed of all negotiations. I would recommend his services to anyone needing assistance with their injury claim.”-Janet T.