Insurance disputes are part of personal injury practice. Insurance companies have an inherent conflict of interest with our clients. They want to pay as little as possible and we want as much as possible for our clients. It’s a common belief among plaintiffs’ attorneys that insurance companies would rather pay more money to their lawyers than to injured persons. Low settlement offers by insurance companies are not the only type of insurance disputes that Mehaffey & Watson handles.
Sometimes your own insurance company is in breach of their contract of insurance with you or is guilty of the tort of “breach of the duty of good faith and fair dealing.” Even your own insurance company wants to save money and sometimes this is done at your expense. For example, when you file a claim on your own uninsured or underinsured motorist your own insurance company’s duty to pay is determined by their contract with you. Your insurance company has a duty to protect you according to the terms of your contract and if they fail to do so they may be guilty of a breach of contract, violation of the Texas Insurance Code, Violation of the Texas Deceptive Trade Practices Act, or guilty of the Tort of Breaching the Duty of Good Faith and Fair Dealing.