Top 10 Reasons Why Your Case Could Take Longer Than You Expected

Navigating personal injury claims in Corpus Christi can be a lengthy process due to various challenges posed by insurance companies. Issues such as claim denials based on cosmetic exclusions, delayed claim processing times, and disputes over policy interpretations often extend the duration of legal proceedings. Additionally, tactics like low settlement offers and lack of communication from insurers can further complicate and prolong the process. Having a personal injury lawyer can be crucial in effectively managing these obstacles and ensuring a thorough handling of your case, but patience is essential as these matters can take time to resolve fully.

 

1. Claim Denials: Insurance companies, including major ones like State Farm, Liberty Mutual, and Allstate, often deny claims citing cosmetic exclusions in policies to avoid covering hail damage. This can particularly impact claims for metal roof repairs where insurers may cover only partial repairs instead of full replacements necessary for substantial damage​ (Gravely Law)​.
2. Delayed Claims Processing: The Texas Department of Insurance outlines that insurers must acknowledge and start investigating a claim within 15 business days after receiving it. However, insurers can extend this period by up to 45 days, which can significantly delay the process​ (The Texas Law Giant)​.
3. Dispute over Policy Interpretation: Insurers like PURE Insurance use vague language or cosmetic damage exclusions in their policies to deny coverage for certain types of damage, such as scratches or dents from hail, which they classify as non-functional or cosmetic​ (Gravely Law)​.
4. Low Settlement Offers: The Krist Law Firm, P.C., notes that insurers in Texas are obliged by law to attempt good faith negotiations for clear liability claims. However, some still try to underpay or use unfair tactics to deny coverage​ (The Krist Law Firm, P.C.)​.
5. Lack of Communication: Gravely Law points out that insurers may engage in bad faith practices like failing to communicate effectively with policyholders, requesting unnecessary documentation, or not providing clear explanations for claim denials​ (Gravely Law)​.
6. Use of External Adjusters: The practice isn’t directly addressed in the recent findings, but the issues of delayed claims and lack of communication suggest that external adjusters could contribute to these problems by not aligning fully with the policyholders’ interests.
7. Complex Claims Process: The requirements and deadlines set by the Texas Department of Insurance indicate a structured yet potentially complex claims process that can be challenging for policyholders to navigate without legal assistance​ (The Texas Law Giant)​.
8. Unfavorable Policy Changes: Insurers often embed unfavorable terms like cosmetic exclusions within policies which are only disclosed or emphasized after a claim is made, leading to disputes and potential denials​ (Gravely Law)​.
9. Questionable Financial Stability: This issue wasn’t highlighted in the recent search, but generally, smaller or financially unstable insurers might struggle with timely claims processing and payments.
10. Aggressive Legal Tactics: Insurers’ obligation to deal in good faith contrasts with their frequent attempts to minimize payouts or deny claims, reflecting an aggressive stance against policyholders. Legal firms like The Krist Law Firm, P.C., emphasize the need for legal intervention to counter such tactics​ (The Krist Law Firm, P.C.)​.

If you’re dealing with claim denials, delayed processing, or low settlement offers from insurance companies in Corpus Christi, having a knowledgeable personal injury lawyer by your side is essential. Insurance companies, including well-known ones like State Farm and Allstate, often use tactics such as citing cosmetic exclusions to avoid covering full damages, especially for metal roofs, or extending claim processing times, which can significantly delay your case. Your personal injury lawyer in Corpus Christi can help navigate these complexities, ensuring that your rights are protected and you receive the compensation you deserve.