Laredo Wrongful Denial of Insurance Claims

You Have the Right to Challenge a Denied Insurance Claim in Laredo

Being denied an insurance claim can be financially devastating – especially when you’ve paid your premiums faithfully and expected your insurer to support you in a crisis. Unfortunately, insurance companies in Laredo and throughout Texas often deny valid claims to protect their profits.

They may argue that you misrepresented information on your application, omitted medical details, or that your loss isn’t covered under your policy. Sometimes the denial is based on vague policy language or technicalities buried in the fine print. No matter the excuse, you don’t have to accept an insurance denial without a fight.

Common Reasons Insurance Companies Deny Claims

Insurers use many justifications – some valid, many not. Common reasons include:

• Alleged errors or omissions on your application
• Claims denied due to “pre-existing conditions”
• Missed premium payments or late claim filing
• Denials claiming treatment was “not medically necessary”
• Ambiguous or misleading policy exclusions
• Disputes over cause of death in life insurance claims
• Accusations of fraud or misrepresentation

Even if the insurer claims your injuries, disability, or losses don’t meet their standards, that doesn’t mean their decision is lawful.

Your Rights Under Texas Law

Texas law protects policyholders from unfair insurance practices. Under the Texas Insurance Code and Texas common law, insurers must act in good faith, meaning they must:

• Investigate claims promptly
• Evaluate claims honestly and fairly
• Provide valid reasons for any denial
• Avoid misleading or deceptive practices

If they fail to do so, you may have a bad faith insurance claim or grounds for a wrongful denial lawsuit.

You have the right to:

• A written explanation of your denial
• A review or appeal of the decision
• Access to claim file records
• Take legal action if the insurer violated Texas law

What to Do After an Insurance Claim Denial in Laredo

If your claim was denied:

1. Read the denial letter carefully — note the insurer’s stated reason.
2. Gather supporting documents — such as medical records, bills, and emails with the insurer.
3. Do NOT argue with the adjuster — they represent the insurance company, not you.
4. Contact a Laredo insurance denial attorney to review your case and protect your rights.

How The Law Giant Can Help

At The Law Giant, Personal Injury & Accident Lawyers, our Laredo insurance denial attorneys know the tactics insurers use—and how to defeat them. We will:

• Review your policy and the denial explanation
• Collect evidence supporting your claim
• Handle all communication with the insurance company
• Negotiate for a fair settlement
• File a lawsuit if needed to enforce your rights

We handle wrongful denials involving:

• Life insurance
• Disability insurance
• Health insurance
• Homeowners or renters insurance
• Auto and accident insurance
• Commercial and business insurance

Get the Benefits You Paid For

A denial is not the final word. With the right legal team, you can challenge the insurer’s decision and hold them accountable.

If your insurance claim was denied in Laredo, call The Law Giant today at 956-982-1800 or contact us online for a free case evaluation. We’ll fight to secure the coverage and compensation you deserve.