Insurance Claim Dispute Lawyer

Fight Denied And Underpaid Claims

Why Insurance Companies Fight

Legitimate Claims

Austin injury victims face a harsh reality: insurance companies profit by denying, delaying, and undervaluing legitimate claims. You pay premiums faithfully for years, but when you finally need coverage after a serious accident, insurers deploy aggressive tactics to avoid paying what they owe.

Common Pain Points Injury Victims Experience:

• Outright Claim Denials: Insurance adjusters deny legitimate claims citing dubious policy exclusions, disputed liability, or claims that injuries aren’t severe enough despite clear medical evidence
• Lowball Settlement Offers: Insurers offer settlements covering only immediate medical bills while ignoring future treatment needs, lost earning capacity, and pain and suffering
• Endless Delays: Claims sit in “review” for months while adjusters request the same documentation repeatedly, lose paperwork, or simply don’t respond to communications
• Medical Treatment Denials: Insurance companies refuse to authorize necessary care claiming it’s not medically necessary, forcing victims to choose between mounting debt or forgoing treatment
• Pre-Existing Condition Arguments: Adjusters blame prior health issues for current injuries even when accidents clearly aggravated stable conditions
• Comparative Fault Manipulation: Insurers exaggerate or invent fault on your part to reduce payouts under Texas proportionate responsibility laws
• Confusing Policy Language: Complex insurance terms and exclusions are interpreted in the insurer’s favor, leaving policyholders confused about actual coverage
• Financial Pressure Tactics: Delayed payments and inadequate offers create mounting bills forcing desperate victims to accept unfair settlements

Many Austin residents discover too late that their insurance company views them as adversaries rather than valued policyholders—treating legitimate claims as threats to profit margins rather than contractual obligations.

Why Choose Djiba Law

For Insurance Claim Disputes

Austin injury victims need insurance lawyers who understand both insurance company tactics and Texas policyholder protection laws. Djiba Law represents Travis County residents when insurers wrongfully deny coverage, delay payments, or offer inadequate compensation.

What Sets Our Insurance Dispute Practice Apart:

• Comprehensive policy analysis identifying coverage insurers claim doesn’t exist
• Strategic documentation proving medical necessity when insurers deny treatment authorization
• Expert collaboration with medical professionals, accident reconstructionists, and economists who counter insurance company experts
• Aggressive negotiation tactics that force insurers to reconsider wrongful denials
• Knowledge of Texas Insurance Code provisions protecting policyholders from unfair claim practices
• Experience with complex coverage disputes including UM/UIM claims, bad faith litigation, and policy interpretation challenges
• Transparent communication with regular updates throughout your case

Insurance Claim

Dispute Lawyer

Specialized representation for Austin policyholders when insurance companies wrongfully deny, delay, or undervalue legitimate injury claims throughout Travis County.

Proudly Serving

Travis County And Beyond

How We Deliver

Consistent Results

Our Proven Methodology:

• Immediate policy review identifying coverage insurers claim doesn’t exist
• Comprehensive evidence gathering including medical records, police reports, witness statements, and expert opinions
• Strategic demand letters citing Texas Insurance Code violations and policy language supporting your claim
• Collaboration with medical experts, accident reconstructionists, and economists who counter insurer arguments
• Internal linking between related practice areas including car accident and catastrophic injury claims
• Detailed documentation of all insurer communications preserving evidence of bad faith conduct
• Continuous monitoring of Texas insurance law developments strengthening policyholder rights

Our Process

At A Glance

➤ Aggressive Advocacy

We negotiate with insurance adjusters from a position of strength, document bad faith conduct including delays and unreasonable denials, prepare for litigation when insurers refuse fair settlement, and pursue maximum compensation including additional damages for insurer misconduct.

Frequently Asked

Questions

How much does an insurance lawyer in Austin cost?

Insurance dispute attorneys typically work on contingency, meaning no upfront fees. The attorney receives a percentage only if you recover additional compensation, usually 33-40% of the amount recovered beyond the original offer.

What can I do if my insurance company denied my injury claim?

You can appeal the denial with additional documentation, request formal explanation in writing, involve an attorney who can challenge the denial with expert evidence, or file a lawsuit if the denial is wrongful or in bad faith.

How long does it take to resolve an insurance claim dispute in Austin?

Simple disputes may resolve in 30-90 days with proper documentation. Complex disputes involving bad faith allegations or litigation typically take 6-18 months depending on insurer cooperation and case complexity.

What is bad faith insurance and when can I sue my insurer?

Bad faith occurs when insurance companies unreasonably deny claims, delay payments without justification, or fail to properly investigate. Texas law allows policyholders to sue for additional damages including attorney fees when insurers act in bad faith.

Can I dispute a lowball settlement offer from the insurance company?

Yes. You’re not required to accept inadequate offers. An insurance lawyer can demand higher compensation with evidence of actual damages, medical expenses, lost wages, and pain and suffering the insurer is undervaluing.

What if the insurance company says my pre-existing condition caused my injuries?

Texas law recognizes the “eggshell plaintiff” rule—if an accident aggravated a pre-existing condition, you’re entitled to compensation for the aggravation. Medical experts can prove your accident worsened prior conditions.

How do underinsured and uninsured motorist claims work in Texas?

When at-fault drivers lack sufficient insurance, you can pursue your own underinsured motorist (UIM) or uninsured motorist (UM) coverage. These claims face denial tactics requiring legal representation to secure proper compensation.

What should I bring to my first consultation with an insurance lawyer?

Bring your insurance policy, denial letter or inadequate settlement offer, medical records, accident reports, photos of injuries and accident scene, correspondence with the insurance company, and any documentation supporting your claim.

How Our Insurance

Claim Dispute Suite Works In Austin

Denied Injury Claim Attorney

Fight Wrongful Denials With Comprehensive Evidence

Insurance companies deny legitimate injury claims throughout Austin for numerous reasons—disputing liability, questioning medical necessity, claiming policy exclusions, or simply hoping you’ll give up. Our attorneys immediately challenge wrongful denials with police reports proving fault, medical records documenting injury severity, witness statements corroborating your account, and expert opinions establishing causation. We file formal appeals citing policy language supporting coverage and Texas Insurance Code provisions protecting policyholders. Many denials reverse within 30-60 days when presented with proper documentation, while complex disputes may require litigation showing the insurer’s decision lacked reasonable basis.

Bad Faith Insurance Lawyer

Pursue Additional Damages For Insurer Misconduct

Texas law recognizes that insurance companies owe policyholders a duty of good faith and fair dealing, meaning they must reasonably investigate claims, communicate promptly, and make fair settlement offers. When insurers breach this duty through unreasonable denials, excessive delays, or inadequate offers despite clear liability, you can pursue additional damages beyond your original claim value. Our bad faith attorneys document insurer misconduct including refusing to investigate, denying claims without explanation, and offering settlements far below reasonable value. Bad faith damages can include the amount wrongfully withheld, attorney fees, interest, and sometimes punitive damages when conduct is especially egregious. Visit our insurance dispute resources to understand your rights when insurers prioritize profits over policyholder obligations.

Lowball Settlement Dispute Attorney

Challenge Inadequate Offers That Undervalue Your Injuries

Insurance adjusters routinely offer settlements far below fair compensation hoping Austin injury victims will accept quick payment without understanding their claim’s true value. These lowball offers often cover only immediate medical bills while ignoring future treatment needs, lost earning capacity, permanent impairments, and pain and suffering. Our attorneys calculate comprehensive damages by retaining medical experts who project future care costs and economists who determine lost earning capacity. We present detailed demand packages proving your claim warrants substantially higher compensation than the insurer’s inadequate offer.

Medical Treatment Denial Attorney

Force Coverage Of Necessary Medical Care

Insurance companies frequently deny authorization for medical treatment claiming it’s not medically necessary, not related to your accident, or not covered under your policy. These denials leave Austin injury victims unable to receive necessary care or facing massive medical bills. Our attorneys immediately challenge treatment denials by coordinating with your treating physicians who document medical necessity, retaining independent medical experts who confirm treatment appropriateness, and citing policy language requiring coverage for accident-related injuries. We appeal denials through formal processes while pursuing interim care coverage so treatment isn’t delayed. Learn more about our catastrophic injury practice for severe cases requiring extensive ongoing treatment.

Underinsured Motorist Claim Lawyer

Recover Additional Compensation From Your Own Policy

When at-fault drivers carry insufficient insurance to compensate your injuries fully, Texas law allows you to pursue underinsured motorist (UIM) coverage through your own auto policy. These claims face unique challenges because you’re essentially pursuing compensation from your own insurance company, which will fight as hard as any other insurer to minimize payouts. Our attorneys navigate complex UIM procedures including exhausting the at-fault driver’s policy first, proving your damages exceed available coverage, and demonstrating your injuries warrant the additional compensation sought.

Uninsured Motorist Claim Attorney

Compensation When Hit-And-Run Or Uninsured Drivers Injure You

Approximately 15% of Texas drivers operate vehicles without required insurance, leaving injury victims with no way to recover compensation from at-fault parties. Uninsured motorist (UM) coverage through your own auto policy provides essential protection in these situations. Our insurance attorneys handle UM claims against your own insurer including hit-and-run accidents where drivers flee scenes, accidents where at-fault drivers have no insurance, and situations where at-fault drivers’ insurers deny coverage. Insurance companies challenge UM claims by questioning whether the other driver was truly uninsured, disputing whether you’re entitled to UM benefits, and undervaluing damages. Visit our truck accident page to understand UM claims in commercial vehicle accidents.

Policy Coverage Dispute Lawyer

Resolve Disagreements About What Your Policy Actually Covers

Insurance policies contain complex language with exclusions, conditions, and definitions that insurers interpret in their favor to deny coverage. Coverage disputes arise when insurers claim exclusions apply to your claim, argue policy limits are lower than you believed, or dispute whether certain damages are covered. Our attorneys conduct comprehensive policy analysis identifying coverage provisions supporting your claim, researching Texas case law interpreting similar policy language, and consulting insurance law experts when interpretations are disputed.

Pre-Existing Condition Dispute Attorney

Prove Your Accident Aggravated Prior Injuries

Insurance companies aggressively investigate claimants’ medical histories seeking pre-existing conditions they can blame for current injuries. They argue your back pain, neck problems, or other injuries existed before the accident so they’re not responsible for treatment or compensation. Texas law recognizes the “eggshell plaintiff” rule—if your accident aggravated a pre-existing condition, you’re entitled to compensation for the aggravation even if you were more susceptible to injury than average people. Our insurance dispute lawyers work with medical experts who compare pre-accident and post-accident medical records, document how the accident worsened prior conditions, and prove you were stable before the accident but now require treatment.

Comparative Fault Dispute Lawyer

Challenge Insurance Claims That You’re Partially At Fault

Texas follows proportionate responsibility rules meaning if you’re found partially at fault for your accident, your compensation is reduced by your percentage of fault. Insurance companies exploit this by exaggerating or inventing faults on your part to reduce their payouts. Our attorneys challenge comparative fault arguments by gathering evidence including police reports showing the other driver’s violations, witness statements corroborating your account, and accident reconstruction proving the other driver caused the crash. Explore our motorcycle accident practice to understand comparative fault in vulnerable road user cases throughout Austin.