How do I know if my insurance company acted in bad faith?

The Texas Insurance Code outlines unfair and deceptive acts that can be considered bad faith, including, but limited to:

  • Misrepresenting the terms of your policy.
  • Misrepresenting benefits or advantages in the policy.
  • Misrepresenting facts and policy provisions.
  • Failing to attempt to act in good faith, fairly and promptly, in a settlement.
  • Failing to promptly provide a reasonable explanation of a claim denial.
  • Failing to affirm or deny coverage of a policyholder within a reasonable time.
  • Making an untrue statement of material fact.
  • Making a material misstatement of law.