The Texas Consumer Bill of Rights is a comprehensive reference tool outlining the parameters in which insurance companies must conduct business and the legal actions that are available to consumers. When purchasing insurance or filing claims, we would like to assume that all insurance companies behave properly and within the confines of state laws but unfortunately, this is not always the case. Many people are unaware that these required laws and consumer rights are accessible to the general public.
Here are some important privileges concerning the insurance industry per the Texas Department of Insurance:
Prohibited Statements: Your insurance company or agent is prohibited from making false, misleading, or deceptive statements to you relating to insurance.
Explanation of Denial: Upon request, you have the right to be told in writing why you have been denied coverage. The written statement must fully explain the decision, including the precise incidents, circumstances, or risk factors that disqualify you. It must also state the sources of information used.
Not-at-fault claims: Your insurance company cannot refuse to renew your policy solely because of any of the following types of claims:
Morgan Elite Specialist Services is a professional team of licensed public adjusters protecting policy holders and their best interests. We assist with filing, denied, or underpaid claims and inspections and consultations are free of charge. Call us today with your insurance questions, we can help!
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The team of Public Adjusters at Morgan Elite Specialist Services have over 25 years of experience in the insurance industry. All of our adjusters are licensed and bonded by the Department of Insurance and are required to take continuing education courses annually.