Insurance policies heavily vary in coverage. It is important to choose one that best protects the assets that you want to prioritize, and to what extent. There are many insurance providers that offer a variety of policies including health, car, life, property damage, and more.
Standard policy packages can usually cover a wide range already, but many still opt to purchase more than one policy or invest in add-ons in order to fully protect what they need to. For this reason, it is important to have a professional determine the value of your assets in order to get ample coverage and a fair compensation if the need arises.
By hiring an insurance lawyer in Austin Texas, you can better assess what insurance you need, the amount of coverage necessary, and also to help you with the claiming process.
The most commonly purchased insurance policies that a lawyer can help you with are:
Home Insurance Home insurance policies are built to protect private properties in the instance that it has been physically damaged due to an accident or natural disaster.
Health Insurance Health insurance is regarded as one of the most crucial types of insurance policies. These are meant to protect the policyholder, and in some cases their immediate family, when in need of medical assistance. This policy compensates for a part of the medical bills up to the coverage limit.
For most standard packages, only the most common illnesses and medical procedures are covered. However, there are premium policies or add-ons that also cover pre-existing medical conditions, which is helpful for those with chronic diseases, inborn medical issues, or seniors.
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Car Insurance While car insurance is not necessary for everyone, it can be very advantageous in cases wherein you get into an accident, or your vehicle gets damaged during a natural disaster. This policy would typically cover the cost of repairs and replacement of parts. If you are liable for the accident, some policies may also cover the cost of repairs or replacement of necessary parts for the other individual. Disability Insurance
For people that are physically or mentally incapable of earning a living because of their short-term or long-term disabilities, compensation can be made available through disability insurance.
Liability Insurance For situations wherein the policyholder is liable for injury to another person or damage to another’s private property, liability insurance may offer protection from rising cost of the repair fees, medical fees, and legal fees up to the coverage limit. The inclusions of which are subject to the specific terms and conditions of each individual policy.
There are, however, certain things that the policy does not cover such as intentional damage, contractual liabilities, and criminal prosecution. Additionally, liability insurance is required for:
Those with car insurance
Those who produce products
Those who are practicing medicine
Those who are practicing law
Life Insurance Next to health insurance, life insurance is another critical policy to acquire. It protects the policyholder’s beneficiaries should the former pass away. An insurance lawyer in Austin Texas can greatly help you in receiving your claim in full, explaining the legalities of your insurance policy, and assisting you in court proceedings.
Here at The Chad T. Wilson Law Firm, we guarantee to work tirelessly until you get the claim you rightfully deserve.
Depending on where you live, your state may have specific laws that require insurance companies to take certain steps within the claim process and within a given period.
In Texas, insurance companies must abide by the following:
15 calendar days to acknowledge the policyholder’s claim and request any additional information necessary.
15 business days to approve or deny the policyholder’s claim in writing after having received all the requested information. This can be extended up to 45 days if the insurance provider notifies the policyholder in writing and explains the reason for the delay.
5 business days to pay the claim after notifying the policyholder of the approval.
The number of other policyholders
Especially for major disasters with widespread damage, the time to process everyone’s claims may take longer.
City Information on Austin, Texas
While it is not the most populated city, Austin is the state capital of Texas. It is where the flagship campus of the University of Texas is located, along with many unique attractions, amazing museums, and is home to the only nude beach across the entire state.
Austin is known to be the Live Music Capital of the World. It also is popular for receiving an average of 330 days of sunshine annually, which is why it is renowned as one of the liveliest areas to reside in. Moreover, Austin has many beautiful lakes and parks wherein recreational sports are often practiced. Lastly, in the south region of Austin is where the nation’s only Formula One Racing Championship takes place.
Getting your homeowner insurance company to do the right thing is not easy, it takes time and a lot of effort. With that being said, having the right representation is extremely important and I cannot say enough about how grateful I am to …
After fighting with Allstate for 6 years, we decided to hire the Chad T. Wilson Law firm. Amanda, Devan, and the entire team were able to get us a new roof. The team is very knowledgeable and professional and we are so happy we hired them …
Attorney Amanda Fulton and her legal assistant Devan of the Chad T Wilson law firm provided a superior experience! Amanda represented me in a very difficult case against my insurance company and prevailed. …
We were very pleased with our attorney, Hunter Odom! He worked hard to help us and we are so appreciative of the effort he put forth to get us a resolution in our lawsuit so we could get back into our home as soon as possible. We can’t recommend a better lawyer.
Excellent communication from team from start to finish, never dropping the ball even once, leading to a successful conclusion. I'd recommend this firm and the team, including Amanda Fulton without any reservation.
Attorney Hunter Odom has a very positive and willing to help personality! He is caring and compassionate about getting justice for his clients. Glad to have had him representing us.
Thank you Mr Odom!