As the Dallas Bar Association writes, “Insurance coverage litigation, by its nature, is a contract dispute. Unfortunately, the contract involved is often thought of as the most convoluted and confusing type of contract.”
Indeed, insurance policies are contracts – while you are committed to paying your premiums, the insurance company is committed to providing you reasonable coverage. If your insurer delays, denies or discounts your claim, it may be in breach of the contract.
In one recent engagement, Bartimus Frickleton Robertson Rader represented two convenience store and paintball facility co-owners. A patron of the paintball facility injured his eye and filed a lawsuit against the owners; the insurance company denied coverage, claiming the policy only covered the convenience store. A large judgment was entered against the owners, who were now solely responsible for its payment.
They retained Kip Robertson and Jim Frickleton to pursue claims against their insurer for acting in bad faith. Kip and Jim ultimately settled the case for $2 million, which was twice what the insurance company would have paid had it honored its $1 million insurance policy. This settlement allowed the paintball facility owners to fulfill their obligations to the injured party.
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Bartimus Frickleton Robertson Rader advocates for policyholders who are not receiving the coverage to which they are entitled. We apply our decades of experience working with insurers to negotiate – and if necessary, litigate – our clients’ claims.