The idea of insurance is pretty straightforward, right? An individual pays money to an insurance company, which in turn promises to compensate that person in the event something he or she owns is damaged or destroyed. Businesses pay insurance companies for similar reasons, but also for help when employees cause property or economic damages to third parties. Nonetheless, despite its seemingly simplistic nature, there's usually nothing simple about insurance. In Texas, insureds and insurers alike often are confronted with serious legal issues—disputes over what is and what is not covered by a policy; "bad faith" refusals to provide coverage; filing false or fraudulent claims for benefits; the ever-changing landscape of mandatory and minimum coverages for health, life and automobile coverage. It can be overwhelming, even for an experienced practitioner.
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