What Happens If the Insurance Company Denies Your Claim?

February 19, 2026

What Happens If the Insurance Company Denies Your Claim?

If you’ve been injured in an accident in Houston, Texas, the last thing you expect is for the insurance company to deny your claim. After medical bills start piling up and you’re missing time from work, a denial letter can feel overwhelming and unfair. Unfortunately, claim denials are common — but that does not mean you are out of options.


At The Booker Law Firm, we help injury victims challenge denied insurance claims and pursue the compensation they are legally entitled to receive. If your claim has been denied, here’s what you need to know and what steps you should take next.


Why Do Insurance Companies Deny Claims?

Insurance companies often deny claims for a variety of reasons, including:

  • Allegations that you were at fault for the accident
  • Claims that your injuries are not severe
  • Disputes about medical treatment being “unnecessary”
  • Missed deadlines or incomplete paperwork
  • Lack of sufficient evidence
  • Policy exclusions or coverage disputes

In Texas, insurance companies are businesses focused on protecting their bottom line. A denial does not automatically mean your claim lacks merit. In many cases, it simply means the insurer believes it can avoid paying — unless challenged.

This is where having a strong legal advocate becomes critical.


Step 1: Review the Denial Letter Carefully

The insurance company is required to provide a written explanation for the denial. This letter typically outlines the reason for the decision and references the policy language they are relying on.


Do not ignore this letter. The reasoning they provide can help determine your next move. Sometimes denials are based on missing documentation that can be corrected. Other times, the insurer may be disputing liability or downplaying your injuries.

At The Booker Law Firm, we review denial letters in detail and identify weaknesses in the insurance company’s position.


Step 2: Gather Strong Supporting Evidence

If your claim was denied due to “lack of evidence,” you may need to strengthen your case with:

  • Police reports
  • Witness statements
  • Medical records and physician notes
  • Photographs or video of the accident scene
  • Proof of lost wages
  • Expert medical evaluations

Insurance companies frequently attempt to argue that injuries are pre-existing or unrelated to the accident. Comprehensive documentation is key to countering these tactics.


A Houston personal injury attorney from The Booker Law Firm can gather and organize the necessary evidence to build a compelling case on your behalf.


Step 3: File an Appeal or Demand Letter

Many insurance policies allow for an internal appeal process. This involves submitting additional documentation and formally requesting reconsideration.

However, in serious injury cases, it may be more effective to send a formal demand letter outlining:

  • Liability facts
  • The full extent of your injuries
  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Future damages

A properly prepared demand letter signals that you are prepared to escalate the matter if necessary. Insurance companies are far more likely to reconsider when a law firm is involved.


Step 4: Consider Filing a Lawsuit

If the insurance company continues to deny or undervalue your claim, filing a personal injury lawsuit may be the next step.

Under Texas law, you generally have two years from the date of the accident to file a personal injury claim. Missing this deadline can prevent you from recovering damages entirely.


Litigation does not automatically mean your case will go to trial. In many situations, filing suit motivates insurers to negotiate more fairly. The Booker Law Firm aggressively advocates for Houston injury victims and is prepared to pursue legal action when insurers refuse to act in good faith.


Can Insurance Companies Act in Bad Faith?

Yes. Texas law requires insurance companies to handle claims fairly and promptly. If an insurer:

  • Unreasonably delays your claim
  • Fails to properly investigate
  • Misrepresents policy terms
  • Denies a valid claim without justification

You may have grounds for a bad faith insurance claim in addition to your injury case. Holding insurance companies accountable is an important part of protecting your rights.


Do Not Accept a Denial Without Legal Advice

Many injured individuals assume a denial is final. It is not. Insurance companies rely on policyholders giving up.

Before you walk away from your claim, speak with a qualified Houston personal injury attorney. A legal review can determine whether:

  • The denial was improper
  • Additional evidence could change the outcome
  • A lawsuit is warranted
  • You may be entitled to additional damages

The sooner you act, the stronger your case may be.


How The Booker Law Firm Can Help

At The Booker Law Firm, we understand how stressful it is to face mounting medical bills while dealing with insurance delays and denials. We are committed to helping Houston residents pursue compensation for:

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Emotional distress
  • Wrongful death damages

You do not have to handle insurance companies alone. We will review your claim, explain your options, and fight for the outcome you deserve.


Contact a Houston Personal Injury Attorney Today

If your insurance claim has been denied, do not delay. Time limits apply, and early action can significantly impact your case.


Call The Booker Law Firm at 281-248-8575 to schedule your consultation today. Let us help you take the next step toward justice and financial recovery.

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Woman Suing 4 DPS Troopers Over Search

January 8, 2026
Woman Suing 4 DPS Troopers Over Search  BRAZORIA COUNTY, Texas – A woman says she was invasively searched on the side of a road during a traffic stop.
Handcuffs, glass of whiskey with ice, and car keys on a textured surface.

DUI/ DWI in Texas

By Allie Booker • January 8, 2026
DUI/ DWI in Texas If you are accused of driving drunk or intoxicated in Texas you should consult a lawyer for a few very important reasons. Texas is cracking down on their trafficking laws and putting more officers on the streets than there ever has been before. This means that police are not only going to write more tickets, but they are taking more and more people to jail for driving drunk and intoxicated. Intoxication is defined as having an alcohol concentration of .08 or more. There are some things that you need to know about charges such as this. First off, a conviction on your record will cost you money, even if it is your first time being convicted of it. With the new law passed in Texas the DPS adds a surcharge of at least $3,000 to $6,000. This is a lot of money to pay the state for a simple drunk or intoxicated driving offense, so you want to make sure that you retain a lawyer in order to make every effort to avoid having something like this on your record. First Time Offenders Not only are you surcharged, but you are almost sure to face jail time for this offense. If this is your first offense, jail time can be anywhere from 72 hours to 6 months. You can be slapped with a fine not to exceed $2,000 not to mention your DPS surcharge on top of that. Also you must be mandated to perform community service hours. The judge has to give you at least 24, but cannot give you more than 100 hours of community service. You are subject to license suspension for 90 days to 1 year. You may even be made to install a deep lung air device in your vehicle, attend alcoholic counseling, or even pay restitution if someone is injured due to your drunk driving act. When you are a first time offender, many times there are divert programs that may be available to you, if you are eligible, in order to keep the charge off of your record. There are enhanced penalties in certain situations. If there is an open container in the vehicle the minimum time is 6 days in jail. DWI is a misdemeanor, but can escalate to a felony if a child under the age of 15 years old is a passenger in the vehicle. There are also enhanced penalties when your alcohol level is over .15 or more. Second Time Offenders After conviction the second time your license may be suspended for 180 days. Also, as a condition to be released on bond you will have to install the deep lung air device in your vehicle. There is a mandatory jail time penalty that is assessed for those who have been convicted twice or more under the drunk driving statute. So, you are subject to be jailed for at least 72 hours, but no more than 1 year. You are subject to a fine not to exceed $4,000 and will have to perform community service hours ranging from 80 to 200 hours. You may also get your license suspended for 180 days to 2 years. Third Time Offenders For your third offense you will be jailed from 2 to 10 years and made to pay a fine not to exceed $10,000. You will face 160 to 600 hours of community service, have to submit to a deep lung air device, have your license suspended for 180 days to 2 years, and be put in a drug and alcohol program. Texas has passed an implied consent law which basically requires drivers to submit to some sort of test whether it be blood, urine, or chemical. Many people feel the effects of this law on holidays because on those days a person cannot refuse a test for intoxication. This is confusing to many when the officer who is arresting them informs them that they must comply with alcohol content testing. Many times people are afraid, and disjointed, and simply go ahead and test. In all actuality, you can refuse to submit to the test, but implied consent laws strap you with mandatory license suspension. With all of these factors and consequences surrounding drunk and/or intoxicated driving charges one must be sure that he is fully prepared in his defense. Hiring a lawyer when you are faced with these types of charges is the best thing that you can do for yourself. Always consult a lawyer about the legal ramifications of any predicament that you have gotten yourself into. A lawyer is certified and the best person that you can talk to regarding DUI/DWI charges.
Aerial view of a complex highway interchange with cars, surrounded by buildings and trees.

Things to Know if You are Driving in Texas

By Allie Booker • January 8, 2026
Things to Know if You are Driving in Texas Texas passed very critical laws in the area of transportation in the year of 2003. It is important that you hire a lawyer whenever you get a ticket so that surcharges by the Department of Public Safety, herein referred to as the State, may be avoided. Many times people simply pay their tickets in order to get things over with. Please be mindful that ?getting things over with? can really cost you in the end. If you go ahead and pay for a ticket where the violation is no insurance you will not only have to pay for the ticket and court fees, but you will have to pay at least $750.00 to the State over a three year period. If you pay a ticket for driving while license invalid instead of having a lawyer fight it for you, then you will be charged $300.00 over a 3 year span. There has also been a new point system implemented within the State. With the point system the State adds a certain number of points to your record for every traffic infraction you receive. For example, if you are convicted of a moving violation that is 2 points on your driving record. If you are in an accident this adds 3 points to your driving record. If you get 6 points in three years the State will charge you at least $100.00 a year for at least three years (and that is only if you never get another speeding ticket or in an accident). If you are convicted of a DWI you will be charged anywhere from $3,000 to $6,000 for one simple conviction. If you fail to pay the State?s surcharges you can kiss your license goodbye. They will suspend your license until the fees are paid in full. Also, if you go to renew your license they will deny you for failure to pay your surcharges. Texas is taking no prisoners with their newly implemented traffic laws. You must handle your tickets and you must make sure they do not go on your record or you are sure to pay for it in the future.
Police officer issuing a ticket to a driver, with flashing lights of the police car visible.

Traffic Ticket Warrants: What do you do if you have one and how to avoid them

By Allie Booker • January 8, 2026
How to Take Care of Your Warrant Have you ever been shaken when the police pull up behind you because you know that you have warrants and do not want to go to jail? Have you ever thought of how inconvenient it would be to get pulled over while you are driving with your children and taken to jail over a mere warrant? Have you ever thought of how embarrassing it would be to get pulled over and go to jail while you are riding with a spouse or friend? Many times people forget that they have to go to court for traffic tickets and end up having a warrant issued for their arrest. Here are some ways to avoid the terrible situation of being arrested over simple warrants. When you do not appear at court the judge then issues a warrant for your arrest. One option to avoid arrest is to put up a bond on your behalf. Because of the nature of a warrant many times a bond can be put up on your behalf in order to keep you out of jail. You can go to any local bail bond company and see how much it costs for them to put up a bond for you. You may also post a cash bond with the courts. This option in very convenient because many times the judge allows a person to use this cash bond towards penalties and court fees once the case has been adjudicated. Once a bond is posted, you no longer run the risk getting arrested. You will still have to appear at court, either by person or through a lawyer, but it is a cheaper way to buy you some time so that you are not arrested before you receive a chance to handle your old ticket(s). Another option is to hire a lawyer and allow him/her to handle your warrants. In some jurisdictions a bond cannot be put up for a minimal fee because the warrant is issued as a failure to appear ticket, which is another infraction within its own right. When the warrant is issued as a failure to appear infraction, the cheapest way to handle it is to hire a lawyer to take care of the tickets for you. If you have a warrant out for your arrest and you go to court, even if it is to handle your tickets, you will be arrested. It makes no difference that you are coming in to try and remedy the situation. Once a warrant is issued for your arrest you must either have a bail bondsman put up a bond for you, get a lawyer to appear for you, or both. Here are some tips to avoid getting a warrant If you are a forgetful person, know that you cannot pay your ticket, or are unable make it to court, simply hire a lawyer. Once your court date is missed and a warrant goes out for your arrest it will more than likely be much more costly than simply hiring a lawyer. In fact, the cost of a warrant itself generally costs more. Why make yourself pay more money than you have to? One of the pros of hiring a lawyer is that lawyers will work to get your ticket dismissed. In addition to this, lawyers know all of your options. Because lawyers know the law, court rules, and all of your options, they can persuade the court to make the situation work out in your favor. Also, lawyers know how to communicate with prosecutors. Lawyers, by their very nature must deal with opposing counsel on a daily basis, so they are much better at it than you are. If you do not have the money to hire a lawyer right away, contact the court by phone, fax, or letter stating that you wish to change your court date to a different one in order to procure a lawyer to handle the situation on your behalf. Most courts will be happy to honor your wishes. Make sure you follow-up with the court if you sent the request by fax or mail to make sure that they received your correspondence, and to find out what your new court date is. This new, future court date will give you more time to find a lawyer to fight for you. Also, make sure that if you have appeared at court and have agreed to pay any fees, that you do so. If you do not have the money, make sure you go into court and request to speak with the judge. Bring whatever monies you can muster up. Then, let the judge know that you understand you owe, but are unable to pay at that time. Ask the judge if you can receive an extension which will give you more time to pay the court. Many times the judge will grant you an extension based on your situation, but this is not automatically done. It is imperative that you do not simply let the due date for your court fines, fees, or tickets pass you by. Once you tell the court that you are going to pay, you must pay. Failure to do so will result in a capias warrant being issued for your arrest. Capias warrants are one of the worst warrants that can be issued against a defendant in any criminal case. In relation to traffic ticket warrants, a capias warrant is a warrant that basically means, “Pay the money that you owe the courts or serve time in jail.” In any other criminal case a capias warrant basically means, “You must serve time in jail until your case is resolved.” Capias warrants are not bondable, and once you are arrested on a capias warrant you must serve jail time. You will be in jail until your case is completely resolved, and many times that means until your case goes to trial or a settlement is reached and you serve your sentence, pay your fines, or both. Another way to get a capias warrant issued against you is by resetting your court date and failing to appear. Once you appear before the judge and get a reset, you cannot miss your court date or else a capias warrant will be issued for your arrest. Capias warrants are issued in these instances because the court is under the impression that you will not make good on your word to either pay the courts the money that you owe, or return for a future court date because you have demonstrated just that by failing to pay or failing to appear in the past. So, the next time you get a traffic ticket, think about your next move, and make sure that it will be least costly for you in the long run. Hiring a lawyer is almost always the least costly decision to make. It costs less time, less money, and less worry.