Practice Areas

 
Insurance fraud occurs when an insurance company, agent, adjuster or consumer commits a deliberate deception in order to obtain an illegitimate gain. It can occur during the process of buying, using, selling or underwriting insurance. Seniors are often targets of insurance fraud, particularly life and health insurance fraud. Seniors are more likely than others to feel they need these coverages, and many worry that they’ll become a burden to family if they don’t have enough insurance.

Fake health insurance and life insurance companies and dishonest insurance agents can defraud consumers by collecting premiums for bogus policies with no intention or ability to pay claims.

Legitimate companies that are not licensed by the state to sell insurance might lead consumers to think they are selling “insurance” while evading state insurance regulations.

Employees of legitimate insurance companies can also deceive consumers for personal gain. For instance, an unscrupulous agent could collect premiums from a customer without delivering the insurance policy to the company. The insurance company could cancel or refuse to renew the policy.

Consumers should be on the lookout for the following warning signs, as they may indicate that an insurance company is fake:

• A very aggressive agent or broker who pressures a consumer by saying they must sign up for a policy right away (perhaps saying or the premiums will go up).
• Premiums from a particular company are a lot lower (more than 15-20% less) than other companies’ comparable coverage.
• Have trouble finding the phones listing, phone number or getting through when calling. The Texas Department of Insurance is easily reached online and by phone and is able to verify whether an insurance company exists and is authorized to sell insurance in our state.

If you think you may be a victim of life insurance insurance sales fraud contact us to see how we may be able to help you.

Life insurance sales fraud is a practice area that The Sheller Law Firm has a good deal of experience with as can be seen from many of the news stories found under the “News” tab.

The following information is offered to help you avoid the need for DWI defense and what to do if you do get stopped for DWI.

About every 20 minutes in Texas, someone is hurt or killed in a crash involving alcohol. We urge you to take responsibility for your actions. Don’t drink and drive. However, you are innocent until proven guilty and we will give 110% effort to your defense.

Please do not drink and drive.  If you plan to drink, you should have a designated driver or hire a cab. Hiring a cab is much cheaper than the cost of a DWI arrest which can exceed $20,000.  These costs include court fees, parole fees and increased insurance costs to you.  In addition, you may be forced to do community service on weekends and in your free time which is usually at least 100 hours.

Under the U.S. Constitution you have the right to not incriminate yourself. This is because the founding fathers had the experience of being accused of crimes, and then having the burden to prove their innocence. So, the burden is on the government now to prove your guilt.

If you are arrested and charged with driving while intoxicated by drugs or alcohol is a criminal offense that can have serious legal consequences.  You must immediately get experienced legal representation for your DWI Defense.

The Administrative License Revocation (ALR) Program Driving in Texas applies to individuals arrested for DWI. Individuals who refuse or fail a blood or breath test following an arrest for DWI may have their driver license suspended from 90 days to 2 years. Refusal or failure of this test will also result in an automatic one-year disqualification for individuals with a commercial driver license.

If you are criminally convicted not only will you lose your license but you could end up paying a large fine and even lose your freedom. This depends upon the following:

First Offense (Class B misdemeanor)
License suspension of 90 days to one year, up to a $2,000 fine and 72 hours to six months in jail.

Second offense (Class A misdemeanor)
License suspension or revocation from 180 days to two years, up to a $4,000 fine and from 30 days to one year in jail.

Third offense (Third degree felony)
License revocation up to two years, up to a $10,000 fine and anywhere from two to 10 years in prison.

Being charged with DWI or even DUI is a very serious matter and requires legal representation by an attorney such as David L. Sheller of The Sheller Law Firm who is an expert in DWI Defense and Trial Litigation

If you’ve been arrested for drunk driving, you can depend on Sheller Law Firm to fight for you. We have helped thousands of people and we are well-trained in the art of determining the best course of action for anyone facing down DWI charges.

Groups of individuals and businesses that have suffered a common personal injury may have the right to present their case to the court. The resolution of such issues is commonly reached by filing a class action suit. Often the basis of the suit involves defective products or property contamination. Perhaps a business is unfairly charging customers for services.

David Sheller has experience as lead counsel in class action suits against large corporations. There is no class action case too large or complex for the Sheller Law Firm to handle. Contact our offices at 713-677-4167 if you think your rights have been abused.

In our legal system, everyone is entitled to competent legal representation in court matters. Occasionally however, the lawyer providing the legal representation does not do an adequate job and this could constitute legal malpractice. If you feel that your legal representation has been sub-standard and inadequate, contact The Sheller Law Firm to discuss possible remedies.