Bruce Smith

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Attorney Bruce A. Smith of Ward & Smith in Longview, Texas, represents individuals and businesses in a wide variety of insurance policy claims, including cases when payments have been denied in bad faith for health, homeowner, life and car insurance policies.


A true trial lawyer, Mr. Smith has tried more than 50 cases to verdict for both plaintiffs and defendants during a legal career spanning nearly three decades. In addition to his work in insurance law, he also represents clients in state and federal legal claims involving a broad range of complex commercial disputes and serious personal injuries. Mr. Smith is one of the rare attorneys to be Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization, and he is repeatedly recognized by his peers as one of the state’s top lawyers in the annual Texas Super Lawyers list.

Expert Articles by Bruce Smith

Health Insurance

How to mitigate and avoid the denial of a health insurance claim
When a health insurance claim is denied or delayed, it only adds to the existing problems for customers. That is why it is so important to know what your policy covers and the steps you can take to he...

Expert Articles Sponsored by Bruce Smith

Health Insurance

Manage your health savings account
When managing your HSA, you should always keep in mind the fine print. In particular, it is important to be aware of your deductible, your maximum out of pocket payment, and your annual contribution l...
Selecting disability income insurance
Income protection is important because your income is important. Your ability to earn an income is the basis for your standard of living, your financial goals and your retirement savings. Look at it t...
Why you need travel insurance for your trip
Good travel insurance coverage shouldn’t cost you a fortune. In fact, you should expect to budget no more than an additional 7 to 8 percent of the cost of y...
Purchasing travel medical insurance
Travel medical insurance is an integral part of your next international vacation. Make sure you go over plans carefully and ensure that you are getting the best deal and coverage for your specific tra...
Dealing with a family member's long-term care insurance
In reality, long-term care insurance policies are expensive but we can’t disregard the fact that they are very valuable. Getting one for yourself or for a loved one ensures that the beneficiary will...
Considering a Flexible Spending Account (FSA)?
FSAs or Flexible Spending Accounts offer a valid and easy vehicle to utilize pre-tax dollars and achieve significant tax savings for common eligible expenses. Given the wide array of eligible expenses...
No longer covered by your parents’ health insurance?
Since the late 1970’s, we have been conditioned that health care should be free or almost free. Consumer’s wanted low-co-pays and low premiums. With the advent of an amazing amount of medical adva...
Buy travel medical insurance for a safe study-abroad experience
As you can see, travel medical insurance is an integral part of your next trip to study abroad. Just as important as broadening your educational horizons, so to is making sure your health and wellness...
Best pet insurance policy to protect your cat or dog and budget
For many of us, dogs and cats are not just pets – they’re members of the family. While every parent wants to provide their pets with the best care possible, sometimes the high costs can force you ...
Long term care insurance ensures you're covered for medical costs
Following this suggested advice should give you a good idea of what the costs are and which long term care option works best for your particular situation. Every person has different needs, but it is ...
Know how to navigate the Affordable Care Act to get the best coverage
The ACA aims to transform the U.S. healthcare system, and has already expanded coverage of young adults, eliminated lifetime limits on what insurance will cover, lowered the cost of drugs for seniors ...
Recent college grads should understand their health care options
Young, health Americans make up a large percentage of America’s uninsured. In fact, 16 million young adults are uninsured in the U.S. Under the Affordable Care Act, 82% of them will qualify for fede...
Prepare for higher medical costs during senior and retirement years
Heathcare could bankrupt this country as it has millions of Americans. There is still no real assurance that you can avoid a catastrophe if something unexpected happens. But if you do the best to prep...
Plan ahead for Alzheimer's and obtain long-term health insurance
Alzheimer’s is a debilitating disease that is on the rise as the baby boomer generation reaches retirement age. It behooves Americans to prepare for this disease by making sure the proper insurance ...
Advice for women on getting long-term care insurance
Long-term care insurance is an important part of an overall financial plan, especially for women. By doing a bit of homework, you can be prepared and put a plan in place to cover any future long-term ...
Health and disability insurance can protect you when playing baseball
You may not think of disability insurance as a necessity for your career but disabling sports injuries seem to be happening with increasing frequency. The benefits from this insurance will keep you an...
How to get the right health insurance coverage for you and your family
Health insurance and the cost of medical care can be intimidating, but there are creative ways to save money within the system. To learn more about your health insurance options and what the health re...
Protect your family's financial security with the right insurance
Insurance has become an important part of life, as it should be. The likelihood of disability or a significant injury increases every year, not to mention disasters that can destroy your home in a spl...
Determine your need to buy a long-term care insurance policy
Not everyone needs a long-term care insurance policy but it always pays to be well informed. Get in touch with your insurance agent or a trusted expert to talk to you about your current insurance need...
Think ahead when purchasing a long-term care insurance policy
Many states offer a list of websites and companies you can go to with questions regarding a LTC insurance policy. By taking the time now to decide on your long-term care, the more stability and comfor...
How to apply and receive veteran's benefits and services
Many veterans are eligible for benefits and services as a result of their military service. Although the process can be frustrating, there are a lot of options that can help you work through it to rec...
How to mitigate and avoid the denial of a health insurance claim
When a health insurance claim is denied or delayed, it only adds to the existing problems for customers. That is why it is so important to know what your policy covers and the steps you can take to he...
Understand the financial benefits of voluntary insurance
If you were to become disabled or ill for a long time, hopefully you and your family would be taken care of. However, if you're uncertain of your financial situation, now is the time to cover that ris...
Advice to recent college graduates on buying necessary insurance
These are not the only insurance policies out there. Have someone guide you through which policies are the most important for you to have upon graduation and save the others for when you have the stab...

Home, Auto, and Theft Insurance

Homeowners - be prepared before a disaster strikes!
We always hope that we will not be impacted by floods, wildfires, tornadoes, hurricanes, ice storms, or other natural disasters, but we never know. Why not be prepared in case you are affected by a di...
Selecting umbrella insurance
If you ever find yourself in the unfortunate circumstance that was described above, you’ll be happy you have Umbrella Insurance. Now that you are more knowledgeable on the product, you can see that ...
How to file an umbrella insurance claim
An insurance company’s primary goal is not to pay money to claimants; its to make a profit for their shareholders. In some cases, when paying claims, an insurance company will not notify you of the ...
Advice on making a property damage insurance claim
After you have had a claim to your home or business, your world is thrown into a tailspin. You will have many different parties advising you how to proceed, and you must start making some very importa...
How to protect and insure your electronic devices
Smartphones, laptops and other electronic gadgets that organize and enhance our lives are worth the time investment to learn how best to protect them. Keep gadgets safe by taking precautions, such as ...
The right auto insurance will guarantee protection for your new car
Auto insurance provisions are complex. You cannot simply rely on an advertisement to determine your levels of coverage and you should buy the plan with an eye on protection first and price second....
Expert advice before you add a teenage driver onto your auto insurance
When your child does become licensed, your premium will increase no matter who insured you. It does pay to shop around. The best way to do that is to contact an independent insurance agent. They have ...
Shop online for new car insurance with confidence
While everyone wants to save as much money as possible on their auto insurance, please ensure the proper protection is in place before making any decisions. Quoters will try to sell you whatever they ...
Getting the most out of your leased car insurance coverage
Part of your insurance premium may based on your credit score. Companies cannot base your premium completely on credit score, but it does play a large part in determining the rate you pay, or even if ...
Get the best auto insurance coverage for your used car
The downside of buying a used car might be a high insurance bill. To avoid that, work with your independent agent to make sure you are getting all of the credits available to you, and that you’re dr...
Buy a vehicle service contract to save money when warranty expires
Following these best practices to select a high-quality service contract provider will ensure the best experience when your automobile needs repairs. Don’t allow the expiration of your factory warra...
Know how much home insurance to get with the help of a broker
As you can see, deciding what value to insure your home for is very important. Following the advice above will aid you on your journey to perfect home insurance protection. While I hope you find an af...
Advice on making a home insurance claim easy and stress free
The claims process is far simpler than most would think. As long as you are knowledgeable of your coverage and keep thorough records immediately following the reporting of a claim, the process should ...
Does damage to your home mean you should file an insurance claim?
In the event of major damage to your home property, always take quality photos and documentation of the damage. Also put up a secure covering over the damage to ensure minimal-to-no further damage occ...
Do you rent a house or apartment? Get renters insurance coverage
Renters insurance may sound unnecessary or too temporary of a thing to worry about, but it takes care of you and your present situation. As you presently work and save for your future and your retirem...
Being a smart car owner and safe driver will save you money
While owning a car is necessary for many people today, it has the potential to put a significant financial burden on drivers. With the increasing cost of gas, the need for insurance, and the financial...
Auto insurance protects you and other drivers on the the road
Many people just get the basic auto insurance coverage and ignore all the other benefits they can gain for just a little more cost each year. If you are going to be paying for coverage every month, ta...
Save money by bundling your renters and car insurance policies
The most important thing to remember is this: if you want to do business with just one company, they generally offer a discount for bundling your policies. Keep track of your credit score and be a sma...
Protect your vacation home with the right home insurance policy
As you can see, there are many minor details specific to insuring vacation homes that can be the difference between a claim being fully covered or denied. Please contact a qualified broker to discuss ...
Auto insurance claims can result in higher premiums and surcharges
Not every bit of damage to your car should result in a claim because it could easily cost you more in the long run with higher insurance premiums. Othertimes, it will save you money and get you back t...
When should you file a home insurance claim or pay out-of-pocket?
Being able to file a home insurance claim is the reason why people have insurance in the first place, but it’s always important to keep in mind that premiums can increase, surcharges exist, and an i...
Protect everything in your home and car with theft insurance
As you can see, there are many facets to theft insurance. A theft claim can leave a homeowner with a large out-of-pocket expense if their coverage is not proper for their specific needs. Please rememb...
Choose the right home insurance policy for your condo or co-op
As you can see, condos and co-ops involve some specific caveats that are atypical on the standard homeowner’s policy. Please follow this advice and make sure you contact an insurance professional to...
Homeowners: Factors to consider when purchasing home insurance
Some key points to remember: Go higher, not lower with your liability coverage. Make sure your home is insured for replacement—not market—value. To lower your premium, try raising your deductible....
Advice for college students getting their first car insurance
Research is the key, both in choosing an agent as well as a company that is compatible with your budget. Heed this advice to help you find the best and cheapest insurance as you make your way to colle...
Why everyone should have an umbrella insurance policy
Umbrella insurance is useful to have in so many different circumstances. Set up an appointment with your insurance agent to discuss what kind of coverage you need. No one can ever have too much liabil...
Buying insurance is a necessity you can't ignore
When you spend your valuable time researching insurance and navigating confusing policies, you want to be sure you’ve purchased the best for you and your family. An insurance agent will be invaluabl...
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