After My Accident, How Does My Texas Insurance Claim Work?
You’ve had a car accident in Texas, and your vehicle was damaged, and you or a loved one was injured due to another’s negligence. If this applies to you, you could be entitled to compensation for the damage to your car, medical expenses, lost wages, and much more. If the other driver was at fault, the money you receive will commonly come from their insurance company.
This might sound simple, but dealing with any insurance company in Texas (and most states) can be legally complex and challenging for various reasons, and according to Texas statutes of limitations, time is not on your side.
If you want to get the total compensation you need and deserve, then obtaining an experienced, knowledgeable car accident lawyer is mandatory. Your lawyer will be familiar with all the aspects of how the insurance system works, make sure your rights are upheld, and much more. If you attempt to do this alone, you almost certainly will not get the money you deserve and need.
You must know that Texas is an “at-fault” state concerning car accident claims. This means that the at-fault party compensates you, as the injury victim, for the damage they caused and possibly significantly more.
Most civil cases (not criminal ones) hold the at-fault party liable for paying for the financial losses you’ve suffered because of their negligence.
Your lawyer will prove that the at-fault party who caused your accident is responsible for payment, although, at times, it could be the vehicle manufacturer, dealership, or more.
Usually, insurance companies are not liable; however, they are responsible for paying for the damage caused by their insured driver. So, by realizing this fact, be aware that almost all insurance companies will do whatever they can to pay you as little as possible; it’s the job of your aggressive and skilled car accident lawyer to ensure that this doesn’t occur and you get the total amount of compensation you need and deserve.
How Can the Insurance Company Decrease My Compensation?
First, you must understand that any insurance claim is always based on a “negotiation.” The insurance company will willingly offer you a “lowball” amount, and if you take it, you most likely are making a huge mistake. Even with all the documentation your thorough lawyer will provide, a significant amount of your case will depend on the negotiation skills of your skilled Hidalgo County car accident lawyer. Your lawyer’s well-honed negotiating skills will be invaluable to winning your case and getting the dollar amount you need and rightfully deserve.
First, the insurance company will send an “adjuster” to speak with you or the person who caused your accident. Always remember that no “adjusters” are on your side, as they are trained to search for whatever they can find to deny or attack your claim.
They usually will systematically attack specific facts in your case, such as;
- Your Coverage – The adjuster will determine if your claim is a “covered loss.” Did the other driver have insurance for this loss, and were they a covered car driver? No matter how serious your injury or how liable their driver was, they will always look for coverage “loopholes” to get out of paying.
- Any Liability – All adjusters will attempt to find liability issues that help them avoid paying your claim. They will try to find anything that proves their driver did nothing wrong and was “negligent” in any way.
- Damages – They may try to diminish or deny your injuries or dispute that you suffered any physical, mental, or financial harm.
The adjuster’s job is to pay you as little as possible, but your empathetic car accident lawyer’s skilled, aggressive, and tireless help will help ensure your rights and that your claim is defended at all costs.
For You To Get the Compensation You Deserve, Negotiation is the Key Factor!
If you’re injured in an auto accident, you must consult and work with a skilled, knowledgeable, and empathetic auto accident lawyer. Once the facts are established, then negotiation becomes the factor that your qualified lawyer will focus on. Your Hidalgo County car accident lawyer, also highly skilled in negotiating, is ready, willing, and able to fight for your rights against these adverse claims.
After your accident, you have enough to deal with it, especially if you are hurt or cannot work. Your priority is to recover and avoid undue significant financial stress on yourself and your family.
The negotiation process in these liability cases is detailed and highly intricate. You must realize that you must have a professional on your side to obtain the outcome you’re entitled to.
The insurance company has numerous lawyers, and with the help of their adjuster’s findings, will do all they can to get you to settle quickly and for the lowest amount of compensation possible.
However, your aggressive and detail-oriented car accident lawyer will use their significant negotiating skills and evidence to successfully combat all the negatives made against you and your case in the best professional manner.
Will My Car Accident Settlement Take Long To Finalize?
Some claims settle in weeks, but that’s rare. Usually, it may take several months or even a year or more to finalize your case.
A critical factor in your case is your medical treatment. It may take time to learn the full extent of your injuries and the total cost of your present and future medical needs.
The insurance companies know that, in most cases, time is on their side. That’s why they will try to “lowball” your claim quickly, so you don’t have time to know what you may need to recover.
Another critical factor is how complex and challenging the insurance company approaches your case. This may be out of your control, but your experienced lawyer will fight to keep up the pressure on the insurance company and push back against any tactical delays by fighting for the compensation you deserve.
The minute you accept a settlement offer from the insurance company, it’s over. You can never go back for more compensation for your car accident, even if other injuries or symptoms arise and your costs turn out to be significantly higher. This is why you must work with a car accident lawyer by your side.
I’ve Had a Car Accident and Need Compensation; How Should I Proceed?
The first thing to remember is that all insurance companies will attempt to deny your claim or pay you as little as possible, no matter how injured you are.
However, even if they try to “lowball” you or deny your claim, your fight for compensation isn’t over or lost, not with the right, professional law team.
The Brasure Law Firm has been defending the rights of Hidalgo County car accident victims for decades. Call them today at (956) 903-2873, and they will provide you with a free, professional consultation on your case. Also, in most cases, they get paid when you do!
Your skilled auto accident law team will give you the full attention your case deserves and tirelessly fight to obtain the funds you rightfully need and deserve after your accident. They are well-versed in battling the insurance companies’ tactics and won’t let them impair your or your family’s future.