Car Accident Lawyers – How to Deal With The Insurance Company After An Accident
This Blog was posted By The Carabin & Shaw Law Firm. principle Office in San Antonio, Texas
How To Deal With Car Insurance
If you’ve been in a car accident, you are probably going to have to work with a car insurance company if you want to gain some financial compensation. This means that you are going to have to know how to complete an insurance claim.
The car insurance claim process can be complex, and you would probably prefer to avoid the entire experience altogether. However, knowing how car insurance companies work is crucial after you’ve been in a car accident.
When you’ve been injured in a crash, one of our qualified car accident lawyers can be a valuable asset. Give us a call toll-free or email us to talk over your options.
Car Insurance In Texas
In order to properly register a vehicle in Texas, you need to show that you are financially responsible. Texas requires the insured to purchase both bodily injury and property damage coverage. Minimum liability coverage in Texas is:
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
$25,000 per accident for property damage
Bodily injury coverage pays for bodily injury that others suffer from a car accident in which you are involved; it does not cover injuries you suffer. Property damage coverage pays for damage you cause to someone else’s property or vehicle; it does not cover damage to your car. Collision coverage is available for that purpose.
Talking With Your Car Insurance Company
Contacting your car insurance company is an important step to take after you’ve been in an automobile accident. However, review your policy and make sure you understand your coverage limits before speaking with your car insurance company.
Do not make any verbal or written statements to your insurance company without a thorough understanding of your coverage. Additionally, do not let a car insurance representative fool you into thinking that your conversation may be recorded – it cannot be.
When your car insurance agent gives you an initial estimate of your losses, do not automatically agree to it. It is a common practice of car insurance companies to provide lower than average estimates. You are better off getting a second opinion before agreeing with an agent’s initial estimate.
How To Deal With Car Insurance Companies
Many car insurance companies set time limits for certain actions, such as filing a legal claim or providing a signed proof of loss. Be aware of these limits and ensure that you do not miss any crucial deadlines.
Do not accept or cash any check stating that it is a final payment unless you are ready to do so. Accepting or cashing this type of check could prevent you from pursuing any further legal claims against the car insurance company.
Finally, keep copies of all receipts for expenses you incur while dealing with your car insurance claim. These expenditures could potentially be included in your final settlement amount.
To ensure the best possible outcome, it is best to retain the services of a qualified attorney to help you deal with car insurance companies. Car insurance companies do not usually want to go to court and if they are convinced that you have a valid case, they are more apt to be flexible when determining a settlement amount. More information on this page @ https://www.accident-lawyers-dallas.com/car-accident-attorneys
Our car accident lawyers will help you achieve your goal of obtaining an adequate settlement from a car insurance company. Email us or call us toll-free today.