After an accident with a negligent driver, you’ll need to file a Houston car accident insurance claim with their insurance company. Where many people go wrong after they’re injured in a car accident is deciding to go through the claims process themselves. Oftentimes, those who choose not to involve their attorney in their Houston car accident insurance claim end up receiving less in compensation than they deserve. There are many ways that a personal injury lawyer can help during your car insurance claim.
Your Attorney Will Gather Evidence for your Houston Car Accident Insurance Claim
After you file your claim, the insurance company will open an investigation into the accident. For auto accident claims in Houston, they will use evidence to determine who is at fault and how much they will settle for. Your attorney can help gather the evidence needed to prove their driver’s liability. For example, you likely took photos of the damage and filed a police report. A personal injury lawyer can obtain those records to submit them to the insurance agency. In some cases, they may also need to have an accident recreation expert to help prove who was at fault.
In addition, your attorney can also assemble evidence of damages for your Houston car accident insurance claim. This can include lost wages, medical bills, car damages, and other information. Doing so can help prove the extent of your injuries to the negligent driver’s insurance. Unfortunately, many people submit their medical records from the accident to the insurance adjuster and don’t realize that the doctor didn’t clearly state the cause or extent of their injuries after the crash. This can affect your car accident insurance claim. In these cases, your lawyer may request a special letter from your doctor detailing their opinion on the cause and severity of your injuries.
Determining Damages for Your Houston Car Accident Claim
After a car accident, damages can be difficult to calculate, especially if the accident injured you. While you can probably get an exact price for repairing your vehicle, medical costs can be a little more tricky. Your Houston auto injury attorney can help you determine what your damages are and what you should ask for in your insurance claim. Going it alone could mean you leave a lot of compensation that you need on the table.
At every point, the other driver’s insurance adjuster is trying to pay you the lowest possible amount to keep their profits high. This often leads to them offering low settlements early on after you file the claim. While this may seem like a quick and easy way to move on after your car accident, you should beware. Accepting a settlement shortly after your accident often means you won’t receive compensation for the total of your damages. By contrast, your attorney will factor in future medical costs, continuing care costs, as well as compensation for things like pain and suffering and reduced future earning capacity. Your attorney has the expertise to help ascertain the full extent of your car accident damages.
An Attorney Can Help You Negotiate with Insurance Adjusters
Additionally, your Houston auto injury attorney will negotiate with the insurance adjuster. This will help you get the compensation you deserve after an accident. Insurance adjusters work for the insurance company. Their motivation is to pay you as little as possible to maximize profits for the insurance company. However, they also want to avoid the risks and costs associated with a lawsuit. Therefore, your attorney will deal with the insurance adjuster. This helps you receive fair compensation from your Houston car accident insurance claim. As soon as your attorney is involved in your personal injury car insurance claim, they start helping you protect your rights.
In fact, claimants with attorneys receive, on average, about three times as much compared to people who work toward a settlement themselves. Your attorney knows all the methods adjusters use to trick people into taking a lowball settlement. Therefore, your lawyer will help you avoid all the headaches of negotiating with the adjuster. You can focus on healing after your accident while your attorney is dealing with the adjuster to help you receive the compensation you need.
Filing a Lawsuit When Needed
Another important reason to hire an attorney for auto accident claims in Houston is that they can help prepare for a lawsuit if you need. An insurance company may deny your claim, which leaves you paying for all your accident-related costs on your own. If this happens, you’ll need to file a lawsuit to recover your damages. With an attorney already on your side, you can streamline this process. Your attorney will already be up to speed on the details of the case. Therefore, they can quickly file a lawsuit. All the while, your Houston auto injury attorney will still be working toward a fair settlement if they can.
Also, even if the insurance company accepts and pays your claim, the driver may not have enough coverage to pay for your damages. An insurance company isn’t going to pay you more than the policy maximum, even if your accident-related costs exceed that number. In this case, then you may need to file a lawsuit against the other driver for the amount remaining. The negligent driver is still responsible for your injuries and damages. Your attorney can help you sue the other driver for negligence to help you receive the compensation you need.
Hire a Houston Auto Injury Attorney with Experience
At DeSimone Law Office, our team fights for your rights in and out of court after an auto accident. We don’t let insurance adjusters bully our clients into taking lowball settlements. Instead, we help you through the claim process. Our attorneys help you gather the evidence you need to prove the other driver’s negligence and will work with the adjuster on your behalf. This way, you can focus on your recovery while we take care of your claim. Our goal is to help you receive fair compensation after a careless driver injured you. Call us today at (713) 526-0900 to discuss your case with one of our legal professionals. We are here to serve you.