Houston Auto Accident | Insurance Claims
How Insurance Companies Handle Auto Accident Claims
When people are involved in a Houston auto accident, they are not in any condition to fight a large insurance company, but this is what is required in many cases. Insurance companies do not want to pay large sums of money to those who are injured in a Houston car accident, so they do everything they can to prevent this from happening.
The Claims-Filing Process
The process for filing claims is rather straight-forward. At least, it is supposed to be. The affected motorists notify their insurance agents directly after a collision. Adjusters with each company perform independent investigations to determine the cause of the crash. Then, one company sends a demand to the at-fault driver’s company for payment.
Officials from the company that receives the demand may disagree that their driver is at fault, so they dispute the claim. Both sides enter into negotiations to decide who caused the collision and how much money the injured individuals deserve to be paid. Those who act in good faith seek to do this as quickly as possible even if neither side secures legal representation from a Houston traffic accident lawyer.
In some instances, the two sides cannot agree. In this case, they consult the Arbitration Forums that help them come to a conclusion. Each side presents evidence to members of an arbitration panel who make the final decision. Once the decision has been made, it cannot be appealed.
How Insurance Companies Act In Bad Faith
When the process does not proceed as smoothly as described above, insurance company officials may be acting in bad faith, and a Houston auto accident lawyer is necessary. For example, a motorist has been injured at the hands of someone else. They sustain injuries that result in $15,000 in medical bills. They also need time to recuperate, so they have to miss work. This costs them $10,000 in lost wages.
After the injured party submits a $25,000 claim to the at-fault driver’s insurance company, officials with the company may offer them a settlement of $15,000. They do not expect people to hire a Houston auto accident personal injury attorney over $10,000, so they assume that this would be a great way to save money on this claim.
Knowledgeable Houston vehicle accident lawyers have been aware of the above-described tactic for the past 10 years. In addition, insurance company officials use other ploys to avoid paying fair settlements, including the following:
- Delay payment of the claim
- Deny that the injured was hurt
- Defend themselves and their decisions in long, drawn out court cases
Insurance companies assume that the injured will take the low settlements they are offered and forfeit their rights to obtain more. Do not let this happen to you. Contact the Houston car crash attorneys of the DeSimone Law Office at 713-526-0900. Every attorney from the DeSimone Law Office is well equipped to assist you with the filing of all insurance claims in Houston. The DeSimone Law Office is fully licensed and certified to defend your legal rights and help make your insurance claims process easier.