After a car accident, you may need to file a Houston auto accident claim. This process can be complex, which is why you may want to hire a lawyer to work on your behalf. Filing a claim allows you to seek compensation from the at-fault driver. However, there are many potential complications involved with the claims process. In this article, we’ll explain car accident claims, the general process, and why you might need an attorney for your case.
What is a Houston Auto Accident Claim?
First and foremost, what is a Houston auto accident claim? Essentially, this is where you tell the insurance company that you will be seeking compensation for the accident. The state of Texas requires you to have an auto insurance policy to cover the costs of accidents you cause. If you’re in an accident where there’s property damage or injuries, then it’s likely that at least one person will file an auto insurance claim.
When you file a claim, the insurance company typically offers a settlement amount. This is an amount they are willing to pay you for your claim. Generally, accepting the settlement for your claim also involves signing an agreement that you won’t seek further compensation for this accident, whether by filing another claim or filing a lawsuit.
It’s important to keep in mind that insurance companies try to settle claims for the least amount of money possible. They want to protect their interests and reduce costs from the accident. However, most insurance companies also try to avoid going to court to settle car accident disputes, as the outcomes are often uncertain from their standpoint and may cost them more than settling in the long-run. However, many insurance adjusters use tricks of the trade to try to get you to settle for a lower amount than your case is worth. All this is important to know if you’re considering filing a Houston auto accident claim.
Why File a Houston Auto Accident Claim?
So, why might you decide to file a claim after a car accident? Every case is different, so it’s important to think about the specifics of your car accident. However, generally people file auto accident claims when they experience some sort of damage or injury from the accident.
For instance, let’s say you’re rear ended on your way to work. You have some paint damage to the back of your car and end up missing out on a few hours of work while waiting for the police to arrive for your accident to make a report. You also start experiencing neck pain and decide to get medical advice about your injury. In the end, your accident-related expenses might include the repair bill for the damage to your car, the lost wages from dealing with the aftermath of the accident, and your medical bill from having your neck looked at by a doctor.
An auto insurance claim is designed to help you recoup those related expenses from the at-fault driver’s insurance company so you don’t end up footing the bill for the other driver’s negligence. In some cases, you can also file insurance claims against your own insurance to repair your car if your policy covers the type of damage and the circumstances surrounding it.
When to File a Houston Auto Accident Claim Against the At-Fault Driver’s Insurance
It’s tricky to know exactly where to file after a car accident. You can talk to our Houston car injury attorney about the specifics of your case. However, generally you will want to file a Houston auto accident claim against the other driver’s insurance if they were clearly at fault for the accident. That’s why you gather the other person’s information after an accident.
When to File a Claim Against Your Own Insurance
After any accident, even if you plan to file a claim against the other driver’s insurance, you typically need to at least inform your insurance company of the crash. In some cases, you might also decide to file a claim with your own insurance for the accident. If you’re not at-fault for the accident, then typically the reason you would file an insurance claim through your own insurance is if the other driver doesn’t have insurance coverage. Just keep in mind that typically uninsured motorist coverage is a separate add-on for many policies. If you don’t have this coverage, then you may need to explore other avenues with your Houston car injury attorney for seeking compensation for an uninsured driver.
Why Hire a Houston Car Injury Attorney for Injury Claims from Auto Insurance?
There are many reasons why you might consider hiring an attorney for your auto accident case. Lawyers can work on your behalf to advocate for your rights after an accident. We can help with everything from filling out paperwork to gathering evidence for the accident and your claim amount.
Talk to the other driver’s insurance company at your own risk. In many cases, any statements you make to the other insurance company are recorded and may be used against you. For instance, even the simple question of asking how you’re feeling can have ulterior motives. If an insurance adjuster asks you how you’re feeling and you say you’re fine, they may use that to argue you’re not as hurt as you claim for your case. Instead, it may be helpful to direct the insurance adjuster to your Houston traffic accident lawyer. Our lawyers offer experience talking with and negotiating with insurance adjusters. Your lawyer can discuss your case on your behalf and is often familiar with many of the tricks the insurance industry may try to use to devalue your claim.
How to File a Houston Auto Accident Claim
Filing a Houston auto accident claim looks different for every insurance company. However, it typically starts with a phone call or an online form. After a car accident, be sure you get the other driver’s insurance information as well as key details of the accident. On their insurance card is typically a number to call or a website to visit to start a claim.
It can be helpful to have your Houston traffic accident lawyer help you fill this paperwork out. In many cases, incorrect or incomplete paperwork can delay the settlement process. Also, your attorney can help you determine the value of your claim and what kind of evidence you should submit for your claim. For instance, you might want to submit pictures of the damage you took at the accident scene as well as your medical bills to show proof of your damages and injuries.
DeSimone Law Office – Your Legal Team for Car Accident Injuries
If you’ve been involved in a car accident in Houston, call our team at DeSimone Law Office. We offer experienced legal help for car accident cases. If we can’t help you recover damages for your claim, you don’t owe us a penny. Our team offers legal support for accident claims and lawsuits from auto accidents. Get in touch today for a free consultation for your case.