If you have been involved in an accident in which another driver is at fault, your insurance company may pay for your expenses upfront and then pursue a claim against the insurer of the other driver. This often-misunderstood process is known as subrogation. Understanding the principles and provisions of subrogation can help you to avoid serious missteps that could limit your ability to recover compensation for your accident. Consulting with a qualified Houston auto accidents attorney is the best way to prevent issues with your insurance company and ensure the highest possible settlement for your damages and injuries.
What Is Subrogation?
After an accident, your insurance company may offer to handle payments for your injuries and the damages to your vehicle. A subrogation action is designed to allow vehicle repairs and medical treatments to move forward without unnecessary delays while the insurance companies determine who is at fault for the accident. By paying upfront and then seeking compensation from the other driver’s insurer, your insurance adjuster can streamline the process for you. In most cases, retaining the services of a Houston car crash attorney can help you manage all communications with your own insurer and with the insurance company of the other driver to ensure the best possible resolution of your situation.
Navigating the Subrogation Process
Your insurance company may require you to pay your deductible in full before subrogation can begin. Depending on how fault is assigned after the investigation, you may recover some or all of this deductible amount from your insurer. Be careful of signing any forms or documents presented to you by the insurance company of the other driver. These forms could include a waiver of subrogation that could prevent your insurer from pursuing reimbursement from the other driver’s insurance company. If this occurs, your insurance company could refuse to pay your claim, leaving you responsible for all medical expenses, repair costs and other financial consequences of your car accident. Your Houston auto accidents attorney can provide you with expert guidance throughout the auto accident claim process to help you avoid these pitfalls and to ensure the best outcome for your case.
If you need an experienced and knowledgeable Houston traffic accident lawyer, the DeSimone Law Office can help with the most effective representation and the best options for your auto accident case. We have more than two decades of experience in the Houston area and can provide you with the right solutions after a serious auto accident. Call us today at 713-526-0900 to discuss your case with one of our experienced attorneys. At the DeSimone Law Office, we want to be your attorneys for life.