When an accident occurs, victims turn to insurance companies for settlement. Unfortunately, many expect the claim process to be smooth. However, nothing could be further from the truth. Dealing with insurers after a car accident in Channelview can be daunting when you don’t understand how insurance claims work.
To deal with these companies, you should avoid admitting fault, accepting initial offers, or downplaying your injuries. With this in mind, an aggressive car accident lawyer in Channelview should handle insurance companies after a car accident. One that is committed to delivering justice at any cost, even when it means taking the case to a courtroom.
3 Things You Shouldn’t Do When Dealing with Insurers After a Car Accident
Speaking with insurers about potential settlements can be challenging. Everything you say is recorded and will likely be used against you.
Understanding what mistakes to avoid and what not to say can serve your quest for justice a great deal. Below are three things you should avoid when dealing with Channelview insurance companies after a car accident:
Admitting Fault
It is normal to want to admit fault, mainly when your actions also contributed to the accident. However, saying so to insurance companies can significantly impact your case, possibly resulting in the denial of claims. Your admission could be incorrect or premature, especially when you don’t have all the facts about the accident. Insurers will take advantage of your statement to deny or reduce your claim.
Additionally, admitting liability when dealing with Channelview insurance companies after a car accident will affect your legal standing in court. Remember, Texas is a comparative negligence state.
This means your fault could make recovering compensation in the courtroom challenging. For instance, if your degree of liability falls above 50%, you will not be eligible for compensation. Speaking with a car accident attorney before providing a statement to insurance companies can protect you from such mistakes.
Accepting Initial Settlement
The days and weeks following a car accident can be financially challenging. There will be medical bills to pay, damaged property to repair, missed work, and potential rehabilitation. So, when insurance companies reach out with an offer, you will be tempted to settle immediately. However, that is the last thing you should do, especially if you have yet to retain a car accident lawyer.
In our experience, the first settlement offer is rarely fair. Insurance companies will want to settle quickly before your damages pile up. They also want to avoid going to court, where they will likely pay more. Accepting the initial offer will ultimately be detrimental to your claim. You will waive your right to more compensation.
You cannot claim additional money if you incur extra costs, such as medical expenses for ongoing or future treatment. Consulting with a knowledgeable personal injury attorney helps determine the actual value of your damages before settling.
Downplaying Your Injuries
Another common mistake many claimants make is downplaying the severity of their injuries. Even if you think the harm you suffered is not severe, you should still get a medical evaluation as soon as possible. Don’t assume your injuries are benign. Some symptoms don’t show until it is too late.
Insurance companies will likely deny the claim or reduce your settlement when you downplay your injuries. They will argue that your injuries are not genuine or are not as severe as you claim. The only way to prove them is through medical documents and testimonials from a doctor. Timely consultation with a skilled attorney allows for honest and accurate communication about your injuries and their impact on your life.
For a free legal consultation, call (832) 449-8230
What to Do When Your Insurance Claim is Denied
It’s not unusual for insurers to deny claims. When this happens, don’t panic. Review the reasons why the claim was dismissed. Then, gather every piece of evidence you can, such as police reports, medical documentation, witness statements, expert testimonials, and photos. They will help you counter the denial and build a strong case.
Most importantly, consult with a local car accident attorney. With their experience, they can offer beneficial legal advice and handle insurance companies on your behalf. They know the different tactics insurers use to deny claims and are better positioned to advocate your rights effectively.
In any case, most auto wreck lawyers take up cases on a contingency arrangement. They get paid only if a successful outcome (settlement) is reached. Therefore, you have all the reasons to get legal help when dealing with Channelview insurance companies after a car accident.
Get Help with Your Insurance Claim Today
Enlisting the services of a qualified auto wreck attorney is the only way to make sure insurers treat you fairly.
Our team is dedicated to helping you get the most from Channelview insurance companies after a car accident. Feel free to contact Lone Star Injury Attorneys today for a complimentary consultation.
Call or text (832) 449-8230 or complete a Free Case Evaluation form
