Finding yourself in car accident on Houston highways or streets can be a major turning point in life. From possibly sustaining devastating physical injuries to the high medical costs you may incur, an accident can subject you to significant setbacks. In many cases, motor vehicle collisions are resolved through the respective insurance companies. However, before accepting any settlement deal from the insurance company of the negligent party, you should remember that their aim is to pay as little as possible for your claim that you will accept. For this reason, it is advisable to consult a Houston car accident lawyer to guide you with your legal claim.

If you or a loved one has been involved in an auto accident, you may not be at-fault for the crash. If this is the case, you are eligible for filing a lawsuit for the damages you’ve incurred. From loss of wages to medical bills and your pain and suffering, all these factors ought to be taken into account if the proper channels are followed. Unfortunately, not everyone can personally file an automobile accident case. The process is long and tedious, and many claimants are uncomfortable with representing themselves in court. This can be a stressful and frustrating task for car accident victims seeking compensation in Houston, making it important to consult with an experienced attorney as soon as possible.

Benefits of Having Legal Representation when Talking with an Insurance Company

Immediately after an auto accident happens, you will likely receive a phone call from the insurance company representing the negligent driver. Their aim will be to deter you from filing a suit against the defendant and instead encourage you to accept a settlement offer from them as soon as possible. By offering you an initial value for your case, their hope is to have you accept their terms immediately without consideration of the true value of your case.

However, the majority of these offers are far below the standard value for these cases. Should you accept their offer, you may end up with more debt than you had before the collision. But with the help of a Houston car accident attorney, the insurance company will have a difficult time trying to persuade you into accepting their low settlement offers. Our experienced lawyers can properly evaluate what a fair settlement would be. Once the insurance company is aware of your legal representation, they will likely increase the amount offered to dissuade your lawyer from filing your case in court.

What Tactics Do Car Insurance Companies Use to Avoid Reasonable Settlements?

Most insurance companies do not have your best interests at heart, as their main focus is on the amount of money they can save from your claim. If they are to compensate you at the outset with what a jury would award, their business model would not work. To avoid this, they will use all avenues and tactics possible to avoid paying you the full amount, as is dictated in their policies. These unfaithful acts can be distressing, especially when you have no source of income to finance the treatment costs for the injuries sustained. A dedicated lawyer can arrange for a proper treatment that does not leave you in debt.

Given the vast experience our Houston lawyers have in addressing car accidents, you will be able to detect any sign of ill will from the insurance company if any of the following happens:

Offering Less Money

Normally when a car wreck occurs in Houston, the insurance company sends an adjuster to evaluate the total costs of compensation you should receive. They are employees of the insurance company, and for that reason, they represent the interest of their employer. While your compensation value may be to the tune of thousands of dollars, an adjuster may lower it to hundreds of dollars. If you hire a Houston auto accident attorney, you will know what the appropriate settlement should be.

Delaying Payments

Making a promise and delivering on the same is distinct when it comes to car accident insurance companies. They may promise prompt payment but wait until the last minute to send you the check. Given the urgency you have to make up for lost wages and any miscellaneous costs arising from injuries sustained, it is prudent that your check arrives in a timely manner. However, when an insurance company fails to make true their payment promise, this should immediately raise an alarm. Your attorney can speed up the payment process by constantly following up with the insurance company, and if necessary, file a bad faith insurance claim if the insurance company takes too long to pay.

Which Car Accident Injuries Qualify for Compensation in Houston?

Unfortunately, not all types of injuries sustained from a car accident qualify for compensation in Houston. For example, you may sustain minor injuries which require no medical attention. As such, it will be difficult to make a claim for compensation.

However, severe injuries that may put your life or future at risk are open for much higher compensation. Compensable catastrophic injuries include:

  • Spinal cord damage
  • Bone fractures
  • Concussions
  • Traumatic brain injuries
  • Loss of limbs
  • Neck injuries
  • Burns
  • Total paralysis

The amount to be compensated is not set by any government entity, but a jury of your peers, and is based on evidence provided. It is for this reason that many claimants in Houston recognize the benefit of a motor vehicle collision lawyer in obtaining a reasonable settlement.

Key Factors Considered when Determining the Value of a Settlement

Every car accident that occurs in Houston is treated as a unique case from all others. It is, therefore, most likely that the settlement value for each crash will depend on a number of factors that a lawyer can help you review. Some of them include but are not limited to:

  • Extent of damage for each car
  • Extent of injuries
  • Road worthiness of vehicles
  • Credibility of drivers
  • Severity of injuries (whether temporary or permanent)
  • Witness testimony

Speak with a Houston Car Accident Attorney Today

A Houston car accident lawyer understands the extent of stress you have been subjected to after the collision. For this reason, we are ready to help you get back to your normal life by advocating for your rightful compensation. Call our office today for a free consultation.