Our Texas car accident lawyers explain what to expect when dealing with insurance companies
It is the job of an insurance claim adjuster to investigate car accidents and determine liability. If it's clear that the other driver was at fault, the adjuster may determine how much the insurance company will pay you. Sounds like a quick and easy process, right? Sure it is, but if you accept a quick lowball settlement from the insurance company, it's case closed. You may later learn that you need to undergo an operation or months of physical therapy for a serious injury.
Before agreeing to a settlement from the insurance company, it is important to be aware of your rights. You're likely eligible for a greater amount of money, but getting it won't be easy. That's where the experienced car accident lawyers at Tracey Fox King & Walters come in. Below, we explain the tricks insurance companies use and how to avoid falling for them.
Information insurance companies ask for
Insurance companies stand to lose a substantial amount of money from your car accident. Be aware that they will look for anything they can use to leverage against your claim. They are successful at getting information out of crash victims in many cases. They often come across as friendly and seemingly helpful. Here is what insurance companies will look for from you:
- A recorded statement: You'll get a phone call from the at-fault driver's insurance company asking to hear your side of the story in a recorded statement. They want you to slip up and say the wrong thing. They know which statements to use against you. Even if you argue in your own favor, they will use the slightest admittance of fault against you. It is best to tell the insurance representative that you have legal representation and any questions will be answered by your attorney.
- A copy of your medical records: In addition to asking for a recorded statement, the insurance company will likely ask you to sign a release so they can have access to your medical records. Why would they want access to your medical records? Most likely, they plan to downplay the extent of your injuries. They will argue that your injuries are exaggerated or not related to your crash. They may also ask why you waited so long to see a doctor if your medical treatment was delayed. If they ask you to sign a release, simply decline. Let our experienced attorneys get a copy of your medical records so we can link your injury to the crash.
Steps you can take to build a solid case
Building a solid case against an at-fault driver and their insurance company takes hard work and preparation. Our attorneys have the know-how and clout to demand legal action and get results. The steps you take from the beginning can maximize your chances of getting the compensation you deserve. If you're not sure where to start, here are some steps we urge you to take:
- Notify your insurance company that you were involved in a crash (if you haven't already done so), but only stick to the basic facts.
- See a doctor as soon as possible, even if you feel fine. Delaying medical treatment only gives insurance companies more leverage against your claim. Be sure to get documentation of your diagnosis and medical treatment.
- Speak to one of our lawyers to learn about the legal options available to you.
How our Texas car accident lawyers can help you
The legal team at Tracey Fox King & Walters has experience litigating the most complex car accident cases. We know what to look for when investigating a crash scene, speaking to witnesses, and obtaining critical documentation. When the other driver's insurance company tries to shift the blame onto you, the evidence we gather will tell the real story.
Our lawyers will never settle for an unfair settlement. We'll fight to help you recover all crash-related medical expenses, lost wages and expenses from property damage. If you suffered pain and suffering, mental anguish, or loss of enjoyment of life as a result of your crash, we will help you get compensated for that, too.
With law offices in Houston, Dallas and San Antonio, we serve injured motorists across the State of Texas. If you were hurt in a crash, we'd be glad to discuss your legal options during a free and confidential case evaluation. Contact us online or call us to get started.