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A Checklist of Warning Signs that You Need an Experienced Texas Accident Injury Lawyer
In most instances, it takes a Texas car accident attorney to make sure that accident victims like you end up recovering the actual worth of their medical bills, pain, suffering, disability (if applicable), and damages to their vehicle and its contents that were caused by a negligent defendant. And as we said at the beginning of this article, if the circumstances surrounding the accident and its coverage level are minor, the chances are good that a reasonably intelligent accident victim can successfully manage his or her claim on their own without the assistance of a lawyer. But, here are some of the scenarios where achieving a full recovery for your total damages are best served through a local car accident attorney.
You’ve Suffered Physical Injuries in the Wreck in Seguin Tx
If you suffered any sort of bodily injury in your vehicle accident, it’s best for you to have an experienced Texas lawyer handle your claim. A good rule of thumb in deciding this is whether or not you need to make a return visit to your doctor after being treated for your injuries. If you’ve been given a large prescription for heavy pain medication, that’s another pretty good clue. More on this website
When you seek damages for bodily injuries, insurance companies don’t necessarily have to abide by any predetermined guidelines when deciding how much to pay you. And sometimes, because some of them are quite ornery, insurance companies are more about premiums than claims and decide to pay you nothing. Such blanket refusals are the first benefit of having an attorney who is fighting for your interests: which are also his or hers. If you’ve suffered broken bones, head injuries, back injuries, or any other sort of injury in your wreck, do the smart thing. Call a good attorney. And do it quickly.
The Other Driver is Hard to Deal With
It’s also a good idea to call a car accident lawyer if the other driver involved in your accident gives you a hard time: at the scene of the wreck or later, or if that other driver doesn’t want to give you his contact or insurance information. Negligent – then cantankerous – accident “victims” usually have something to hide, either from the law or their insurance company. This could be an early indication that this “defendant in-training” is already making it as difficult as possible for you to recover what you deserve. If you experience this kind of behavior from the other driver, think of it as a big red flag that you need to hire a lawyer: or at least have a serious conversation with one.
The Insurance Company Pressures you to Settle or Keeps on Harassing You
Insurance companies can be extremely difficult to negotiate with. And besides that, they love to take up a lot of your time and give you nothing, especially if you haven’t got an attorney to insulate you from them. Insurance companies protect their own interests. And as we’ve said, those interests involve collecting premiums and paying out as little as absolutely necessary. So if you’ve been injured, their interests are the direct opposite of yours. They’ll use adjusters to try to find ways to deny your claims as they try to deceive you by appearing to be trustworthy. They call you repeatedly, asking innocent-sounding questions about your accident. Their inquiries may seem harmless. But they’re usually calculated to induce you to say something that could be used against you to deny your claims. Whatever you say to them will probably be recorded and could come back to haunt you as evidence against your claim when it’s time to go to court.
Put our years of experience to work for you. If you want to know what your rights are, how to proceed with your claim, and how much compensation you can secure from your auto accident case, call our Law Firm now for a free consultation and find out how we can help you.
Personal Injury Attorney
If you or a loved one has been injured and is looking for an injury attorney, please call us for a complimentary case assessment. Our team of legal professionals can answer many of your initial questions over the phone.
If you are looking for an experienced and dedicated accident attorney, our team has handled hundreds of accident claims successfully, with millions of dollars in personal injury settlements collected for our clients. More on this website
As your personal injury attorney, we will take care of your case from start to finish. We want you to focus on healing. Our team professionally manages all aspects of your case, including:
Handling your medical bills
Recovering your lost wages
Fighting with insurance claim adjusters on your case
Reviewing police reports
Reconstructing your accident with our experts
Preparing your case for settlement or trial
Our Guarantee: NO FEES until we COLLECT FOR YOU
When we believe in a case, all costs are advanced and our clients pay no attorneys fees unless we win damages on their behalf. If you want an injury attorney with experience in handling injury claims professionally, our Law Group is a firm you should strongly consider.
Types of Personal Injury Cases We Handle
Car or Motorcycle Accident Injuries
Commercial Trucking Accident Injuries
Bicycle & Pedestrian Injuries
Injuries to Children
Brain & Spinal Cord Injuries
Construction Accident Injuries
Call us for a FREE, NO-OBLIGATION case assessment.
Should you choose to retain our Law Firm as your accident lawyer, you will be pleased to find a more personal experience compared with most other law firms. We know your case is important to you, and for that reason, it’s important to us. We strive to be accessible to our clients while we work to settle their cases and keep them informed of what the process is and what to expect.
One of the most important things you can do after being hurt is to find the kind of injury attorney Texas residents can count on for reliable service. If you are looking for the most caring and reliable personal injury attorney Texas has to offer, your search can end here. Please visit this website
The Odds are Nearly Even That Your Injury Claim Will be Denied: Regardless of the Insurer
A popular tactic of some auto liability insurers is to suddenly find an excuse to cancel the policy of its customers once they are involved in an injury-related accident. There are as many of these insurers as fleas on a dog. Some arbitrarily cancel for no reason or say that the monthly premium payment didn’t arrive before the wreck was reported, even if it did come and was credited during the mandated ten-day grace period.
The Texas Department of Insurance keeps records on how insurance companies honor claims, and they’ve recently revealed some very sobering data. One Texas minimum coverage insurer took in over $271 million in premiums in one year. But it has a claims complaint index that is two-and-a-half times higher than the state complaint average. Another took in $575 million and had a complaint index of nearly four times the state average. The TDI also has a “top 10” list of insurers that have the highest total complaints in the way they handle claims.
A recent analysis of the Insurance Department’s consumer complaint figures showed that 11 of the 25 largest auto insurers in the state, all of whom are supposed to be honoring over 100,000 policies each, had a complaint index that was above average. Complaints that drivers filed with the state included such practices as delays in processing claims, “low-ball” offers and settlements, denial of claims, and liability disputes.
Another favorite trick of some insurance companies in denying an injured claimant is for an adjuster for the company to tell the injured party that if the claim isn’t paid, the person will have to hire a lawyer and will probably wind up with little money for the trouble. At that point, the driver feels forced to take 50 percent or less of the claim for damages. This excuse is patently false. But since the driver probably hasn’t talked to an experienced auto accident attorney, he’s probably unaware of this fact, feels that he’s alone against the big bad insurance company, and accepts the substandard offer.
In one year alone, consumers filed more than 6,600 complaints against auto insurers in Texas. More than half were filed by drivers who said they were not at fault in an accident but had trouble getting an insurer to pay their claims. Texas Watch is a watchdog consumer group that has turned more of its attention to auto insurance issues and their trend of higher denials: but UM/UIM and the more reputable firms as well. The group says that unethical companies have an advantage because they undercut regular insurers on price mainly because of their claims payment practices. A spokesman says, “the business model is they drag their feet and make it as difficult as possible for the claimant to collect in hopes they will take a low-ball offer or give up.”
Texas Watch completed a survey of customer complaints when filing damage claims against auto insurers in Texas. The largest complaint types and their percentages were:
Delays in handling claims 36.7%
Unsatisfactory offers 21.8%
Denial of claims 16.3%
Customer service 10.5%
In an underinsured motorist coverage claim, things can get very complicated for non-attorneys. For an underinsured claim to be valid, you have to show that you exhausted the other available policies. In other words, if you have $100,000 in total damages and the negligent driver has only $60,000 to cover fully, you have to get all $60k, or your UIM claim is viewed by your insurance company (if you have UM/UIM coverage) as invalid.
It is very easy for the defendant’s insurer to pay you only 70% of the value of their policy. The fact that you didn’t collect full value makes it impossible for your UIM claim for the difference to be honored by your carrier. And there are a few well-known insurance carriers on that top-10 list that is kept by the Texas Department of Insurance; firms you would think would not be on that list.
In short, it is all the more important to have an experienced vehicle accident injury attorney help you with both claims (the liability claim against the other party and the UIM claim against your insurance.) Your success lies in collecting full damage value from both. In cases where you successfully get the other party to tender policy limits, thereby exhausting that policy, you still encounter the difficulties of your company’s insurance adjuster’s alleged ignorance with regard to Texas laws, particularly the Texas Deceptive Trade Practices Act.
Your claim then becomes a contract issue between you and your carrier rather than a tort issue. Our Law Firm knows how to leverage a TDTPA violation claim against an insurer (either the other driver’s or yours) to do the right thing and pay both of your legitimate claims when an underinsured motorist has hit you.
Don’t add to the stress and confusion of an accident by letting an inexperienced attorney handle your case or represent yourself when you are unqualified to look out for your (or your family’s) best interests. We are uniquely qualified and fully prepared to fight for and win the fairest compensation for your total damage claims. If you or someone you know was in a car accident, contact an attorney at our Law Firm today at 1(800) 862-1260 (toll-free) for a free consultation and find out how we can help you.