The car accident claim process in Texas starts with obtaining the other driver’s insurance information. You should ask for this information immediately after your collision. Texas is a “fault” state, which means that the driver who is at fault for the accident is responsible for paying claims. You will need to work with the at-fault driver’s insurance company to submit information about your accident, medical bills, and other economic losses.
2016 SAW ALMOST 15,000 TRAFFIC ACCIDENTS, RESULTING IN 3,773 FATALITIES
Depending on the seriousness of the crash, the other driver’s insurer might be easy to work with—or they might not. It is not unusual after a devastating accident for insurance companies to drag their feet and not pay the compensation you deserve, even if you are completely innocent. Instead, when a lot of money is on the line, you can expect the insurance company to thoroughly investigate the collision to determine whether you are to blame in any way. Under the Texas accident laws, the amount of compensation you receive will be reduced by your own percentage of fault.
The insurance company might also want more detailed information about your injuries, and they might allege that you aggravated your injuries by not following your doctor’s orders. You can protect your claim by regularly seeking treatment for your injuries and avoiding large gaps between your treatments.
For these reasons, hiring a Texas car accident lawyer is an absolute must. Your attorney can communicate with the insurance company and negotiate for a full and fair settlement. An experienced Texas car accident lawyer knows all the tricks that insurance adjusters use to deny claims and are prepared to press for maximum compensation.