What To Know About Filing An Accident Claim With the Insurance Company

Insurance companies can often be quite perplexing when it comes to the claims process. Although they offer vital protection against unforeseen events, they can also take advantage of our weaknesses during difficult moments. This is why it’s important to understand the information that insurance companies may want to keep under wraps. By familiarizing yourself with their tactics and approaches, you can more effectively protect your rights after an accident.

The 4 Things You Need To Know

1. Understand Your Rights. A lot of people believe that insurance companies put their needs first, but that’s really a misunderstanding. The reality is that these companies function as businesses aimed at making money. Their primary objective isn’t to provide you with the best service or to handle claims justly. If you’ve been in an accident, it’s important to understand your rights before speaking with insurance claim adjusters. Not knowing this could result in you agreeing to a settlement that is significantly less than what you truly deserve.

2. Don’t Accept the First Offer. Insurance adjusters frequently try to offer you a settlement that is much lower than the true value of your claim. They are adept at this approach because they know that many people are not completely aware of what their claims are actually worth. It’s essential not to let this tactic deceive you! If you think the first offer is inadequate, keep in mind that you have the right to negotiate for a better amount. Insurance adjusters are expert negotiators, and it’s important to remember that. Their primary goal isn’t to give you a fair settlement; rather, they want to persuade you to accept the smallest sum of money they can provide.

4. Don’t Talk To The Opposing Party’s Insurance Company. One common tactic used by car insurance companies is to persuade claimants to make statements that could later be used against them. An insurance claims adjuster may pose leading questions aimed at confusing you and encouraging you to say something that might result in your claim being denied. They will probably ask about your injuries, any medical treatments you have received, and how much work you have missed. Furthermore, they might request your consent to examine your medical records. It’s important to remember that you are not required to give the insurance company all the information they ask for.

5. Hire a Personal Injury Lawyer. If your insurance claim is rejected, you can choose to pursue legal action. An experienced attorney can help you prepare the necessary paperwork and represent you in court in front of a judge and jury. In Texas, the system for car accidents is based on fault. This indicates that if you are part of an accident, the individual deemed negligent will have their insurance company manage the claim, instead of the victim using their own car insurance.

Determining How Much An Insurance Claim Is Worth

Insurance companies typically rely on simple calculators and flawed algorithms to assess damages and losses, which is quite different from the methods used by personal injury lawyers. Unfortunately, these tools frequently fail to reflect the true extent of the damages experienced by the claimant. Because of this, attorneys adopt a more customized strategy when evaluating personal injury claims, ensuring that their clients obtain the full compensation they are entitled to.

The primary objective is to calculate the total medical expenses, the costs related to fixing or replacing any damaged items, lost income, and any extra expenses, like car rental fees, that might have come up. The total amount of economic damages you can claim will be the final number you receive. On the other hand, non-economic damages, which focus more on personal feelings and perspectives, will require the insurance company to follow a particular process to determine the value of your claim.

IF YOU’VE BEEN INJURED IN A CAR, TRUCK, OR MOTORCYCLE ACCIDENT, CONTACT THE LAW OFFICE OF BRIAN BRUNSON TODAY.

Named one of the “Best Car Accident Lawyers in Dallas” by Expertise.com, Brian Brunson is Dallas personal injury attorney who is dedicated to helping clients who have suffered a car, truck, or motorcycle injury through the negligent or wrongful conduct of other drivers. In addition, his professionalism is unmatched and the firms’ client reviews speak for themselves.

We proudly serve the Dallas-Fort Worth metroplex and surrounding areas, our office supports the legal needs of a wide variety of clients. Let the Law Office of Brian Brunson be your advocate in your time of need and help you put your life back together. If we can’t win or settle your case, you don’t pay a dime! We know it can be daunting to take that first step after you’ve been hurt. Contact Brian Brunson today via email or call us toll-free at 1-844-41-WRECK. We can help, when no one else will.