Car accidents can leave victims reeling from physical injury and emotional trauma. When attempting to recover from the stress of this sort of incident, the last thing that one needs is to encounter unreasonable objections from an insurance company. Although motorists pay insurance premiums in order to ensure that they have adequate financial resources to contend with the effects of a crash, insurance companies may not readily meet their contractual obligations.
If you have been in an auto accident and are struggling to receive the benefits that you are due from your insurance company, the New Braunfels insurance claims attorneys of the Burch Law Firm are prepared to help. Contact our offices at 830-629-0955 for more information.
Car Accidents and Insurance Companies
When a car accident occurs in Texas people can be left dealing with a range of emotions. In cases of serious wrecks, people may have injuries they are trying to heal from, property damage and emotional scars. People may be wondering why the accident occurred, and why it had to occur to them. And, they may be dealing with the financial difficulties that often accompany these types of accidents.
In many cases, people want to turn to an insurance company to help them following an accident. However, Texas residents must keep in mind that insurance companies are businesses. They are not under any duty to help people, but are looking out for their own bottom line. When it comes to dealing with insurance companies after an accident, people should keep several things in mind.
First, people need to understand their coverage. People should read their coverage to determine what kinds of costs are covered or excluded under their policy. People also need to respect any time limitations included in their policy. For example, if you were hit by an uninsured driver, you will require uninsured / underinsured motorist coverage.
People also need to contact their insurance company. However, giving written statements or recording a statement could create problems for people. People should makes sure to understand their policy before allowing recordings or signing anything.
Also, people need to make sure to keep track of the damage and their expenses relating to the car accident. People should keep any receipts, take pictures of the damage and keep records of injuries and any other relevant information.
Finally, people should consider hiring an attorney. An attorney can ensure that people are getting a fair settlement from the insurance company for their injuries and not a low ball offer that will not cover all the expenses that can crop up.
Bad Faith Insurance
If an insurance company feels that the car accident does not fall within the individual’s coverage, they will not help pay for damages incurred from an accident. There are many times when this is not accurate, and the victims of the accident may suffer from physical injury as well as financial burdens. Some examples of an insurance company acting in bad faith include:
- Delaying payment of a claim for too long.
- Refusing to settle a case brought against an insured party.
- Failure to properly investigate a claim.
- Refusing to pay benefits equal to the full value of the customer’s loss.
- Claiming that the accident is not covered by the policy.
- Wording an insurance policy in a vague manner to create a basis for denial of coverage.
An insurance company’s failure to abide by the terms of a policy is frustrating and may be punishable by civil action. An attorney can help you to ensure that you are not wrongly denied benefits.
Don’t Let an Insurance Company Dictate a Car Accident Settlement
A car accident can be a scary situation for a Texas resident. Individuals may have to deal with property damage but also physical injuries resulting from the accident. People might spend the weeks following a car accident trying to recover from these injuries. This can be a daunting and expensive task.
However, individuals might also spend this time fighting someone else — the insurance company. Insurance companies also have a vested interest in car accident cases. They often work aggressively to try and settle the case as quickly as possible. They want to investigate and put the matter behind them as quickly and cheaply as possible.
However, an insurance company is only worried about one thing — their own bottom line. They are not interested in ensuring that individuals get the compensation they need because of the accident. Instead, they want to minimize the risk to the company and ultimately minimize the settlement. This can be frustrating for individuals who are struggling to pay the immediate costs of an accident.
Individuals do not need to personally deal with an insurance company. An attorney can step in to negotiate with an insurance company and protect people’s legal rights.
The attorneys at our law firm understand how difficult it can be to work with an insurance company. Our attorneys can instead represent an individual’s interests to an insurance company. This means that we can negotiate with an insurance company to ensure that people get a fair settlement that covers all of their costs from an accident. We can also make sure that insurance company pays the claim in a timely manner and properly investigates all claims that may have arisen.
In some cases, insurance companies may try to deny a claim. We can fight the insurance company to make sure claims are not unfairly denied. While people focus on their recovery, our attorneys can focus on ensuring their financial security.
If you suspect that your insurance company or the other motorist’s insurance company has acted in bad faith in the wake of an accident, the New Braunfels insurance claims attorneys of the Burch Law Firm can assist you. Contact our offices today at 830-629-0955 to discuss your options with a member of our legal team today.