Insurance companies work on the principle of prepaid payments that one deposits so that they can utilize claims in the future. The claims are written when one needs to get their capital back from the insurance company due to various reasons. These can be approached in two ways, “in good faith” and “bad faith”. As per the contract, every company is supposed to approach claims in good faith, and declining or settling for a low rate is when the practice is going by the bad faith principle.
In Houston, once an individual has been exposed to this treatment, the best solution might be to take advantage of a lawyer. More specifically, a personal injury attorney. If one’s claim has been handled with bad faith, the lawyer can sue the company for additional damages. Although this is not easy to prove, it can be done. Additionally, by proving that there was some type of bad faith, the plaintiff could recover more than the initial claim costs as all the expenses associated with the bad faith lawsuit will be added.
Since a lawsuit is a final leverage every customer possesses, insurance companies may try to undermine the process. This is most often done by implying how the customer was lying in their original claim, thus the company did not act in bad faith. Sometimes, if the evidence is condemning and the verdict will be in favor of the plaintiff, the company might even admit to nothing but an innocent error.
If Houston residents undergo this situation, one has to communicate with their insurance provider to acknowledge the bad faith that is taking place. If a direct approach based on communication does not solve anything, one should reach out to an attorney who can represent them. Then, a lawsuit can be filled to collect what is owed.
If you have been hit by a drunk driver, your first instinct may be to sue them. You may be hurt and your vehicle damaged. Before you do, however, consider the easier and sometimes more effective route of an insurance claim. Know your legal options at this difficult time.
Filing a Lawsuit
A lawsuit is one of those options but if you live in a no-fault state, it may be a difficult road to compensation. Personal lawsuits can be difficult to prove in a state that does not assign blame for the accident, so even if the other person was drunk-you will have to prove your case.
Meet with the Other Insurance Company
Another option for you is talking to the other person’s insurance company. If you let the company know that you are going to file a third-party lawsuit for all of your medical and repair bills, you will get their attention. You may be surprised at the generosity of their offer for settlement. Every driver is required to carry a standard of insurance for this very reason, so why not at least talk to their insurance company. The company’s first interest is limiting a payout but a settlement means they don’t have to go to court, which will save money for everyone.
DUI Convictions Means a Strong Case for You
DUI convictions are another thing for you to consider. If the other driver was charged with a DUI-his insurance company is going to do everything possible from keeping that case from going to court. An insurance company with a convicted drunk client does not want to face a jury. Juries are well known for placing high settlements against drunk drivers. If this is the case you are in, it will definitely be worth your while to meet with the insurance company before filing suit.
There are more than 10 states that operate under the “No-fault” premise. If your accident took place in one of these states-your options are more limited. You will need to file with your own Personal Injury Protection to assist you with your medical bills and repairs. However, even in these states, there is a cap on medical coverage and you can seek damages from the other person when you have reached this maximum.
Consider the Options
Any accident is difficult but being hit by a drunk driver is especially traumatic. Before you make any quick decisions, consider your legal options with a local accident attorney in Houston to help you find the best way to ease your losses. You don’t have to pay if a drunk driver caused your accident. The law does protect those who follow the law.
If you follow certain steps when filing an auto insurance claim, you can make the process easier, and have issues resolved more quickly.
Determine The Cost of Damages
If your main concern is raising auto insurance rates, carefully consider how much damage has been done in the accident, regardless of who is at fault. If it’s a small amount of damage or an amount that each driver can cover, then it might not even be necessary to contact your auto insurance company.
If the accident is deemed to be the other driver’s fault and/or the other driver is the one who gets a ticket because of the accident, then his or her insurance should have to cover the damages to your vehicle and the incident should not affect your car insurance rates. You will still need to inform your insurance company of the accident and they will contact the other driver, just as the other driver’s insurance company will likely contact you.
If you were at fault or you received the ticket, then your insurance will be expected to cover any damage to the other driver’s vehicle. If you can pay the costs of repair out of pocket, then there’s also no need to contact your insurance company.
When Your Insurance is Involved
If you’re not sure whether or not to file a claim, give us a call to discuss your case. Even simple phone inquiries to your insurance company can be added to your record and may affect your rates in the future. Decide first if you want to use your insurance or pay out of pocket, and whether the cost of paying out of pocket is worth keeping your insurance rate down.
Filing a Claim
Here are a few things to get you started if you decide to file a claim.
Witness’ Names & Contact Info
Get as many witnesses’ names and phone numbers as possible that you can supply to your insurance company to help show that the accident wasn’t your fault.
Be sure to record things including the time, place, date, photos of the scene, a copy of the police report, and names, addresses, and insurance information of everyone involved.
Other Important Tips
- Do not admit or debate fault
- Anything you say can be used as evidence
- Make a note of any passengers of all involved vehicles
- Take photos of all vehicles involved and the location
If your claim is rejected
- Make sure the insurance company explains the reasons in writing
- You can always appeal the decision
Being involved in a car accident is a very stressful experience. Having the right legal counsel on your case can make all the difference. Give us a call or send us an email to discuss the details of your case right away.
The content of this article is provided for informational purposes only.
In Texas, car accidents are very common and if you’re involved in an accident, then you should know when you need to hire a personal injury attorney. Some accidents require an attorney, while others don’t. Here is when a personal injury attorney is worth it.
There’s no need to hire an attorney if you only suffered scrapes and minor bruises, but if you suffered serious injures that may cause long lasting repercussions, then you will want to considering hiring a personal injury attorney. If a driver caused an accident and they were not insured or under-insured, then consider hiring an attorney. Also, if you are facing pressure from the claims adjuster to settle quickly, then consider contacting an experienced attorney. This is because you might not be getting a fair settlement.
Remember, when an insurance company under compensates an injured person, then they make a profit. This is why insurance companies know what to do in order to minimize settlement claims in cases that involved bodily injury. Unfortunately, this doesn’t give you the upper-hand, at least if you fight them on your own. Hiring an attorney will ensure you get what you deserve from the insurance companies.
Different states have different personal injury laws, which means it’s important to hire one that is familiar with Texas’ personal injury laws. They will be able to apply Texas’s laws to your state.
Texas is home to many personal injury lawyers, which means finding the right one can take time. Most lawyers charge a contingency fee, which usually works out to be about a third to 40 percent of the settlement amount. There are be other fees you could be responsible for, such as court fees, and this is why you need to find out what fees you will be responsible for paying and how much the attorney charges. Nobody wants to be involved in an accident, but the good news is there are personal injury attorneys in Texas when you do need them.
Statistics show that more than 75,000 accidents happen each year that involve autos and pedestrians. Among these accidents, more than 5000 pedestrians die from them. What this means is that every 7 minutes someone is seriously harmed in an auto-pedestrian accident.
The type of injuries that happen in these accidents can be quite serious. This is because the size of the vehicle or truck or that hits the person is substantially larger than the person. The injuries can entail nerve damage, brain and spinal injuries, as well as paralysis and multiple bone fractures.
The seriousness of the injuries entail in depth medical treatment and this can be very expensive. This can have an impact on the families of the victims as well. The time that is spent in medical appointments and having procedures done can impact the person’s ability to earn money. Loss time at work and losing the capacity to earn money are serious outcomes of pedestrian-vehicle accidents.
Consulting with an attorney can expose some of the options that may be available to help compensate victims and their families. A legal professional will also be able to determine the carelessness or negligence of the driver. Things to be considered is whether the driver was adhering to legal speed limits, obeying traffic signs, and whether the right of way was yielded to the pedestrians.
If the driver was found to be negligent, they may be held responsible for compensating the victims. Such compensation can entail recompensing the individual for medical costs and ongoing medical costs. This compensation can also include pain and suffering. The individual and their family should be aware of what legal recourse they have if an injury has happened to a loved one.
Pedestrian-vehicle accidents can be quite devastating. Having someone on your side to defend your rights and needs is an important aspect of recovery.