Navigating Insurance Settlements After a Car Accident: Tips for Texas Residents

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Being involved in a car accident can be a stressful experience, and attempting to settle an insurance claim afterward can be a complicated and frustrating task. But Texas residents have certain rights that can help them work through the claims process and attain a fair resolution.

Here are some common questions and answers about the process that might shed some light and simplify the experience. And if you need someone to take a closer look at your personal incident, the Law Office of Gregg Oberg handles car accident law.

Understand Texas Auto Insurance Laws

Texas follows a fault-based system. It holds the driver who caused the accident responsible for paying the damages. All drivers must have a minimum amount of liability insurance, covering bodily injury and property damage.

Because Texas is an at-fault state, you have the option of filing a claim with your insurance company, the other driver’s insurer, or taking legal action if it comes to that.

Report the Accident Promptly

Following an accident, you should inform your insurance company without delay. Even if the accident was not your fault, notifying your insurer can help protect your interests and ensure a smooth resolution after the accident. This is especially true if you have any kind of coverage in addition to minimum liability, including full coverage or personal injury protection.

Additionally, Texas law requires that you inform the relevant authorities. For further clarification of the requirements regarding reporting accidents, Law Office of Gregg Oberg handles car accident law.

Beware of Quick Settlement Offers

Insurance firms usually attempt to limit the money they pay out by providing prompt settlements. Accepting an early bid might seem like a quick and simple way to wrap up a settlement, but it often doesn’t cover all the medical costs, missed paychecks, or future treatment expenses that the injured party should rightfully be compensated for.

Before agreeing to any insurance settlement, assess exactly how much damage was (and will be) done to both your health and your bank account.

Negotiate Effectively

At first, insurance adjusters may present a sum that is less than what you truly deserve. In order to arrive at a figure that is fair, you should be ready to negotiate. Here are some ways to set yourself up for success during that bargaining process.

Furnishing documented proof of harm
Responding to low offers with demands that are well supported
Staying calm and steady in negotiations

Consider Hiring an Attorney

When negotiations halt or the insurance company unfairly denies your claim, it can be advantageous to consult a personal injury attorney. A capable attorney can:

Assess the equity of the settlement
Negotiate on your behalf
If it is necessary, file a lawsuit

For Further Assistance the Law Office of Gregg Oberg Handles Car Accident Law

Insurance settlements in Texas are difficult to navigate after a car accident. Patience and knowledge of your rights are the two most critical aspects of a successful claim. By understanding and invoking your rights, along with following the suggestions laid forth in today’s article, you can set yourself up for the best possible outcome to your case.

Of course, most of this is mute if you don’t enlist the services of an experienced personal injury lawyer.