Car Accident Claims Process
Reed & Terry, L.L.P., is a law firm that represents people who have been injured in car accidents and the families of fatal accident victims. We are experienced, aggressive and determined to win for our clients.
Reed & Terry, L.L.P., welcomes inquiries from people who have suffered injuries in all types of motor vehicle accidents. Call us at 281-201-0988 for a free consultation. We can answer your questions, outline the claims process and explain how we can help you.
Texas is a "comparative negligence" state. This means that you may be able to obtain compensation for your losses, even if you were partially responsible for the accident.
The Accident Claims Process
Some basic information about the insurance claims process is outlined below:
You must report the accident to your insurance company — Your first priority should be to obtain medical care. Having done that, you need to file a claim with your insurance company.
Assignment of representative — The insurance company will assign a representative who will handle your claim. His or her first task will be to determine if the car accident is covered under the terms of your policy. If it is, the insurance company will then investigate the accident to determine the extent of its liability.
Collection of medical bills and other expenses — You should keep copies of all medical bills related to the accident as well as other expenses, such as costs for vehicle repair or a rental car. You should also note the income you have lost as a result of the accident.
Assignment of an adjuster — The adjuster will collect vehicle damage estimates, medical bills, lost wages and other losses that are covered by your policy.
Claim payout — The insurance company will inform you of the amount it will pay on your claim.
At this point, things can get sticky. Your insurance company is obligated to pay only those losses that are covered by your policy, up to the limits stated in your policy. But in fact, your losses may far exceed the amount of your insurance coverage. The insurance company may try to "lowball" the compensation it pays, or there may be additional sources of compensation. You may need the services of an attorney in order to obtain additional compensation from the party or parties responsible for the accident.
In a free consultation, a lawyer at Reed & Terry, L.L.P., can review your case. He can determine whether the compensation offered is fair and whether you may be entitled to additional compensation.
Free Consultation With An Attorney
Contact Reed & Terry, L.L.P., to learn more about the injury insurance claims process. We represent clients throughout Texas from our offices in Sugar Land, Katy, Richmond, Houston and Austin.