Questions About Car Accident Claims
It’s very rare that we see people who have filed a car accident claim in the past. Most people who go through this process only do it once in lifetime. As a result, we field a lot of questions about filing a claim and how the process works. Listed below are some of the questions that we hear most often.
Should I accept the insurance company’s offer?
The short answer is no. You should make a note of the dollar amount and refer them to your attorney. Remember that one of the ways that the insurance company makes money is by paying out as little as possible on claims. The best course of action is to review the amount with your attorney before making a decision.
Do I still have a claim if I am partially to blame?
You can file a claim as long as you are not more than 50% at fault. Texas is a comparative negligence state, which in the context of an accident claim means that your settlement payment is reduced by the percentage of fault assigned to you. For example, if you were found to be 20% at fault for the accident and the settlement was $100,000, 20% of the award would be deducted, and you would get $80,000.
What do I do about my medical bills while I’m waiting for my settlement check?
Concerns about how to stay on top of medical bills while recovering from an accident are very common among our clients. The first thing to do is submit all of your medical bills to your insurance company. If you are not insured or do not have enough insurance, we would then turn to Medicare and other medical assistance programs. We will work with you and find ways to deal with your medical expenses while we wait for the settlement check.
Can I still file a claim if the insurance company denied my claim?
Maybe. An initial denial is not the final word; you can always request a reconsideration if you believe claim should have been accepted. If your claim was denied, you will get a letter of denial from your insurance company. We can review the letter, your policy and the details of your accident to see if you were wrongly denied.
How much is my accident settlement worth?
The value of a settlement varies based on the unique factors of each case. We determine the dollar amount we believe we should pursue by looking at things like your current and ongoing medical expenses, current and future lost income due to injury, the cost of repairing or replacing your vehicle and pain and suffering.