AUSTIN, Texas. If you’ve been in a car accident, you may be facing medical bills, financial stress due to lost wages, and may wonder how you’ll pay for repairs to your car. Individuals carry insurance to protect them in the event of a car accident. Many believe that the claims process following a car accident will be straightforward, but the reality is that you’ll have to work with an adjuster who may not always have your best interests in mind. Adjusters may use computer programs that use statistics instead of taking a look at the facts of the individual situation. Other adjusters may offer you a low initial settlement in the hopes that you’ll accept. Individuals may face denied or delayed claims, just when they need their insurance to come through for them. If you’ve been in a car accident and have been having difficulty getting the claim you believe you deserve, a qualified car accident lawyer may be able to assist you. The Luke Dow Law Firm, is an Austin personal injury attorney who works closely with clients, helping them understand their insurance policies and the options they may have.
It is important to understand your rights if your auto insurance company is either denying your claim, delaying your claim, or offering you a settlement you believe to be low. According to Forbes, it is important to keep detailed records of damages, medical bills, and repairs. You should also carefully read through your policy to understand what is and isn’t covered. If after taking notes and reading your policy, you still believe your case isn’t being handled properly, you can always speak to your state insurance regulator, or contact a qualified personal injury lawyer, like the Luke Dow Law Firm in Austin, Texas. A car accident attorney can review your policy to make sure your claim is thorough.
Insurance adjusters may hope that you’ll quit and decide to settle for the amount that they are offering. Yet, in some cases, particularly in cases where you believe you are entitled to larger amounts, it may be wise to speak to a personal injury lawyer. Insurance companies have a duty to their customers to settle their claims in a timely and fair manner. When they fail to do this, adjusters themselves may be held legally liable for losses an individual suffers. After all, a delayed claim can result in unpaid bills, stress, and other financial hardship. Texas courts have even found individual adjusters liable for mishandled claims. In the case of an insurance claim for storm damage, an adjuster was found liable for using a contractor who favored insurance companies, for failing to properly identify damage covered under the policy, and for failing to return the customer’s calls regarding payment of a claim.
If you’re having trouble with an insurance claim, you have important rights under the law. You have the right to have your claim handled in a timely and effective manner. Being injured in a car accident can be life-altering and stressful. You deserve to be treated fairly by your car insurance company.