Insurance claim filesAccidents happen on a very frequent basis in Texas and can leave victims unsure of what to do next. It is highly recommended that you contact an attorney immediately after an accident, but there are several important steps you can take to protect your health, property, and right to compensation. This article will explain that you should proceed with caution when dealing with insurance adjusters after an accident. It is important that you retain a personal injury attorney  who has experience in these types of cases. I stress the importance of retaining legal counsel immediately in order to protect your legal rights. If you or a loved one have been injured in an accident then contact my office today to speak with an experienced personal injury lawyer.

The injured party will generally be contacted by the responsible party’s adjuster immediately after the accident. You should know that the job of the insurance adjuster is to work for the defendant and their best interests. Their main goal is to settle the amount for as little as possible and ensure that you do not receive the compensation you are entitled to. You may be overwhelmed if you are dealing with injuries or significant damage to your vehicle and the adjuster may ask for recorded statements or other information about the accident. If you enter into a quick settlement, then you may not be getting the full compensation for your injuries and property damage. Counsel will help ensure that you are lowballed by the insurance adjuster and help ensure that you receive the full value for your case.

An experienced lawyer may consult with and retain experts to provide opinions about the cause of the accident, damages, etc. Once your counsel determines a reasonable estimate of future damages, then they will typically send a demand letter for payment to the insurance adjuster. The “reasonable estimate” of your potential damages will include future costs of medical care, lost wages, and noneconomic damages such as pain and suffering. The demand will include evidence (witness statements, police reports, etc.), a theory of the defendant’s negligence, and proof of damages for the victim. After the insurance adjuster receives the settlement demand, counsel will then start negotiations in order to reach a settlement. If the parties are unable to reach an agreement, then counsel will file a lawsuit.

The insurance adjusters will remain part of the case while it proceeds through litigation. While your counsel will be dealing with lawyers which are retained by the insurance company, any settlement will need to be agreed upon by the insurance adjusters. This means that insurance defense counsel will need approval before ending the case. If the matter proceeds to trial, and cannot be settled, then the insurance company will be responsible for issuing payment if damages are awarded.

If you are involved in an accident then you should contact experienced personal injury counsel as soon as possible. My office will take all of the steps needed to preserve your legal rights after an accident. If you or a loved one has been injured, contact my office as soon as possible to speak with an attorney. I understand that this is a serious time in your life and I look forward to helping you through this process. I serve clients in Laredo and other areas of south Texas.