THE DO’S and THE DON’T’S
Do take advantage of free consultations from a qualified personal injury attorney.
Do look at your declaration page of your own car insurance policy to find out what coverage you have and if it may help you with the wreck.
Do notify your own insurance company after you are in a car accident even if it is not your fault.
Do take pictures of the damage to your vehicle, the accident scene, the other person’s vehicle and the other driver.
Do keep track of who you speak to regarding the accident such as the name of your insurance adjuster, the name of the other adjusters and telephone numbers and titles of those who may contact you.
Do keep receipts for all of your out-of-pocket expenses such as medical expenses, rental car or other expenses caused by the accident.
Do understand that in Texas, you will only be entitled to the fair market value of your vehicle on the date of the accident, plus tax title and license if it is totaled out.
Do let your medical providers know that you were in an accident and make sure you keep your explanation of how it occurred short and to the point.
Don’t give the adverse insurance company a recorded or written statement without first speaking to a qualified personal injury lawyer and decided how you are going to proceed.
Don’t expect the adverse insurance company to be fair. They are out to pay as little as they possibly can on any claim you make.
Don’t accept the insurance companies valuation of your vehicle without with out a
Homework about what the car is worth.
Don’t necessarily feel you have to go to the repair facility suggested by the adverse insurance company.
Don’t get in the middle of the repair process between the shop you choose and the insurance company. Let the shop you trust handle your repairs and let them deal with the adverse insurance company directly. Just make sure the repairs or to your satisfaction when you pick up your car.
Don’t consider settling the personal injury claim from an automobile accident until you have got a handle on your personal injuries. Never consider settlement before you are certain as to the nature and extent of your injuries. Many insurance companies will show up shortly after an accident and offer a small amount that may include “estimated medical expenses”. This approach shifts the risk of serious injury on your back and off the insurance companies – don’t do it.
Don’t believe that the words ‘we accept responsibility”, or were going to “pay this claim” means that the insurance carrier intends to be fair with you. It is their hope that you trust them and do not seek out a qualified personal injury lawyer.
Don’t give a blanket release of medical records or employment records to the adverse insurance company.
Don’t believe that an adjuster or insurance company will treat you the same individually as they would if you had an attorney.
Contact a personal injury lawyer who handles car accident claims.
If you’ve been in a serious car accident speak with an automobile accident attorney as soon as possible after the crash. Knowing your rights and options is an important first step in any insurance claim after a car wreck. Contact the Baumgartner Law Firm for a free no obligation consultation for car accidents occurring in Houston, Texas.- (281) 587-1111.