While insurance companies are designed to offer financial protection to those who have been in a car accident, it’s no secret that the insurance company doesn’t always play the role of the good guy. More often than not, insurance companies will attempt to settle quickly, at an initial unfair or low settlement to help the insurance company avoid absorbing the full cost of your damages or being responsible for latent losses resulting from your accident. If you’ve been in a car accident in Texas and are filing an insurance claim, here are some red flags to look out for:
Your Car Insurance Company Asks You to Sign a Medical Release Document
A medical release document is a document that releases your personal medical records to your insurance company. While not all insurance agents ask for the document with poor intentions in mind, sometimes, an insurance company will use medical history to argue that you were at fault for an accident. Because Texas is an at-fault car insurance state, if a car insurance company can prove that you were at fault for the accident in some way, they’ll have a reason to reduce your benefit amount. If your medical documents show that you suffer from any ailment that could potentially affect your driving ability, ranging from poor vision to anxiety, you may be at risk. Never sign a medical release document without the advice of an attorney.
You’re Told that Your Car Accident and Injuries Aren’t Fully Covered
Each individual may have a totally unique car insurance policy, and some drivers have purchased more in medical coverage, uninsured motorist coverage, property damage coverage, comprehensive coverage, etc. If you believe that the accident was totally the fault of the other driver and should be fully covered under the other driver’s insurance policy, or if you believe your insurance should cover a part of the damages that they’re denying, there’s a chance that you’re right. Sometimes, an insurance company will argue that certain damages aren’t fully covered by a policy, even when they very well may be. You should always have an attorney review your coverage policy if you have questions.
They Offer You a Quick Car Accident Injury Settlement that is Much Less than You Expected
If the insurance company comes back with a quick settlement offer, and one that you think is lower than it should be, there’s a good chance they’re trying to get away with giving you as little as possible. You should always negotiate a settlement amount, and you should never accept a first settlement offer.
Contact a Texas Car Accident Attorney Today For Help With Car Accident Compensation
If you have been injured in a car accident and are now dealing with the insurance company, an attorney can help you to watch out for the red flags that are indicative of an unfair settlement amount. At Tate Law Offices, P.C., our attorneys can help you to negotiate for the settlement amount that you deserve. If you’ve been in a car accident and have questions about car insurance, contact Tate Law Offices today by calling 888-565-7068 for a free initial consultation.