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How to File an Auto Insurance Claim After an Accident in Sherman, Texas 

TAL hw to file insurance claim

After a car accident in Sherman, Texas, you must file an auto insurance claim to cover your medical costs, vehicle repairs, and other related expenses. To do this, promptly report the accident to your insurance company, gather all relevant documentation, and carefully follow the claims process. Filing a claim not only aids in your financial recovery but also guarantees the payment of your rightful losses. However, the process can be complicated, and having an expert lawyer by your side can help you overcome obstacles and maximize your claim. 

How Does Car Insurance Work in Texas? 

In Texas, every driver must have a minimum amount of liability insurance to cover expenses in case of an accident. As an “at-fault” state, Texas requires the at-fault driver to pay for damages through their insurance. For each injured person, there is coverage of $30,000, with a maximum limit of $60,000 per accident. Additionally, there is coverage of $25,000 for property damage. Drivers can also select additional coverage options, including collision, comprehensive, and uninsured/underinsured motorist coverage, to provide themselves with extra protection. 

Car Accident Damages You Can Recover 

It is possible that you will be able to collect the following types of damages if you submit a claim with your car insurance company: 

  • Medical Expenses: Coverage for hospital costs, surgeries, prescriptions, and ongoing medical treatment following the accident. 
  • Property Damage: You may receive compensation for vehicle repairs or, in the event of a totaled car, the fair market value. 
  • Lost Wages: Compensation for income lost due to injuries that keep you from working. 
  • Pain and Suffering: Non-monetary compensation for the injury’s physical and mental pain. These damages are often subjective and difficult to prove when handling your own case. An experienced lawyer can help maximize this part of your claim.  
  • Punitive Damages: If the at-fault driver exhibits excessive negligence or misbehavior, you may qualify for punitive damages, which aim to penalize them. 

To recover these losses, it’s essential to keep detailed records of all expenses, including medical bills, repair estimates, and proof of lost wages. Remember, insurance companies often attempt to minimize payouts by offering settlements that don’t fully cover your damages. An experienced attorney can help gather the required documentation and is the most effective way to negotiate with the insurance company to ensure that you receive the compensation you deserve. 

How to File an Auto Insurance Claim in Texas 

When filing an auto insurance claim, be sure to have an attorney review your claim before submitting it. This can help you avoid common pitfalls that could jeopardize your claim. If you were injured in the accident, it’s especially important to have legal representation, as the insurance company may try to downplay your injuries or offer a lower settlement: 

 

  1. Ensure Safety and Seek Medical Attention 

First, make sure that everyone involved in the collision is safe. If there are any injuries, seek medical assistance right away. Even for injuries that seem insignificant at the time of the wreck, adrenaline can mask many of your physical sensations, so it’s imperative that you seek medical attention to identify and record your injuries. We always recommend calling 911 to report the incident and request medical aid. 

  • Gather Evidence at the Scene 

Capture photographs of the accident scene, including the vehicles involved, damages, and any visible injuries. If possible, take photos of the surrounding area, traffic signs, or signals. Gather contact and insurance information from all drivers involved, and try to collect witness information. Obtain a copy of the police report if one exists. 

  • Notify Your Insurance Company 

Promptly contact your insurance company to report the accident. Include the necessary information such as the date and location of the accident, along with a brief description of the incident. 

  • File a Claim 

Your insurance company will send you a claim form. Provide accurate details about the accident, damages, and injuries. Submit the completed form along with any necessary supporting documentation. 

  • Work with the Insurance Adjuster 

An insurance adjuster will handle your claim. They will review the details, assess damages, and determine the compensation amount. Be prepared to provide any additional information or documentation they may request. 

  • Review and Negotiate the Settlement Offer 

The insurance company will offer a settlement based on the adjuster’s assessment. Carefully review the offer to ensure it covers all your damages and expenses. If it doesn’t, you can negotiate for a higher amount by providing evidence and documentation to support your claim. 

  • Receive Compensation 

After accepting the settlement offer, the insurance company will process your payment. Ensure you receive the full amount for repairs, medical expenses, and any other covered damages. If there are any issues with the payment, contact your insurance company for assistance. 

  • Consider Legal Assistance 

If you encounter challenges during the claims process, such as disputes or denials, consider seeking advice from a personal injury attorney. These professionals can help you navigate complex situations and protect your rights. 

How Long Do You Have to File a Car Accident Claim? 

You generally have 30 days after the accident to file a claim with your insurance company. Timely reporting is crucial to ensure prompt processing and avoid potential denial due to late reporting. 

If you choose to sue the at-fault driver, Texas law provides a two-year statute of limitations from the date of the accident. This timeframe applies if you need to file a lawsuit to recover damages beyond what the insurance company offers. Missing this deadline could result in losing your right to seek compensation through the courts. 

Documents Typically Required for a Car Insurance Claim 

When filing a claim, you’ll need to provide supporting documentation. The most common documents requested include: 

  • A copy of the police report 
  • Photos of the accident scene and damages 
  • Medical records and bills 
  • Repair estimates for your vehicle 
  • Proof of income for lost wages 

Depending on your case, additional documentation may be necessary. 

How to Communicate with the Insurance Adjuster 

When dealing with an insurance adjuster, be honest and concise. Provide the required facts but avoid making detailed statements without consulting your attorney. Keep records of all conversations and be cautious of attempts to downplay your claim. 

What Should I Do If the Other Driver’s Insurance Company Contacts Me? 

If contacted by the other driver’s insurance company, direct them to your attorney. Avoid making comments or accepting settlement offers without legal advice, as this could jeopardize your ability to obtain full compensation. 

Should I Accept a Settlement Offer? 

Before accepting any settlement offer from an insurance company, consult with a personal injury attorney. Insurers often offer lower settlements to resolve cases quickly, but an attorney can help ensure you receive a fair amount that covers all your losses. 

When to Seek Legal Representation 

Most importantly, if you were injured in any way because of a car wreck, it’s time to contact a legal professional. Additionally, if you’re facing difficulties filing your insurance claim or if the other driver’s insurance company is disputing fault, it’s time to seek legal counsel. A skilled personal injury lawyer can help navigate the complex process, negotiate with insurance providers, and protect your rights. 

How a Texas Personal Injury Attorney Can Help You 

A Texas personal injury attorney can provide expert legal guidance and support throughout the claims process. They investigate accidents, gather critical evidence, and prepare documents to build a strong case. Additionally, they negotiate with insurance companies to ensure you receive fair compensation for all damages. Attorneys can also address any disputes that may arise, protecting you from unfair practices. 

Need Help After a Car Accident? Contact Tate Accident Law Texas Injury Lawyers 

Navigating the insurance claims process after a car accident in Sherman, Texas, can be overwhelming. At Tate Accident Law, we understand the challenges you face and are committed to providing the support you need. Our personal injury attorneys and staff work hard and treat every client with care and compassion. We know that many of our clients are going through difficult times, often due to an accident that wasn’t their fault. Our goal is to ease your burden and help you move forward in life. Contact us today for a free consultation, and let us help you get the compensation you deserve. 

 

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