How Do I File An Insurance Claim After An Auto Accident?
Understanding the claims process for Texas auto accidents can help you navigate the complex process.
A typical insurance claim process includes the following steps:
Accident Investigation
The first part of the process is determining who was responsible for the collision. You cannot demand compensation from the negligent party’s insurance company if you’re not sure who was at fault. Your car accident lawyer can investigate the accident to determine liability.
Evidence Gathering
Next, you must gather evidence to prove the other driver was at fault. Evidence can include:
- Photos of the accident scene, your injuries, and property damage
- Video surveillance footage
- Medical bills
- Medical records
- Phone records
- Vehicle repair estimates
- Police report
And more.
Filing Paperwork
To start the claims process you must file paperwork with the other driver’s insurance company.
Negotiate a Fair Settlement
Your car accident attorney will need to negotiate with the claims adjuster to help you recover the fair settlement you’re owed. If the insurance company refuses to offer the settlement you deserve, your attorney can file a personal injury lawsuit on your behalf. As they prepare your case for trial, they will continue to negotiate with the insurance company. In most cases, an insurance company will be more willing to make a fair settlement offer once a lawsuit has been filed.
How Long Do I Have to File a Claim?
You will have two years from the date of the accident to file a lawsuit and pursue compensation for all accident-related damages. If you fail to file a lawsuit within this timeframe, your case will be dismissed and you will be unable to recover the compensation you’re owed. When you work with a car accident lawyer, you can rest assured that your claim will be filed correctly and within the statute of limitations.
Do I Have to Hire a Car Accident Lawyer to File a Claim?
Under Texas law, you are not required to hire a car accident lawyer to handle your claim. However, doing so can significantly increase your chances of recovering the compensation you’re owed. Additionally, a car accident lawyer can handle every aspect of your claim, including:
- Investigating the accident
- Gathering and analyzing evidence
- Filing paperwork
- Consulting with experts
- Handling all communication with the insurance company
- Negotiating a fair settlement
- Filing a lawsuit (if necessary)
While your car accident attorney handles every aspect of your claim, you can focus on recovering from your injuries and moving on with your life.
