Finding yourself in car accident on Houston highways or streets can be a major turning point in life. From possibly sustaining devastating physical injuries to the high medical costs you may incur, an accident can subject you to significant setbacks. In many cases, car accidents are resolved through the respective insurance companies. However, before accepting any settlement deal from the insurance company of the negligent party, you should remember that their aim is to pay as little as possible for your claim that you will accept. For this reason, it is advisable to consult a Houston car accident lawyer to guide you with your legal claim.
If you or a loved one has been involved in a car accident, you may not be at-fault for the crash. If this is the case, you are eligible for filing a lawsuit for the damages you’ve incurred. From loss of wages, to medical bills, to your pain and suffering, all these factors ought to be taken into account if the proper channels are followed. Unfortunately, not everyone can personally file an automobile accident case. The process is long and tedious, and many claimants are uncomfortable with representing themselves in court. This can be a stressful and frustrating task for car accident victims seeking compensation in Houston.
Why Do I Need a Houston Car Accident Lawyer When I Talk with the Insurance Company?
Immediately after an accident happens, you will likely receive a phone call from the insurance company representing the negligent driver. Their aim will be to deter you from filing a suit against the defendant, and instead accept a settlement offer from them as soon as possible. By offering you an initial value for your case, their hope is to have you accept their terms immediately with consideration of the true value of your case.
However, the majority of these offers are far below the standard value for these cases. Should you accept their offer, you may end up with more debt than you had before the collision. But with a Houston car accident lawyer, the insurance company will have a difficult time trying to persuade you into accepting their low settlement offers. Our experienced Houston car accident lawyers will be able to properly evaluate what a fair settlement would be. Once the insurance company is aware of your legal representation, they will likely increase the amount offered to disuade your Houston lawyer from filing your case in court.
What Are The Tactics Used By Car Insurance Companies To Avoid a Reasonable Settlement?
Most insurance companies do not have your interests at heart, as their main aim is on the amount of money that they can save for your claim. If they are to compensate you at the outset with what a jury would award, their business model would not work. To avoid this, they will use all avenues and tactics possible to avoid paying you the full amount, as is dictated in their policies. These unfaithful acts can be distressing, especially when you have no source of income to finance the treatment costs for the injuries sustained. A Houston car accident lawyer will be able to arrange for a proper treatment that does not leave you in debt.
Given the vast experience our Houston car accident lawyers have in addressing car accidents, you will be able to detect any sign of ill will from the insurance company if any of the following happens:
Offering Less Money
Normally when a car accident occurs in Houston, the insurance company, apart from calling you, sends an adjuster to evaluate the total costs of compensation you should receive. They are employees of the insurance company, and for that reason represent the interest of their employer. While your compensation value may be to the tune of thousands of dollars, an adjuster may lower it to hundreds of dollars. If you hire a Houston car accident lawyer, you will know what the appropriate settlement should be.
Making a promise and delivering on the same is distinct when it comes to car accident insurance companies. They may promise prompt payment, but wait until the last minute to send you the check. Given the urgency you have make up for lost wages and any miscellaneous costs arising from injuries sustained, it is prudent that your check arrives on time. However, when an insurance company fails to make true their payment promise, this should immediately raise an alarm for. Your Houston car accident lawyer will be able to speed up the payment process by constantly following up with the insurance company, and if necessary, file a Bad Faith Insurance claim if the insurance company takes too long to pay.
Which Car Accident Injuries Qualify For Compensation?
Unfortunately, not all types of injuries sustained from a car accident qualify for compensation. For example, you may sustain minor injuries which require no medical attention. As such, it will be difficult to make a claim for compensation.
However, severe injuries that may put your life or future at risk are open for even much higher compensation. These injuries include:
- Injuries to the spine
- Bone fractures
- Traumatic brain injuries
- Loss of limbs
- Spine injuries
- Neck injuries
- Burns on the body
- Total paralysis
The amount to be compensated is not set by any government entity, but a jury of your peers, and based on evidence provided. It is for this reason that many recognize the need for a Houston car accident lawyer to help you get a reasonable settlement.
Key Factors Considered When Determining Value of Settlement
Every car accident that occurs in Houston is treated as a unique case from all others. It is, therefore, most likely that the settlement value for each accident will depend on a number of factors that a Houston car accident lawyer will help you review. Some of them include, but are not limited to:
- Extent of damage for each car
- Extent of injuries
- Road worthiness of vehicles
- Credibility of drivers
- Severity of injuries (whether temporary or permanent)
- Witness testimony
Talk To a Houston Car Accident Lawyer Today
A Houston car accident lawyer understands the extent of stress you have been subjected to after the accident. For this reason, we are ready to help you get back to your normal life by advocating for your rightful compensation. Call our office today for a free consultation.