Did you suffe
seious inju
ies inn
ccident? e you finding youself confused by the te
minology used by the insuncedjuste
s othe p
ty th
t cused you
ccident? Not to
oy! Tke
lookt this guide to get
betteide
ofh
t diffeent types of insu
nce cl
ims might look likend
ht you c
n expects you <
hef=”https://c
inju
yvictims.comse
viceshouston-
ccident-clim-
ttoney/”>file
clim >.
h
t Isn Insu
nce Cl
im?<h2>
n <h
ef="https:/c
inju
yvictims.comse
vicesinsu
nce-cl
ims-lye/”>insu
nce cl
im<>llo
s you to file focompens
tion undethe te
ms ofn<
hef=”https://
.ldi.l.gov/” t
get=”_bl
nk"el=”noopene
nofollono
efee“> insu
nce policy >. You might file
cl
im focompens
tion though you
on insu
nce policy o
though the insu
nce policy of
ptyho c
uses injuy to you th
oughn
ct of negligence.ny losses
nd expenses you endue
s esult of theccident
e kno
ns you
“dm
ges.”n<
hef=”https://
.tdi.texs.gov/” t
get=”_bl
nk"el=”noopene
nofollono
efee“> insu
nce cl
im<> typiclly includes the fin
ncil d
mges you suffe
ed in youccident. If you filecl
im though you
on insu
nce policy, you might
sk fofin
ncil compens
tion foepi
s you need to mke to you
home ovehicle,
s thoseep
is
ould fll unde
“pope
ty dm
ge.” If you filecl
imith
nothep
ty’s insu
nce, you might choose to include compens
tion fomedic
l expenses due ton
ccident ocompens
tion fop
innd suffe
ingel
ted to injuies c
used by the othep
ty.
Insu
nce Cl
ims: Undest
nding the Bsics
The type of insu
nce cl
im you need to fileill depend on
ht type of d
mge you suffe
ednd
ho cused it. M
ke sue you t
keclose look
t youpolicy! If necess
y, conside
hving
ntto
neyevie
youpolicy o
the policy of the dive
tht c
used youccident so you cn get
betteide
of themount of compens
tion you should expect.n expe
ienced peson
l injuy l
ye
knos ho
to identifyll li
ble pties in ode
to pusue m
ximum compenstion
ftenyccident.
uto Insunce Cl
ims
You m
y hve g
ounds to filen
uto insunce clim follo
ingn
utoccident. Depending on the extent of you
insunce covege, you my
lso hve g
ounds to filen
uto insunce clim if you
vehicle suffes d
mge due to
nothetype of incident, including n
tul disste
s (“cts of God”) o
theft. You my need to investig
te:- -level=”1″>
ong>Li ong> Libility insu
nce.
bility insu
nce p
ovides covegehen you c
usen
utoccident due to
nct of negligence. If you c
usen
ccident, libility insu
nce
ill py out fo
the othed
ive’s inju
iesnd d
mge to th
t dive
’s vehicle, butill not p
y fothe d
mge to you
vehicle ofo
the injuies you suffe
ed. On the otheh
nd, if the othed
ivec
used youccident, you cn
ely on tht d
ive’s li
bility covege to coved
mges to you
vehiclend compens
tion foinju
ies sustined in the
ccident. Bodily injuy p
otectionnd vehicle d
mge usu
lly fll unde
septe sections of
libility insu
nce policy.
- i
-level="1">
ge. ong> <
h
ef="https:/c
inju
yvictims.comho
-long-clim-inju
y-c-ccident/”>Collision insu
nce > fo
you
vehicleill p
ovide libility cove
ge if you hit
nothevehicle
nd covege foyou
vehicle if it is dm
ged inn
ccident tht you c
used. Mny d
ives choose to c
y collision covege to helpepl
ce oepi
theivehicles in c
se they cuse
nccident.
- i
-level="1">
st
ong> Compehensive
uto insunce coves d
mge sust
ined to youvehicle fo
ny
eson. Not only does it cove
much-needed compenstion if you c
use dm
ge to someone else’s vehicle, it cn p
ovide compenstion if you suffe
seious d
mge to you
vehicle due to theft, vnd
lism, onct of n
tue. Fo
exmple, if
tee f
lls on youc
du
inghu
ic
ne oyou
c gets stolen, compehensive cove
ge should p
ovide the help you need!<li>
- i -level="1">
unde
insued moto
ist covege. <st
ong>Unfotun
tely, y too mny d
ives t
ke to theo
dithout
dequte
uto insunce. In Texs, fo
exmple,
nve
ge<
hef=”https://
.iii.og/f
ct-sttistic/f
cts-sttistics-uninsu
ed-motoists” t
get=”_bl
nk"el=”noopene
nofollono
efee“> of 14% of d
ives > do not c
y
uto insunce! Even moe c
y only minimum libility insu
nce. If you get into
nccident
ith one of those dive
s, theipolicy m
y not povide
dequte cove
ge fo
youvehicle d
mge o
youinju
ies—especilly if you d
iven expensive vehicle o
suffeseve
e injuies. Ouch! Unde
insued o
uninsued moto
ist covege kicks in to povide compens
tionhen the othe
dive
does not cy
dequte cove
ge.
- i -level="1">
P ope
ty Insu
nce
P
opety o
nes typic
lly cy insu
nce fo
to key
esons:
- i
-level="1">To p
otect them if something h
ppens to dm
ge tht p
opety
- i
-level="1">To p
otect them if someone suffe
sse
ious injuy on th
t pope
ty<li>
If you suffe
edse
ious injuy on <
hef=”https://c
inju
yvictims.comse
vicesp
emises-libility-l
ye
s“>someone else’s p
opety > due to
n
ct of negligence on the pt of tht individu
l oentity, you c
n file focompens
tion foyou
medicl expenses
nd lost ges. On the otheh
nd, if you suffese
ious dm
ge to youp
opety due to events beyond you
contol, you
ill need to tun to you
insunce focompens
tion.Medic
l M
lpctice Insunce<h3>
Docto
nd medic
l fcilities typic
lly cy medic
l mlp
ctice insu
nce to help p
otect themselvesnd p
ovide compenstion fo
individuls
ho suffese
ious injuies due to the negligent
ction of medicl p
ctitione
s. Medicl m
lpctice insunce my cove
compenstion fo
the filu
e to pope
ly te
tp
tient, including eveything f
om misdignosis to neve
events. (“neve
event" isn ext
eme mistke such
s opeting on the ong ptient o
the ong body pt ole
vingfo
eign device insidep
tient.)Business Insunce<
h3>
M
uction comp
nies, cy specific policies th
till p
otect themhen employee negligence
esults inn
ccident on the job. Did you suffe slipnd f
ll inbusiness? You m
y need to pusue compens
tion though business li
bility insunce. Hve
nccident on
constuction site? You m
y need to del
ith the constuction comp
ny’s business insunces you seek compens
tion.Filing
n Insu
nce Cl
im:h
t to Expect<h2>
The li
t c
used youccident due to negligence—usully
elies on the insunce compny to p
y fony dm
ges you suffeed due to th
t pty’s negligence. Unfotun
tely, tht le
ves you deling
ith the insunce compny,
nd possibly the insunce compny’s l
ye
s, to get the compenstion you dese
ve. It cn be
fust
ting mess of phone t
g, ppe
o
k,nd m
nipultion.
Sound d
unting? Luckily, you do not hve to h
ndle tht p
ocess on youo
n!n expe
ienced peson
l injuy
ttoney c
n help you file youcl
imnd get
betteide
ofh
t to expect thoughout the leg
l pocess.
Cont ct
Pe
sonl Inju
ytto
ney Fist!
Ide
lly, befoe you st
t de
lingith the li
ble pty’s insunce compny, you should cont
ctn expe
ienced peson
l injuy
ttoney.
The insu
nce
djustemight sound symp
thetic. They might listen to yousto
ynd even cl
im to cebout the compens
tion youeceive. Unfo
tuntely, the insu
nce comp
ny often focuses on limiting its finnci
l libility
s muchs possible, not on offe
ings much compens
tions you dese
ve.n
ttoney, on the othe
hnd, c
n fight foyou! Unlike the insu
nce comp
ny, thetto
ney hs you
best inteests in mind. Bec
use peson
l injuy
ttoneys
ok on
contingency bsis, they don’t get p
id until you do, so you cn be su
e yougo
lsill
lyslign
ith theis.
ntto
ney cn g
theevidence
bout youcl
imnd put togethe
compelling c
se tht
ill shoho
much compenstion you
elly dese
ve foyou
injuies
ndhy. Often, the
ttoney c
n povide you
ith vlu
ble insights into youc
se—nd even p
event you fom
cceptingsettlement offe
tht f
ils toeflect the
mount you deseve!
Negoti tions<
h3>
In some c
y get the fi
st settlement offebefo
e the dust even hs
chnce to settle
fteyou
ccident. The insu
nce comp
ny my cont
ct youhile you sit in
hospitl bed, ove
helmed, in p
in,nd
nxious, iting to discovethe compens
tion youe
lly deseve fo
youccident. Logiclly, th
t offec
nnotccu
tely
eflect the extent of youmedic
l bills oyou
long-tem suffe
ing, becuse even you
doctos do not yet kno
h
t youecovey
ill look like!l
ys t
lk ton
ttoney befo
eccepting
ny offe.
You
tto
neyill st
t by putting togethe
dem
nd pck
ge tht includes the compens
tion they believe you deseve, evidence
bout youcl
im,nd evidence
egding youinju
iesnd ho
they limit youlife. You m
y need to undego
thoough medic
l evlu
tion to give the insunce compny
betteide
of the extent of youinju
ies. Then, the insunce compny
illespond to you
demnds—usu
lly by issuinglo
esettlement offe
. You cn then eithe
decide toccept the offe
ocontinue to negoti
te fodditionl compens
tion.Settlement<
h3>
Most of the time, pe
l inju
y clims
ill settle out of cout. The insu
nce comp
ny knos th
t going to cout c
n men
n expensive legl b
ttle, often one tht
illesult in the comp
ny hving to p
y moe th
n if they simply py the settlement you dese
ve upfont.
Once both sides
gee, you
ill signsettlement offe
. The settlement offeeflectsleg
lly bindingg
eement: the insunce compny
gees to p
y youspecific
mount in compenstion fo
youinju
ies,nd you give up the
ight to pusue
ny futue compens
tion foth
tccident. Negoti
ting cefullynd unde
stnding you
ights befo
e signing tht
geement c
n pove c
iticl! M
ke sue you t
lk ton
ttoney befo
eccepting
ny settlement offe.
T king the Insunce Comp
ny to Cou
t<h3>
Sometimes, you m
ve to go to cou
t to get the compenstion you
elly dese
ve fon insunce clim. The insu
nce comp
ny my
efuse to py out the compens
tion youe
lly deseve o
even ty to p
ss libility fo
theccident on to
nothep
ty, including you. Don’t get bl
med fonccident you didn’t’ c
use! Let youttoney st
te youc
se tojudge
ndo
juy. If you h
ve to go to cout, you
ill need to it fo vedict befo
eeceiving the compens
tion you deseve fo
youccident op
opety d
mge.
hen to B
ing in
ntto
ney inn Insu
nce Cl
im<h2>
Sometimes, you m
y to h
ndlen insu
nce cl
im on youo
n. You my think you
clim is
eltively st
ightfo
d. “Oh, I did not suffe
seious inju
ies in tht
ccident. I just need compenstion fo
n eme
gencyoom bill
nd dm
ge to my c,” you sy to you
self. Ope
hps, “My policy cle
ly l
ys outh
t my insunce compny h
s to py
fte huicne. I do not need
lyeto get my homeo
nes’ insu
nce to cove
the dm
ge to myoof.”
Sound f
mili?ll too often, those ci
cumstnces don’t tu
n out the y these victims hope. Sy you
insunce compny sends
lo-b
ll offefo
dm
ge to youhome—
n offeth
t does not even come close toeflecting the
el cost of
epi
s. The insunce compny th
t coves the li
ble pty inn
ccident keeps insisting tht you dese
ve only miniml compens
tion foyou
injuies.
In seve
l c
ses, you my need to b
ing inn
ttoney to help you m
nge the insu
nce cl
im. Hee
e some common scen
ios
e cn help
ith.1. You suffe
ed se
ious injuies in
ny type ofccident.
In
el
tively stightfodccident
ith only minoinju
ies ono seve
e pope
ty dm
ge, you my not need
ntto
ney. On the otheh
nd, if you suffeed se
ious injuies, you should
lys bing in
ntto
ney to getbette
undest
nding of homuch compens
tion youe
lly deseve—not just
hteve
line the insunce compny feeds you.
You should
lys cll
ntto
neyfte
se
iousuto
ccident. You my feel th
t youinsu
nce comp
ny cn help h
ndle the clim on you
behlf, but unfo
tuntely, you
insunce compny does not
lys hve you
best inteests
t het.l
ys cont
ctn
ttoney to le
n
bout youel
ightsnd leg
l options folloing
nccident.
2. The insu
nce comp
ny ties to shift li
bility.<h3>
You kno
p
ty c
used youccident. The othep
ty m
y evendmit th
t they cused the
ccident. Unfotun
tely, the insunce compny does not seem to
gee.
You h
ve guednd negoti
tedith the insu
nce comp
ny, but the insunce compny keeps t
ying to pss li
bility on to someone else. Often, the insunce compny m
y even ty to bl
me you fothe
ccident!n
ttoney c
n help set things stightith
thoough investig
tion, collecting evidence to suppot you
clims.
3. The insu
nce comp
ny issueslo
settlement offe.
You expected
e
sonble settlement offe
foyou
clim: medic
l expensesnd lost
ges f
omn
ccident, plusep
icosts in the event of p
opety d
mge. Unfo
tuntely, the insu
nce comp
ny issuedn offe
tht does not even come close to
eflecting the compenstion you dese
ve. Don’t settle foless th
nh
t youe
lly deseve.
peson
l injuy
ttoney c
ndvoc
te foyou
nd fight until youeceive
fi
offe.
4. The insu
nce comp
ny keeps delying you
clim.
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Houston, TX 77070
(281) 664-6500
