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Category Archive: Law Blog

Category Archive: Law Blog

  1. How to File a Car Accident Claim With Nationwide in Texas

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    The odds are high of you having to deal with Nationwide Insurance after a car accident in Texas. Nationwide is one of the biggest insurance carriers in the US. Despite the company’s slogan, Nationwide is not on your side. Like all insurance companies, Nationwide obtains profits for investors by minimizing claimant payouts. As a crash victim in need of benefits from Nationwide, it is critical to use a Houston car accident attorney to negotiate your settlement for you. Otherwise, the insurance carrier may take advantage of you.

    Stop, Call 911 and Collect Information

    Before you deal with the insurance claims process, take steps to protect yourself and your rights while still at the scene of the auto accident. Always stop your vehicle at the scene of the crash and check everyone for injuries. Call the police for a serious crash – one that results in injuries, deaths or over $1,000 in property damage. You can call 911 for a less serious accident as well, especially one involving an uninsured driver, drunk driver, or hit-and-run.

    Nationwide will need some information about your car accident. Start gathering facts right away. Write down where and when your car accident occurred, as well as the name and contact information of the other driver. Take photos while at the scene of the accident. The more information you collect, the stronger your ability to negotiate your claim will be. Do not tell the officer or the other driver you caused the accident. Instead, wait for investigators to determine fault while you obtain medical care.

    One of the most common mistakes crash victims make is failing to obtain immediate medical care for their injuries. Adrenaline can mask injury symptoms. Many victims do not go to the doctor at all. Others may eventually go after waiting a few days. These are mistakes that could give Nationwide a reason to deny your insurance claim. Protect yourself physically and legally by going to the hospital right away after a car accident in Texas, even if you think you are fine. Request copies of all medical documents and bills.

    Be Wary When Talking to Nationwide’s Claims Adjusters

    Most insurance companies ask claimants to report car accidents as soon as they can. This could mean one, two or even three days after an accident as long as you call or file your claim as quickly as you reasonably can. Your initial claim report does not have to be detailed. Nationwide will simply need some basic information about your crash. It will then assign a claims adjuster to your case to follow up for more information later.

    File a car accident claim with Nationwide in Texas either by calling 1-877-669-6877 or using the insurance company’s self-service online application. Before a claims adjuster contacts you about your accident, call a lawyer for legal advice. A lawyer can give you an idea of what your car accident case might be worth, as well as advice on how to deal with claims adjusters. A lawyer could also take over insurance claim negotiations with Nationwide on your behalf while you focus on healing.

    Be careful what you say when discussing your claim with an insurance adjuster from Nationwide. The adjuster will be searching for ways to minimize or eliminate your payout. Do not grant the adjuster permission to record a statement from you. The law in Texas does not obligate you to give one if an adjuster asks. This is often a tactic to try to avoid paying for your damages later. Do not sign any medical document release forms, do not admit fault for the auto accident and do not accept the initial settlement offer. A car accident lawyer may be able to negotiate a better amount on your behalf. Work with an attorney you trust from the beginning of your Nationwide Insurance claim in Texas for the best possible results.

  2. How to File a Car Accident Claim With Liberty Mutual in Texas

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    Liberty Mutual is one of the fastest-growing insurance companies in the US. It currently makes over $43 billion in consolidated revenue per year. At Liberty Mutual, policyholders are shareholders, rather than the company being publicly traded. That does not, however, change the way Liberty Mutual treats its policyholders or handles auto accident claims. If you need to file a car accident claim with Liberty Mutual in Texas, take certain steps to protect your rights. Otherwise, you could accidentally settle for less than you require.

    Fulfill Your Responsibilities as a Driver in Texas

    Avoid giving Liberty Mutual a reason to question or deny your claim. Fulfill your responsibilities as a driver after an auto accident to protect your right to insurance benefits. Stop at the scene and call the police if the crash caused at least $1,000 in vehicle damages or any personal injuries (to yourself or others). If you have injuries, go to a hospital right away. Delaying medical care could be a red flag for Liberty Mutual. It could make the insurer assume your injuries were not serious, or else allow the company to allege that you contributed to your own injuries by delaying treatment.

    Request copies of your medical bills and records. While still at the scene of the car accident, obtain the other driver’s name, address, phone number, license number and insurance information. The police often help victims retrieve these facts about the crash. Write down your police report number. Do not admit fault to the peace officer or the other driver. Remain as polite and cooperative as possible, but do not apologize or accept fault. Keep copies of any documents connected to your car accident for your Liberty Mutual insurance claim later.

    File Your Liberty Mutual Claim as Soon as Possible

    Liberty Mutual asks anyone with a car accident claim to file as quickly as possible. Before you make the call, however, consult with a Houston car accident lawyer. Navigating the claims process can be tricky. When you are ready, dial 1-877-501-2467 to speak directly to a representative at Liberty Mutual to file your claim. The company also has an online auto claims process that takes just 5 to 10 minutes to complete. Someone from the company will get back to you shortly after you submit your online claim for a further discussion about your wreck.

    Tips for Maximizing the Value of Your Liberty Mutual Claim

    Filing your car accident claim is just the beginning. Once Liberty Mutual receives your claim and contacts you, the real work begins. It is critical to safeguard your rights during any conversation with an insurance claims adjuster from Liberty Mutual. Be polite to the adjuster, but keep in mind the company will want to minimize your recovery. Protect yourself from common tactics and bad faith attempts with a few proven tips.

    • Be careful what you say. Do not tell an insurance agent you think you caused the crash. Limit what you say to the shortest answers possible – ideally, yes or no. Do not offer any information the adjuster does not request and do not give long or narrative answers.
    • Do not agree to give a recorded statement. A recorded statement is a tactic Liberty Mutual may use as ammunition against you. Liberty Mutual could use your statement against you later in an effort to undermine your reliability as a witness.
    • Do not sign anything. If Liberty Mutual sends you anything to sign – especially a document asking your authorization to access medical records – send it to an attorney first. Release forms may invade your privacy and give the insurance company unlimited access to your medical records.

    The top tip for maximizing the value of your car accident claim is to hire a lawyer to do the negotiating for you. A plaintiff’s attorney will have insider knowledge about how to navigate the car accident claims process with Liberty Mutual while optimizing results. A lawyer can field phone calls from insurance adjusters, review all paperwork sent to you, advise you about your rights as a claimant and argue for maximum compensation on your behalf.

  3. How to File a Car Accident Claim With Progressive in Texas

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    Achieving a fair settlement for an auto accident in Texas is not always easy. Progressive Insurance is a large and powerful company with plenty of resources to put toward fighting liability for a crash. If your car accident claim in Texas involves Progressive, arm yourself with knowledge about how the claims process at this company works. When in doubt, turn to a car accident lawyer for assistance filing a claim and obtaining full compensation.

    Call the Police

    Texas law makes it mandatory for all drivers involved in car accidents to call the police immediately if they cause personal injuries, fatalities or $1,000 or more in property damages. It is a good idea to call the police after minor collisions as well. The police can give you an official workup of the accident. A police report can include important facts Progressive will ask for later, such as the location, date and time of the collision. The police can also help you determine fault. If the officer cites the other driver for speeding or running a red light, for example, this could serve as proof of that driver’s fault during your insurance claim.

    Exchange Information

    Always stop at the scene of a car accident in Texas to fulfill your responsibilities as a driver. On top of calling the police for serious accidents, you also have a legal obligation to exchange information with the other driver. Texas law requires you to render reasonable assistance to anyone injured in the crash. Once you have done this, give your name, address and phone number to the other driver. You may also wish to swap driver’s license numbers, plate numbers, vehicle identification numbers and insurance information. Write down the other driver’s insurance policy number and the number to call his or her Progressive agent, if possible.

    Do Not Admit Fault

    Texas is a fault state, meaning the driver that caused the crash will have to pay for damages. Avoid confessing fault to the other driver, to the police and to anyone who contacts you from Progressive. Accepting fault for an accident in Texas without an investigation could mean throwing away your rights to any compensation. Even if you believe you caused the wreck, an investigation could show otherwise. The other driver might have also contributed to the crash, for example, or the city could bear fault for a dangerous roadway. Instead of admitting fault, wait for the results of a car accident investigation to determine liability. Then, file with that party’s insurance provider.

    File the Preliminary Claim

    If the at-fault driver has Progressive, call immediately to file a claim. Progressive requires you to report all car crashes right away. While it does not give a specific timeline, it is critical to call Progressive at 1-800-776-4737 as soon as possible to ensure a valid claim. Waiting too long could give Progressive a reason to deny monetary benefits. Progressive also accepts online claims. You do not need all the facts about the crash during preliminary filing. If you do not know how to answer an adjuster’s question, say, “I don’t know.”

    Consult With a Car Accident Lawyer

    Before you continue your conversations with a claims adjuster from Progressive, consult with a car accident lawyer for an overview of your claim. A lawyer is someone you can trust to protect your best interests. Like you, your attorney will want to maximize your financial recovery. Progressive, on the other hand, will want you to settle for as little as possible. A conversation with the right car accident lawyer could clear up confusing matters and give you legal advice as to how to proceed safely with your claim.

    If you hire a Houston car accident attorney to negotiate your case for you, he or she can take over all communications with Progressive’s agents and adjusters on your behalf. Your lawyer will negotiate for a compensatory award he or she believes represents the true value of your injuries and damages. You can rest assured in the fair outcome of your car accident case when you hire a lawyer to take care of a Progressive insurance claim for you in Texas.

  4. How to File a Car Accident Claim With Allstate in Texas

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    Do not underestimate the importance of the insurance process after a car accident in Texas. How you handle your insurance claim can make all the difference to the financial settlement you receive. If you need to file a car accident claim with Allstate in Texas, either through your own insurance or that of the other driver, learn a few tips before making the call.

    Understand How Allstate Insurance Works

    First, and most importantly, get to know how Allstate and most other insurance companies operate. Insight into how an insurance company profits its investors can help you protect your rights during settlement negotiations. Large insurance corporations such as Allstate protect their bottom lines by keeping money out of claimants’ pockets. The claims adjuster handling your case may try many tactics to convince you to settle for as little as possible. These tactics often come down to the three Ds: delay, deny and defend.

    A claims adjuster working for Allstate to settle your car accident claim in Texas might first try to delay your payment as long as possible. This could take the form of ordering a longer investigation than is necessary, requesting excessive proof or otherwise unfairly drawing out your case. The adjuster may also try to deny your claim. Common reasons given for denials are delayed medical care and missed filing deadlines. Finally, the insurer may try to defend itself in court. Allstate has aggressive and powerful legal teams ready to defend the company against car accident claims.

    Protect Your Rights

    You do not have to allow an insurance adjuster to take advantage of you during the car accident claims process. If Allstate is your insurer, review your policy closely before filing a claim. Make sure you meet all the rules and regulations for filing. Never admit fault for an auto accident to one of Allstate’s agents. When discussing your car accident, stick only to the facts of the case. Go to a hospital soon after your crash for medical care. Keep copies of all important documents, including medical records, for your claim. Hire a Houston car accident lawyer if you need assistance negotiating with Allstate.

    File a Claim Against the Correct Party

    Texas’ fault laws state that if a car accident injures you, the at-fault driver will need to pay for your medical bills and other damages through his or her insurance. The required amounts of insurance in Texas are at least $30,000 in bodily injury liability per person, $60,000 per accident and $25,000 for property damages. If the at-fault driver has Allstate as his or her insurance provider, you will bring your claim with Allstate.

    If you believe the other driver was at fault, call his or her insurance provider to report the crash immediately. You can contact Allstate at 1- 800-ALLSTATE to reach an agent. You can also file a car accident claim online or use the company’s mobile app. Do not wait to file, as this could give Allstate a reason to deny your benefits. If you do not feel comfortable handling your insurance claim alone, hire a lawyer to do so for you.

    Negotiate for Fair Compensation

    It can be difficult to negotiate with Allstate for a fair and full compensatory award. Fielding calls from insurance adjusters, avoiding signing the wrong documents, gathering necessary evidence and attempting to negotiate a settlement can be too much while also dealing with personal injuries. Hiring a lawyer can give you the peace of mind to focus on your physical and emotional recovery. Your attorney will take over your Allstate claim and protect your rights from start to finish. A lawyer will not allow an adjuster to take advantage of you. With a lawyer by your side, you can maximize your financial recovery during a car accident claim with Allstate in Texas.

  5. How to File a Car Accident Claim With Geico in Texas

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    Geico is one of the most profitable insurance companies in the country. It currently has more than 15 million policyholders. If you get into a car accident in Texas, the odds are good that you will have to file a claim with Geico Insurance. Unfortunately, Geico did not become a multibillion-dollar company for being generous with claim payouts. Like most insurance companies, Geico makes it difficult for crash victims to recover financially.

    Do Your Part

    Geico will look for reasons to deny your claim every step of the way. Protect your right to fair compensation by doing your part to ensure a valid claim to damages. First, call the police from the scene. Obtaining an official police report can show Geico the legitimacy of your claim. It can also record important facts, such as the names of eyewitnesses. Next, go to the doctor. Waiting to receive medical care is a common mistake Geico uses to deny claims or reduce payments in Texas. Finally, do not admit fault. Never say you caused or contributed to the accident, even in part. Admitting fault could make Geico deny your claim.

    File Your Claim

    Most insurance companies, including Geico, require claimants to notify them of an auto accident as soon as possible. This generally means a timeframe of 24 to 72 hours past the accident. You can call Geico to make a preliminary report of the accident right away – from the scene of the crash, if desired. You can also wait until after you have been to a hospital and know a little more about your case. Do not wait longer than a day or two to file, however, as this could give Geico a reason to deny your claim.

    Geico takes new car accident claims in a few different ways. First, you could call the company at 800-841-3000. It may be faster and easier, however, to use Geico’s mobile app or website to file a crash claim. A claims representative from Geico will contact you soon after you submit your claim virtually. Prepare what you will say to the insurance claims adjuster ahead of time. If you do not feel comfortable negotiating your claim on your own, hire a lawyer to represent you instead.

    Protect Your Rights

    The most important thing to remember when filing a car accident claim with Geico is to protect your rights. No matter how friendly the insurance adjuster assigned to your case is, remember his or her main goal: to minimize your recovery. Look out for yourself and your own best interests by hiring an attorney. A car accident lawyer in Texas will know how Geico operates and how to demand fair compensation for your damages from a claims adjuster. In the meantime, use a few tips to protect yourself from an adjuster’s negotiation tactics.

    • Be careful what you say to the adjuster.
    • Do not give more information than the adjuster requests.
    • Do not speculate about fault or causation.
    • Never give Geico a recorded statement.
    • Do not sign any medical release forms.
    • Wait to accept the first offer.
    • Employ proven tactics with help from a lawyer.

    The first offer from a Geico representative after a car accident in Texas will most likely lowball the true value of your injuries and losses. It may not reimburse the total costs of your medical bills. Geico uses a tactic called usual and customary charges to downsize a claimant’s medical recovery. Instead of adding up your actual medical bills, Geico will replace your health care costs with an amount it deems usual and customary. It is critical to take your first settlement offer from Geico to an attorney. A car accident attorney can help you negotiate it to a full and fair amount. A Houston personal injury lawyer can help you with all aspects of filing a car accident claim with Geico.