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.
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.
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.
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.
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.