What You Need To Know About Texas Car Insurance Claims

June 5th, 2023 Personal Injury

So you’ve been in a car accident, what now

One of the first things you need to do is get in contact with your insurance company or the insurer of the other driver to start the claims process. Once you start the process, you’ll likely wonder how long it will take and what steps will need to be taken to reach completion. 

Your local Hidalgo County car accident attorney has all the information you need to know so you can secure the compensation you deserve. And if the insurance company is trying to deny your claim, the lawyers at Palma Law Office are here to help you deal with the insurance company.

What Evidence Do I Need to File an Insurance Claim?

The evidence you need is all about proving exactly what happened, who was at fault, and presenting your financial losses. Here’s a list of what you need to start gathering as soon as you possibly can:

  • Photographs of the accident scene and any injuries
  • Witness statements
  • Medical bills
  • Police reports
  • Witness testimonies
  • Medical records

What Type of Compensation Can I Get?

Insurance claims are generally more straightforward than your average lawsuit. Insurance companies have standard rates they apply to determine what amount of compensation you’ll receive with things like lost wages, medical bills, and vehicle repair bills covered. 

Other costs that may be accounted for are the effects of any disability suffered as a result of the crash, replacement services like childcare if you can’t work, home and medical modifications you need due to a permanent disability, and even compensation if the resale value of your car took a hit.

How Long Does an Insurance Claim Take?

The timeline for an insurance claim to see completion depends on a lot of factors. If it’s a pretty straightforward case, you can typically expect it to take about 15 to 45 business days after your claim to see an initial settlement offer. If you feel this first offer was too low, you can negotiate with the insurance company, ideally with the help of an Edinburg injury lawyer. 

Making a counteroffer does stretch out the timeline, so it can take weeks or months to see your compensation. If the insurance company wants to fight to pay you, this is when they’ll do it and that’s when you will need the support of your accident attorney Edinburg, Texas from Palma Law Office.

What Do I Do if My Insurance Claim Is Denied?

This is when you’re looking at filing a lawsuit. You can technically do this on your own, but remember that insurance companies have whole legal teams dedicated to paying claimants as little as possible. 

When you hire a Hidalgo County car crash attorney, they’ll be in your corner to help you work through the entire legal process and make an exceptional case to present in court.

Your Edinburg Personal Injury Lawyer From Palm Law Office Will Fight for You

Even if you’re just hoping for a simple car accident insurance claim, an Edinburg auto accident lawyer’s guidance can ensure you get the compensation you’re owed. The experienced lawyers at Palma Law Office are here to help you every step of the way. 

We can help you build a strong claim with solid evidence or turn that into a strong suit to give you the best chance in court. We’re here to help you, no matter where you are in this difficult process.

Don’t let the insurance company stall your claim. Contact Palma Law Office for a FREE consultation today to see how we can help!

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