What You Need to Know About Your Insurance Claim

Experienced Personal Injury Attorneys Target Results

Minimum Policy Limits

In 2011 the Texas Legislature increased the minimum policy limits to $30,000 per person per accident and $60,000 for aggregate claims per accident.  In 2010 the minimum policy limits were $20,000 per person per accident and $40,000 for multiple claimants per accident.

First in Time – First in Right

When multiple claimants file claims against one or more insured defendants seeking damages for personal injuries or fatalities, the insurance adjuster has the discretion to settle whenever and with whomever it chooses, provided it does not act in good faith.  The insurance adjuster can settle less than all the claims, even if the settlement exhausts the policy limits and other claimants are left out with no coverage.  This means that the party who properly files the first claim may have the first right of payment.  The insurance adjuster is not required to notify other parties of the proposed settlement and the policy limits may be exhausted leaving claimants with little or no recovery.  It is important to contact an experienced personal injury attorney right away to file your claim and preserve your right to payment.

Experienced Personal Injury Lawyers Who Get Results

Many of my clients have complained that their insurance company has denied their claims or refuses to make a good faith offer to settle their case.  Insurance companies have a duty to their insured to make a good faith offer to resolve injury claims.The insurance adjuster’s failure to make a reasonable settlement offer in a timely manner may expose their insurance to a recovery in excess of the policy limits. If you have suffered a personal injury, your choice of a personal injury attorney will most likely influence the outcome of your case.  It is important to hire an attorney who has the knowledge and experience and reputation to handle your claim.  Contact our office today for a free consultation of your injury claim.

Experienced Injury Lawyers Handling Uninsured Motorist Claims

Our firm has handled hundreds of cases involving uninsured motorist claims.  Underinsured motorist claims refers to the driver of motor vehicle who does not have liability insurance coverage or a hit and run driver or to an insurance company who has denied coverage based on excluded drivers, failure to pay insurance premiums or other coverage issues.  The Insurance Research Council has reported that 21% of all motorists on Texas streets and highways are uninsured.  If you have uninsured motorist coverage under your policy, you have the right to pursue a personal injury claim under your policy.

Experienced Accident Lawyers For Under insured Motorist Claims

Under insured motorist claims arises when the operator of a motor vehicle with liability insurance has insufficient coverage to pay for damages caused in your personal injury accident or fatality.  The statutory minimum for under insured motorist policies is the same as minimum policies for uninsured motorists.  The insurance company has a duty to make a good faith offer to pay under insured motorist claims.  If your insurance company makes a bad faith offer, you may be entitled to recover attorney’s fees and penalties in addition to your actual damages.  Hiring a personal injury attorney who understands under insured motorist claims is a critical decision. It is important to have an experienced accident injury lawyer, who understands under insured motorist claims and can explain the insurance claim process.

Who is Covered and Coverage for Family Members

Uninsured and under insured motorist coverage applies to the named insured and his or her family members who are residing in the same household at the time to the accident.  This is true regardless of whether or not they are occupying the insured’s vehicle or a vehicle owned or operated by another person. , including passengers in the insured vehicle and anyone operating the insured’s vehicle with permission of the owned.  The term “family member means “a person who is a member of the named insured’s household and is related to the insured by blood, marriage or adoption.  A child can be considered a family member of both parents household and may be covered under both parents uninsured/under insured motorist polices in cases involving divorce.  Insurance coverage is afforded for the named insured or any family member injured by an insured or under insured motorist while the insured or family member is a pedestrian, operating a bicycle, or otherwise, as long as the bodily injury stems from physical contact with the named insured’s vehicle. It is important to employ an experienced personal injury attorney who has the knowledge, education and experience to handle your uninsured/under insured motorist claims and knows how to get results. When you hire a personal injury lawyer we would encourage you to ask specific questions and inquire about prior results and what strategies they will use in your case to make it happen.  We have learned from experience that results don’t’ just happen; experienced personal injury attorneys make results happen.Call our law firm today for a free consultation!

Can I file a Personal Injury Claim Under Two or More Policies

In certain instances, you may be able to file a claim under two or more policies under the same accident.  This is known as stacking polices and most insurance companies will not tell you that you may be able to file a claim under multiple polices.  We have successfully recovered results for personal injury claimants for claims under multiple polices arising out of the same personal injury accident.

Experienced Personal Injury Attorneys Who Attack Insurance Companies

Our firm has handled hundreds of claims against named insured’s who were responsible for causing personal injuries in accident cases.  We have handled insurance claims for over thirty years and have filed claims against persons who have had insurance coverage afforded by Allstate, American Family, Amica, Farmers, Farm Bureau, Assurance, Geico, Hartford, Insurance Depot, Liberty Mutual, Mercury, Met Life, Nationwide,  State Farm, State and County Mutual, SAFECO, Safe Auto, Travelers, 21st Century, USAA, United Insurance Claim Services, Progressive, Titan, U.S Auto, Warsaw, and many other carriers against commercial carriers and 18 wheelers who cause personal injuries.