If you have been injured in a car accident that was caused by someone else’s negligence, you are going to be dealing with an insurance company. While we purchase insurance coverage for just this reason, when we turn to our insurance companies for necessary coverage, the initial results are often less than satisfactory. If someone else’s negligence leaves you injured, work closely with an experienced Killeen personal injury lawyer to help ensure that you are fully compensated for your damages.
Asking for a Medical Release Document
If the insurance company asks you for a medical release document, do not automatically agree. While the insurance company will likely legitimately need your medical information as it relates to your accident, that does not mean it should have carte blanche access to your medical records. When it comes to car insurance, Texas is an at-fault state, which means that if the insurance company can show that you were plausibly at fault for the accident – due to your anxiety condition or poor vision, for example – it may be able to reduce the compensation you receive. Never sign a medical release before consulting with an experienced personal injury lawyer who will carefully restrict the parameters of the medical release.
Insurance companies are not always above denying coverage – even if you are fully covered. If you believe the accident was entirely the other driver’s fault, there is every chance that it was. Further, if your insurance company is involved, it does not mean that it will be forthcoming in fully covering your damages. The upshot is that even if the insurance company/companies involved deny a component of your claim – or deny your claim outright – it is far from the final word. A knowledgeable personal injury attorney will help you dig deeper to obtain the compensation to which you are entitled.
A Speedy Settlement Offer
If the insurance company comes back with a speedy settlement offer after your accident, you are well-advised to be suspicious – especially if the amount strikes you as low. The fact is that insurance companies are in the business of turning massive profits, and if your insurance company knows that it is on the hook for your damages, it may do what it can to mitigate its payout. Insurance companies depend upon these basics:
- You have been injured and are facing mounting expenses.
- You are inexperienced in the insurance process and are not sure of what to expect.
- You are relieved to have an offer and may accept it out of desperation.
Do not accept a settlement offer from the insurance company until your personal injury lawyer has advised you to do so.