How to File an Insurance Claim

Filing an insurance claim can be stressful and confusing.  You may contact our firm about your claim for a free consultation and pointers about how to present your claim to the insurance company.  If not done right, you can impair your insurance claim and lose valuable rights.

Insurance companies will demand that you turn over or disclose information that you have no legal obligation to provide.  For example, you have no legal obligation to provide a HIPPA release or medical authorization to the insurance company of the at-fault party.  Further, you are not obligated to provide a recorded statement.  Further, you are not obligated to provide your social security number.  Insurance companies will use this information to look into your past medical history and insurance claim history to build a defense and give a reason to “low ball” your claim and maybe deny your claim.

Many people are under the false assumption that all claims on their insurance make their rates go up.  Most of this information is not true as claims are filed as “at fault” and “no fault.”  Your insurance should not go up because you were not at fault.  If it does, you should change your insurance company.  There are many insurance companies who will provide competitive quotes for safe drivers.  In some cases, you may need a vehicle immediately for work or school and cannot wait for the other insurance company to finish its evaluation.  In those cases, you should notify your insurance company of the accident and have them pay for the rental vehicle and damages for the time being.  Your insurance company will seek reimbursement from the “at fault” insurance company once they finish their evaluation.

Do not give the insurance company the upper hand by providing them information they are not entitled to demand.  Consumers are protected by the laws and the Texas Department of Insurance.  If you feel that you are being treated wrong by an insurance company, file a complaint with the Texas Department of Insurance and contact our firm for a free consultation.

There are no attorney fees if there is no recovery.  If you have been hurt in a car wreck anywhere in Texas, contact our Texas Car Wreck Lawyers now for a free and confidential consultation at 1-877-TX-CAR-WRECK (1-877-892-2797) or email by clicking here.