Texas requires drivers to have proof available that they can pay for any accidents they may cause. The easiest way to do this is by getting car insurance. While the state does not require insurance, it’s definitely a wise decision to get insured in the event of an unexpected and costly accident.
Giving your money to an insurance company every month is supposed to ensure that you have financial protection in the event of an expensive accident. Unfortunately, your insurance company isn’t on your side, even though you help pay their bills. Insurance companies are on their own side.
They will do anything and everything they can to deny your claim, or to shell out the least amount of money possible. The only surefire way to get the compensation you deserve out of your insurance company is to have a reliable lawyer, like Gibbs & Crivelli, Slingshot Law.
Insurance Companies Will Use Your Words Against You
Insurance companies don’t actually want to help you. The easiest way to avoid giving you the money you’re owed is to find a reason to deny your claim.
Avoid giving statements on the record. No matter what the insurance agent says, you are not obligated to give a statement on the record. Giving a statement on the record gives the insurance company the ability to scrutinize your account for inconsistencies. They can and will use your words against you.
When speaking to insurance companies, law enforcement, or anyone else involved in your claim, be sure to stick to indisputable facts. Anything you say can and will be used against you if it can be. Don’t say “I think,” and definitely don’t say “I’m sorry.” Even an accidental apology can be used to devalue your claim significantly.
They Will Give You a Lowball Offer
One of the tactics that insurance companies use to avoid paying out the money you’re owed is giving a quick settlement offer. This is a lump sum of money, and should never be considered, as it will never be worth the amount of your claim.
There are some red flags to look out for to spot a lowball settlement:
The insurance company claims that you were at fault
The company stops returning your calls
If the insurance company tries these tactics, you have options to avoid losing your compensation. Talk to your lawyer about facing the insurance company and ensuring you get the coverage you’re due for your car accident.
Speak with an Attorney about Your Insurance Company
If you or someone you love is trying to get the compensation you deserve from your insurance company in Texas, know that you don’t have to fight alone. Insurance companies may not be your friend, but your lawyer should stay by your side to ensure you get the coverage you’re due.
Ready to take action? Gibbs & Crivelli, Slingshot Law is ready to fight for you, offering free case evaluations with just a phone call to 800-488-7840 or by filling out our online contact form below.
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