After a car accident in Texas, filing an insurance claim is a critical next step. As a result, you may come into contact with Home State County Mutual Insurance based in Waco.
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When to File a Claim with Home State County Mutual Insurance
Texas is an “at-fault” state, which means the driver who causes a car accident is legally obligated to pay for damages. As a result, there are two circumstances where you would file a claim with Home State County Mutual Insurance after an accident.
The At-Fault Driver is Insured by Home State County Mutual Insurance
If the at-fault driver carries auto insurance through Home State County Mutual Insurance, you have the option to file a claim directly with the company. The at-fault driver may have already reported the accident. Therefore, a claims representative may initiate contact. If not, you can contact the company to notify them of the accident involving their policyholder and that you’d like to file a claim.
You Carry Home State County Mutual Insurance
If you are insured by Home State County Mutual Insurance, you may choose to file a claim under your policy after an accident, depending on your coverage. Even if you were not at fault, if you have collision coverage, you can file a claim, so you do not have to deal with the at-fault party’s insurer and wait for them to approve your claim. However, you will be responsible for your deductible unless Home State County Mutual Insurance determines another party was responsible and can recover compensation from their insurer on your behalf.
On the other hand, if you only carry liability insurance that pays for the damage you cause and not for your vehicle repairs or injuries, you will have to pay out-of-pocket for accident-related expenses.
How To File a Claim with Home State County Mutual Insurance
The only way to file a claim with Home State County Mutual Insurance is to contact the Managing General Agent (MGA), which can be found on their website, by calling (713) 538-1249, or by emailing email@example.com. Unfortunately, they do not accept claims online.
Once you report the collision, a claim adjuster will be assigned to investigate the accident and determine fault. They may also ask for a recorded statement and additional information, such as photos of the accident scene, the police report, medical records, etc. The adjuster will also need to inspect your vehicle. If they accept your claim, they may offer you a settlement offer.
Speak to an Attorney First
Before giving a recorded statement or accepting a settlement offer from Home State County Mutual Insurance, it is critical to speak to a Houston car accident lawyer. An insurance company’s initial settlement offer is typically unfairly low compared to your case’s actual value. Additionally, insurers often use recorded statements as a chance to reduce their liability. They will ask very specific or impossible questions intended to trick you into saying something that unintentionally hurts your claim. A car accident lawyer can protect you from these situations by handling all communication with Home State County Mutual Insurance on your behalf.