Being involved in a vehicle crash is stressful enough. Dealing with car insurance after an accident can add a whole new layer of frustration. You are already facing injuries, missed time from work, and financial stress. Insurers that delay payment or give you the runaround are literally adding insult to injury.
The decisions you make in the hours and days following your crash can directly impact your health and finances. That’s why it’s so important to avoid common mistakes when dealing with insurance in Texas. Here are the missteps you need to be aware of and what to do instead.
1. Waiting Too Long to Report the Accident
It’s easy to feel overwhelmed after a crash, but waiting too long to notify your insurance provider can work against you. Report the incident as soon as you can, preferably within 24 hours. Failing to do so can lead to a delay or even denial of coverage.
Even if the accident seems minor, make that call. Your provider needs to open a claim and begin documenting what happened.
2. Admitting Fault
One of the biggest mistakes to avoid after a car accident in Texas is admitting fault. Just stick to the facts. Provide basics such as the time, place, and who was involved. Even simple statements like “I didn’t see you” or “I’m sorry” can be used against you. Let the investigators determine who is liable based on official reports and evidence.
3. Skipping or Delaying Medical Care
Car accidents are stressful, adrenaline-fueled events. As a result, you may feel “okay” after your crash. Even if you don’t think you are injured, seek medical attention. Injuries like concussions, whiplash, and internal trauma may not show symptoms right away.
Delaying treatment puts your health at risk and can also harm your claim. Get evaluated and follow all treatment plans. Keep records of everything, as they will provide valuable evidence if you pursue a personal injury claim.
4. Giving a Recorded Statement
Insurers may ask for a recorded statement. Don’t provide one without speaking to a Texas car accident lawyer first. These statements can be taken out of context to assign blame or downplay your injuries.
You’re not required by law to provide a recorded statement to the other driver’s insurance company. Politely decline and let your car accident attorney handle communications on your behalf.
5. Accepting the First Settlement Offer
When dealing with car insurance after an accident, be wary of accepting the first offer you receive. While it may seem like a relief to get money fast, early offers are often lower than what your claim is worth. Insurance companies want to settle claims as quickly and cheaply as possible.
Once you accept an offer, you usually can’t go back and ask for more. Be patient. Review any offers with a lawyer who can evaluate whether it’s fair.
6. Not Documenting the Details
It can take up to 10 full calendar days before your crash report is available. While 10 days may not sound like that long, it can make a huge difference in the timeline of your case.
With that in mind, you should document as much as you can on the day of the accident. Take photographs and gather contact information for any witnesses. Get the official police report number as well. All of this information will be critical when consulting with an attorney. Gathering these details yourself means you won’t have to wait for the official report to talk to an attorney.
7. Not Understanding Your Policy or Legal Rights
When dealing with car insurance after an accident, it’s essential to know what your policy does and doesn’t cover. Texas requires drivers to carry minimum liability insurance, but that doesn’t mean all of your expenses will be fully covered.
Don’t let an insurance adjuster pressure you into accepting less than what you’re entitled to. If you feel your insurer is acting in bad faith, talk to an attorney.
8. Dealing With the Insurance Process Alone
The aftermath of a crash can be overwhelming. Communicating with insurance companies and making sense of your options can feel like a full-time job. The good news? You don’t have to go it alone.
A car accident lawyer can assist you in negotiating with the insurance companies and can protect your rights to compensation. The right legal team can make a huge difference in your case.
FAQ
Will My Insurance Rates Go Up After an Accident in Texas?
In many cases, yes, your rates will go up after a crash, especially if you are found at fault. However, the increase depends on factors like the severity of the crash, your claims history, and the insurer’s policy. Some providers offer accident forgiveness, which minimizes the impact of a crash if you meet program criteria.
What if the Other Driver Doesn’t Have Insurance?
If the other driver is uninsured or underinsured, you may need to rely on your own uninsured/underinsured motorist (UM/UIM) coverage. This can help cover your medical expenses and damages not paid by the at-fault party.
How Long Do I Have to File a Claim?
According to the Texas statute of limitations, you have up to two years from the date of your accident to file a personal injury claim. However, you shouldn’t wait anywhere near that long.
Need Help Dealing With Car Insurance After an Accident? We’ve Got You Covered
Do you need to talk to a car accident attorney about your case? The Ramsey Law Group has an experienced legal team that has helped numerous clients obtain fair compensation following a vehicle crash.
Contact Ramsey Law Group to schedule a free consultation with one of our Texas car accident lawyers.