Mistakes To Avoid When Filing Insurance Claims
Mistakes can add up to thousands of dollars in lost benefits and many days, weeks, and even months of long delays trying to straighten things out. When filing insurance claims following a motor vehicle accident in Texas, there are some critical mistakes that you will want to avoid.
Not Filing in a Timely Manner
You should file a claim as soon as possible. The longer you wait, the more likely it is the insurance provider will deny the claim. Whenever possible, you should always contact your insurance provider before you leave the scene of the accident. This gets the ball rolling and helps reduce the risk the claim will be denied because you missed the company's filing deadline.
Not Taking Pictures/Gathering Evidence
The insurance adjuster's job is to assess how much damage was sustained by the vehicle, driver, and passengers. Adjusters are not crash investigators. Thus, it is imperative for you to take photographs and video of the crash scene. Make sure you record the damage to the vehicles, road conditions, lighting, etc. These can support your claim. Also, make sure that you gather eyewitness contact information, details from any security cameras that may have captured the accident, etc.
In other words, lying. Never lie on any documents you provide to the insurance company or any statements you provide. As the saying goes, give them nothing but the truth, the whole truth, and nothing but the truth. Honesty isn't just the best policy; it is the only policy when filing an Texas insurance claim. If you're ever faced with a question you don't know or don't want to answer, a simple "I don't know" is a reliable reply.
Giving Too Much Information
You are not under a legal obligation to answer your insurance adjuster's questions or to speak with the other party's insurance provider. In fact, it's always advisable to have your attorney handle all communications from your insurer. This helps protect you from offering information that can be used to deny your insurance claim in Texas or twisted against you in court.
We encourage you to contact the team at Welmaker Injury Law by calling (210) 828-6033. We can guide you through the process of filing insurance claims and help you recover the funds you are entitled to receive following a motor vehicle accident in Texas.