Arguments Insurance Companies Make
Smith & Hassler Will Stand Up to Big Insurance Companies and Get You the Compensation You Deserve
Insurance companies use strict criteria to limit the amount of damages they pay on any given claim. People involved in accidents need to be careful about what they say when reporting their claims. Even an accident victim's own insurance company will find reasons to deny or reduce the settlement. And that says nothing about the insurance company representing the other party in an automobile accident.
It is always prudent to consult with an experienced attorney before you make any formal statement to an insurance company, whether the insurer is representing you or the other driver. Remember, when you make a statement to an adjustor or investigator it may be recorded and considered your formal statement.
Some of the arguments you may hear from insurance companies include:
"You were partially to blame."
The insurance company will try to suggest that your actions also led to your injury. That's because Texas uses a modified comparative negligence rule that could affect the amount of damages you can recover. For example, if you are found to be 20% responsible for the accident, your damages would be reduced by 20%. And if you are found to be 51% responsible-or more-you are unable to recover any damages.
"Your injuries aren't that serious."
Another common tactic insurance companies use is to challenge the extent of your injuries. They may insist that you get an independent medical exam from one of their doctors. Our attorneys can help you prepare for the exam and challenge any findings that call your injury into question.
"Your injury was pre-existing."
An insurance company may claim that you were injured before the accident, and are not eligible to recover damages. Our attorneys will gather evidence that proves your injury occurred as the result of the accident, and will fight to get you compensation.
"Your damages aren't that much."
Insurance companies will often make you a lowball offer that doesn't come close to the full value of your claim. They may not take into account any future medical treatment you will need for your injury. They may undervalue any property that was damaged. We take ALL of your damages into account and hold the insurance companies responsible for paying.
Contact an Auto and Truck Lawyer with Our Firm
At Smith & Hassler, an experienced personal injury attorney will assist you or your loved one with your case. We will aggressively take on the insurance company and stand by your side. Call (713) 739-1250 for your free personal injury consultation today. We handle cases in Houston and throughout Texas.
Remember, your initial consultation is free, and you don't pay us unless you win.