Car accidents are stressful and confusing. Filing a claim for fair compensation feels like an uphill battle. Texas laws and insurance company strategies can create unexpected hurdles. Knowing these challenges beforehand prepares you to protect your rights.
Determining fault
Texas follows a “modified comparative negligence” rule. You can get money for your damages if you were 50% or less responsible for the crash. But, the percentage of fault can be reduced from your compensation.
Collecting evidence matters. Police reports, witness accounts, and accident experts can help prove what happened. A legal professional can help you build a solid case and prove the other driver otherwise.
Negotiating with insurance companies
Insurance companies often try to pay out as little as possible. They might offer you a settlement right away that is far less than you deserve. Insurance adjusters might ask tricky questions, hoping you will say something they can use against you.
Calculating damages
It can be hard to know how much money you should ask for. You deserve compensation for medical bills, vehicle repairs, lost income, and pain and suffering. Calculating some of these damages, like doctor bills, is straightforward. However, others, such as pain and suffering, are harder to put a price on.
Keeping good records is essential. Save all bills, therapy notes, and pay stubs. Sometimes, you need expert testimony to prove future medical costs or how much income you have lost.
Seeking compensation
Dealing with a car accident claim is overwhelming when you are trying to recover. With the proper legal support, you can protect your rights and maximize your compensation. You can focus on getting better while they deal with the legal system.