Standing Up For Texas Injury Victims

Explaining Insurance Coverage

The insurance system in Texas and across the nation is not exactly straightforward all the time. On top of suffering from an injury, filing a claim can be confusing and overwhelming. All too often insurance companies are not on your side, even though they’re supposed to be there for you when you need help.

Andrew J. Wooley spent time working for insurance companies and gained a thorough understanding of how insurance coverage works, why denied claims occur so regularly and how to combat these policies. He can work for you to advocate for full and fair compensation after a personal injury. His firm, The Wooley Law Firm, PLLC, in Dallas, Texas, was established to combat bad faith insurance policies and support people navigating the personal injury systems.

How Does The Insurance Process Work For Personal Injury Claims?

After you’re injured in an accident, you should be able to file an insurance claim and get compensated in order to cover medical bills, lost wages and other damages. However, it’s usually not this simple, unfortunately. But working with an experienced personal injury attorney can make this process much easier, and help ensure you get what you’re supposed to in compensation.

The insurance process generally follows a similar path:

  • Opening a claim: Report the accident with your insurance company and with the other party’s insurance company. Your attorney can help you make sure everything is reported correctly.
  • Investigation: Your attorney can collect evidence during this part of the process. Your attorney can assist in finding evidence and work on your case during this time. A personal injury attorney will help ensure your rights are protected and gather the right evidence to build your case.
  • Seek and complete medical treatment: Get the care you need and make sure to obtain the proper documentation for your bills. Your lawyer can make sure you have what you need to give to the insurance company here.
  • Demand package: Your personal injury lawyer will create a demand package to submit to the insurance company that details the incident, includes the police report and evidence as well as your medical bills, records and receipts for other expenses and documentation of any lost wages. Then, the insurance company will evaluate your claim.
  • Negotiations: This is where the process can get complicated, and your attorney can advocate for you. If your demand package is not completely accepted or the offer is lowballed, your attorney will negotiate with the insurance company to find an agreeable settlement.
  • Settlement or litigation: You and your lawyer can work together to decide to accept the settlement, make a counter-offer or file a lawsuit at this point in the process. If you choose to litigate, your personal injury attorney can stand up for you in court.

Mr. Wooley’s goal is to get you the compensation you deserve so you’re not left paying medical bills and other expenses. He can work with you throughout the claims process to help make sure your settlement is full and fair.

What Steps Should I Take If My Insurance Claim Is Denied After An Accident?

If you do not work with an attorney at the beginning of the personal injury claim process and your insurance claim is denied, there is still hope. A lawyer can still help make sure you receive the compensation you deserve even after an initial claim is denied. Your personal injury attorney can contact your insurance company to get more information about the denial, gather supporting documentation to build your case and file an appeal with the insurance company. In some cases, you may be able to file a lawsuit with an attorney’s help if your claim is still denied or your settlement offer is too low.

Can I Still File A Personal Injury Claim If I Was Partially At Fault For My Injuries?

Yes, you can still file a claim if the accident was partially your fault. Your personal injury lawyer can give you a better idea of what to expect if this is the case, but it is still possible to recover some compensation. As long as you are less than 51% responsible for the accident, you can still build a strong case for a personal injury claim.

A personal injury lawyer can help determine your level of fault and can even fight allegations of fault for your accident. Mr. Wooley can help evaluate your case and make sure you get a fair chance at compensation.

Get More Information

If you’re confused about your insurance coverage, facing down your insurance company and a denied claim, or want help navigating the entire process, contact a personal injury attorney today. Mr. Wooley can be there for you to answer questions, explain your options, evaluate your case and advocate for your rights. Schedule a free initial consultation to learn more about how he can help. Call 214-699-6524 or use the online contact form to set up an appointment.