If you are in an accident caused by another driver then you may file a bodily injury and damage claim with the other driver's insurance company. The following information will be helpful to know in the event of this.
When you file a claim the person who takes care of it is called an insurance adjuster. The first thing he or she will do is to take a recorded statement from you regarding your view of the facts of the accident. You must be prepared to provide estimates of the damage done to your vehicle as well as any doctor or hospital bills that were the result of bodily injury.
It is important for the reader to understand that - although insurance companies all but delight in taking your money in the form of monthly premiums - they are not as anxious to pay out on a claim against them and will do everything they can to minimize the settlement.
Because of this fact, it is probably a good idea to speak with a lawyer first. This may prevent you from 'speaking out of turn' - or saying something that could allow the insurance company to offer a smaller settlement than you deserve.
The insurance company of the driver who caused the accident will request proof of any claim you make for lost wages, medical care and vehicle damage. States take different stances in regard to insurance claims for bodily injury. Some have strict rules while others have a 'no fault' approach.
Either way, filing a claim or suing for a settlement is a lengthy, tenuous process. Your best bet is to hire an attorney who specializes in auto accidents. They will put your best interests first.
Greg Baumgartner is a Houston injury lawyer and also the founder of the Baumgartner law firm which is dedicated to helping car and truck accident victims seek civil justice. if you have been seriously injured in a car accident or a truck wreck and want to speak to a Houston car accident attorney call the Baumgartner Law firm.
