How Do I Successfully File An Auto Insurance Claim?

How Do I Successfully File An Auto Insurance Claim?

For many individuals, one of the most difficult aspects of a car accident isn’t even the injuries they received, sadly, it’s dealing with an insurance company. This is because insurance companies are trying to protect themselves financially, they are always calculating their next move, trying to determine who is at-fault, while also trying to minimize the severity of the collision and any injuries that resulted from it. You have to watch everything you say to them, consistency is important, as they will try to lay traps for you to get away with paying you the littlest amount possible. Insurance agents will ask you several questions, many of them are repeated questions worded differently, in hopes to get inconsistencies in your answers. Some of the questions they ask may sound pointed, as if they are blaming you for the accident, even if it was not your fault. This is difficult for anyone, but especially for those who have recently been injured and are dealing with pain. Instead of dealing with insurance companies alone, contact the Law Office of Beverly R. Caruthers in Houston today. 


Our team of legal professionals can help you to navigate this difficult time. We help you to maximize your chances of getting your insurance claim paid. If you follow our guidance and are still unable to get them to pay the claim, you may need to file a car accident lawsuit. Attorney Beverly R. Caruthers has over 30 years of experience getting justice for her clients. Our team can work with you to get a successful claim, so you are able to afford the medical treatment you deserve. 


Listed below are some tips for making a successful auto accident claim in Houston:


At The Scene of The Accident: Immediately following your car accident, emotions may be high and your adrenaline may be rushing, making it difficult for you to think clearly. You may feel upset or have a difficult time properly communicating, as the impact of your injuries begin to affect you. For most individuals involved in a car accident, they do not have a lot of experience surrounding an event like this and may be unsure of what course of action they should be taking in order to protect themselves. 


The first thing you will want to do is get yourself and anyone else involved in the accident out of harm’s way to the best of your ability. If someone is seriously injured, moving them has the potential to make their injuries worse, so unless you feel they are in danger of being hit by another vehicle, or the vehicle they are in is on fire, leave them where they are. You can help by calling emergency services and getting yourself safely out of the road. 


Once everyone has safely removed themselves from their vehicles, you will need to collect the contact information of every party involved in the accident. This does not just include other drivers, but also their passengers and any witnesses who may have pulled over to help. All of this information will play a vital role in helping you file a detailed insurance claim, and will also be helpful in filing an accurate police report. The police report will document basic information, including if anyone is arrested, the injuries the office saw, and other important information to your case. However, if you are too injured to collect this information, your attorney should be able to help you collect it from the police department. 


One of the most important factors to remember following an accident is you never want to, in any way, take responsibility for the accident. Your first reaction may be to apologize to the other driver, feeling as if you could have helped avoid the situation or even simply as an automatic response to the accident, avoid this at all costs. You do not want to sound like you are admitting fault, you may not be thinking clearly, but what you say can be used against you to minimize your claim and to place blame on you for the accident. Insurance companies are manipulative and can use your apology as a way to declare you as the at-fault party in the collision, in order to get out of paying you.  


Following The Crash: It is important to seek medical attention as soon after a crash as possible. Some individuals may be rushed away from the scene in an emergency medical vehicle, while others may be given more freedom to choose how they treat their injuries. It is important to not procrastinate seeing a physician after the accident. If you can walk away from the accident, you may make the mistake of thinking you do not need to see a doctor, however, many of the most common injuries that come from car accidents do not show up right away. These injuries include trauma to the neck, whiplash, and in some cases even mild traumatic brain injuries. Seeing a physician is important following an accident, for your health and also for your insurance claim. 


A physician can catch early warning signs of these injuries, which can help to make sure you get the treatment you need. Additionally, your doctor will document your injuries, which is vital for proving the legitimacy of your injuries to the insurance company you work with. Additionally, going to the doctor immediately following your accident stops the insurance company from arguing any delays as a sign that you’re elaborating your injuries.


Not only will you want to see a doctor immediately after the car accident, you will also want to make an effort to notify your insurance company of the crash as soon as possible. They will ask you to answer a series of questions, as stated above, these questions may be designed to trip you up to take away from your credibility. Insurance companies are predatory and will do everything they can to hold on to their money. Working with an experienced car accident attorney, such as Beverly R. Caruthers can help you to overcome the obstacles insurance companies will lay out for you, so that you are able to maximize your claim, and be awarded with fair compensation for the injuries you have received. 


Insurance companies will try their best to get you to agree to the minimum amount of compensation following your car accident. They may outright deny your claim, or they may make a quick offer of far less than you qualify for, in order to try to get you to close the case as quickly as possible. These insurance companies are banking on the fact that you are inexperienced with car accident cases, so that they can take advantage of you. Working with an experienced car accident attorney in Houston, will make it difficult for these insurance companies to get away with manipulating the situation to fit their needs. 


If you find yourself in this situation, refuse their offer and contact the Law Office of Beverly R. Caruthers in Houston today. Our team helps fight for justice all over the Greater Houston area. Whenever you have been injured due to the reckless or negligent actions of another, we can help you. 


The Aftermath: In very rare cases, insurance companies will fairly compensate you for your injuries and property damage without the pressure of an attorney going up against them. If you are lucky enough to receive fair compensation, accept your offer and move forward with your life. However, make sure the amount you are being offered satisfies more than your short-term needs. If you require physical therapy, have PTSD, are unable to work, or have been affected by your car accident in another manner, you may not be getting as much compensation as you truly deserve. 


If you are unsure if the offer being made to you is fair, reach out to the Law Office of Beverly R. Caruthers today for a no-obligation consultation for your car accident case. Attorney Caruthers knows what you are entitled to and can help you to protect your rights following a car accident. She will deal with the insurance company for you, and will not back down to their bully-tactics. Once you get an attorney involved, the insurance company may suddenly decide they owe you more than their original offer. 


If the insurance company you are dealing with still refuses to pay, Attorney Caruthers can file a Texas car accident lawsuit to recover that money. In a lawsuit, you can ask a court to order the company to pay compensation for your medical bills, car repairs, your time away from work, and more.


Even the most experienced and careful drivers are at risk of being involved in a car accident. This can be due to another driver’s actions, harsh weather conditions, faulty car parts, and much more. These car accidents can range from a minor fender bender to a major collision that results in injury or even the loss of life. For individuals who have suffered an injury in a car accident due to the reckless or negligent actions of another entity, the road to justice can be overwhelming and full of many unexpected problems. Instead of facing this difficult time on your own, The Law Office of Beverly R. Caruthers invites you to reach out and tell us about the specifics of your case. We offer no-obligation, no-cost car accident evaluation for cases in the Greater Houston area, for those who have been injured. You are welcome to take advantage of our initial consultation by calling us or you can fill out our client intake form. Don’t put off contacting us, the sooner you reach out the better it will be for your car accident and personal injury case. Our team has a proven track record of getting the results you need for the compensation you deserve. Make sure you are doing everything you can to get the justice you deserve in your case today. Read our other blogs to learn more about how we can help you navigate your car accident case. 


Nuestro equipo brinda servicios de habla hispana para su conveniencia.

Too often Spanish-speaking individuals feel they will not be able to find justice in their car accident cases, causing them to not take action against those who have left them with financial devastation and physical trauma. At the Law Office of Beverly R. Caruthers, our team refuses to let a language barrier affect your right to justice and compensation. If you or someone you love has been injured in an accident and is in need of Spanish-speaking legal advice, our team is here for you. We make it simple for those who have been injured in car accidents to navigate the legal system in order to get the results they need to continue on in their lives. Schedule your no-obligation car accident consultation with Attorney Caruthers today. Our team will work with you every step of the way to ensure your needs are being met and that you are getting the treatment you deserve in your car accident case. Don’t hesitate, the sooner you call the more we can do to get you results. 


Best Car Accident Attorney in Houston TX

If you have been injured, experienced loss of income, or are unable to work because of a car accident, you can benefit from the services of a Houston car accident expert in your personal injury case. Whether you missed work due to an injury or due to not having access to a vehicle, Attorney Beverly R. Caruthers can help you! Our team works hard to bring the most efficient and practical solutions to your car accident case. Beverly R. Caruthers proudly serves and defends the Greater Houston area including but not limited to Baytown, Conroe, Crosby, Humble, Huntsville, Lake Jackson, Missouri City, Pasadena, Spring, Tomball. Our legal team is bilingual and offers Spanish speaking legal counsel for all of our clients. If you need legal representation following an incident don’t hesitate to contact Beverly R. Caruthers Law Office! 



Beverly R Caruthers Law Office
Address: 4141 Southwest Fwy, Suite 620
Houston, TX 77027
(713) 526-9557

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