There's nothing worse than paying insurance premiums year after year only to have your legitimate claim denied or low-balled. If this happens to you, here are some things you should know and steps you can take:
- Insurance companies are required to offer an appeals process for a denied claim. As your agent how to access this process.
Document your loss as much as possible, including photographs of damages and names of any witnesses.
- Hire an independent adjustor if your estimate of loss differs dramatically from your insurance company's adjustor.
- If your appeal is denied, file a complaint with the Texas Department of Insurance. You can file online or call its Consumer Help Line weekdays at 1-800-252-3439.
- Contact a qualified insurance dispute attorney at the Edwards Law Firm for help in negotiating a settlement with your insurance company, or filing a lawsuit.
- In the event of a law suit, take heart in knowing that if your policy is capable of more than one reasonable interpretation, courts use the interpretation that most favors the consumer.
Motor Vehicle Accidents, Including Motorcycles
In the event you are involved in a vehicle crash or collision, here are some DOS and DONT'S:
- Call 911 if there are injuries, or you even think there are injuries.
- Collect info including names, contact and insurance information from any others involved in the accident.
- Take photos of the scene, including the license plates of all vehicles involved and, with permission, the other parties' insurance documents.
- Talk to witnesses, get their names and contact information.
- Keep the vehicle "as is" until damages are determined.
- Contact a qualified vehicle accident attorney at the Edwards Law Firm as quickly as possible.
- Apologize or discuss issues of fault.
- Talk to the other party's insurance adjuster without talking to your insurance agent first.
- Sign or agree to anything until talking with your attorney.