Understanding How Your Auto Insurance Works
Let Our Experienced Attorneys Protect Your Legal Rights with an Insurance Company
If you’ve never been in a motor vehicle accident before, you may have little or no understanding of how your auto insurance policy works. What must you do when you’ve been in an accident? What’s covered? How does the insurance company determine how much you’ll receive? It can be an extremely complicated process and you’re often at a significant disadvantage when working with insurance company officials. That’s why it’s always in your best interests to immediately contact an experienced personal injury attorney. Your lawyer can be your liaison and advocate with the insurance company, helping you deal with delays, denials or efforts to diminish your rightful recovery.
At Bailey & Galyen, we have protected the rights of people in Texas and throughout the United States for more than 35years, including clients who have been hurt in a motor vehicle accident. Over the past three and a half decades, we’ve built a solid reputation for providing aggressive, effective and compassionate legal counsel to people who have suffered serious injury because of someone else’s negligence. Because of our consistent approach, we have recovered millions of dollars in damages for our clients.
We understand that our clients are the key to our success and always seek to foster a strong attorney-client relationship. We’ll keep you involved and informed throughout the legal process, making certain you are up to date on all developments, and that you know where you stand, as well as your prospects for success. We also recognize the importance of speaking with your attorney when you have concerns, and work hard to be available and accessible when you need answers to your questions. We will respond to all e-mails and phone calls in a timely manner.
How Your Motor Vehicle Insurance Works
At its most basic level, auto insurance is about managing risk. Though you can minimize the likelihood of an accident by paying attention and using safe driving techniques, you can’t control the behavior of other drivers. When you purchase motor vehicle insurance, it’s essentially a legalized gamble that you will or won’t be involved in a car accident. The insurance companies conduct extensive research to determine the likelihood that you’ll be involved in an accident, based on your age, driving experience, driving record and other factors. The premium you pay is based on that research.
What happens once you’ve been involved in an accident varies from state to state, but is most affected by whether the state follows a “no-fault” approach. In states with a no-fault automobile insurance, when you have been hurt in an accident (or sustained property damage), you turn to your own insurance company to obtain coverage. The amount of benefits available is based on the provisions of your own insurance policy. In states that don’t have no-fault auto insurance, you must look to the at-fault driver’s insurer for coverage.
Once a claim has been filed, the insurer will typically assign an “adjuster” to the case. The adjuster is the person who determines the full extent of coverage. The adjuster may interview parties and witnesses, may inspect the vehicle, and will often obtain a number of quotes on repairs, as well as assessments on whether the damage is so significant as to require that your vehicle be totaled. The adjuster may also communicate with medical professionals to determine the extent of your injuries and identify what medical care is required.
It’s important to understand that you don’t simply have to accept an insurer’s decision regarding coverage or the amount of benefits payable. In fact, it’s usually in your best interests to have an experienced personal injury attorney acting on your behalf with insurance adjusters and other insurance company officials.
Contact Bailey & Galyen When You’ve Suffered a Serious Personal Injury
At Bailey & Galyen, we have helped clients get full and fair compensation after a car accident for more than 35 years. To schedule a meeting, contact our offices by e-mail or call us at 844-402-4530. Evening and weekend consultations can be arranged upon request. Home and hospital visits are also available, if necessary. There’s no charge for your initial interview. Se habla Espanol
We handle all ladder fall claims on a contingency basis. We won’t bill any attorney fees unless we get financial compensation for your losses.