How Do Insurance Companies Work to Deny Texas City Accident Claims?

Insurance companies work to deny Texas City car accident claims by taking actions to disprove claims, often denying they are responsible for the policyholder’s actions or claiming the victim was at fault. Insurance companies are for-profit companies, and it is in their best interest to deny claims to reduce losses. A Texas City personal injury lawyer can assist with your case.

Methods for Denying Insurance Claims in a Texas City Accident

There are several common ways insurance companies deny Texas City accident claims. Note that they will not tell you they are taking such actions, but if you do not know how to protect yourself in these cases, it may hurt you later. Examples of how they deny claims include:

• Delays: Long delays in addressing your case may push your claim window beyond the 2-year statute of limitations in Texas. If you do not file a lawsuit within two years of the onset of your injury, you lose the ability to file a claim and recover damages.
• Requiring additional information: Some insurance adjusters will require extensive amounts of proof of your injuries and losses. They may make unfair demands for medical records or employment documentation.
• Pre-existing condition claims: Some insurance companies will try to minimize their responsibility to pay for losses by stating that you had pre-existing conditions that caused the accident or worsened your injuries, rather than the actions of the at-fault party.
• Push you to settle fast: An alternative step the insurance company may take is to provide you with a proposed settlement, but limit how long you can act on it. They may say that you only have 24 hours to agree, or they may pressure you with frequent calls to settle. This often indicates that the insurance company knows your case is worth more and wants to settle early for less than they owe you.
• Disputes of your medical treatment: The insurance company may claim that the medical treatment you sought was not necessary or not in line with routine medical care in an accident case like yours. Disputes over medical treatment may include where you got care or who provided your care to you, as well.
• Misinterpret policy language: The insurance company may misinterpret the language of your policy that governs your coverage. Because of the complex legal details in most policies, insurance companies can twist the meaning of the causes there to make you believe you cannot seek compensation or to reduce your compensation.
• Tell you not to speak to an attorney: Insurance companies want to settle for less, and by encouraging you to settle your case with them, without an attorney, they may be able to do that. Attorneys often maximize claims, pushing them beyond what an individual would claim on their own. Insurance companies may tell you not to speak to an attorney to protect your rights.

In every situation, insurance companies may seem very nice and friendly. They want to be helpful. Yet their goal is to minimize the compensation they pay you.

The only way to limit this risk is to hire a Texas City car accident lawyer to work directly with you on your case. That limits the abuses insurance companies can commit and protects your right to fair compensation. Avoid delays in communicating with your attorney.