Types of Auto Insurance Claims

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Insurance companies can be a nightmare to deal with when you need to place a claim. Whether you are the policyholder or placing the claim against the policyholder, either scenario has its own set of problems and red tape. Sometimes it’s just a matter of patience and numerous follow up phone calls, such as with a collision claim to get a minor fender bender repaired. However, there are at least three types of insurance claims that you should always consult with skilled legal help.

Auto Bodily Injury

If you have been injured in an accident that is not your fault, you should consult with an attorney skilled in personal injury suits. This would include any kind of vehicle: boat, motorcycle, RV, four-wheeler, bus, truck, public transit, or auto.

If you have been injured as a pedestrian who was hit by a vehicle, you should also consult with a personal injury attorney. In 2011, Houston and Dallas were rated #9 and #10 respectively in the most dangerous cities for pedestrians by Transportation for America.

Finally, an experienced law firm should always carefully handle any bodily injury claims stemming from an intoxicated driver. These injuries are also typically very debilitating and can affect the ability of the victim to work.

In all the above cases, many injuries are long term and might not even show up until weeks or months later. It’s unfortunate to hear of an accident victim settling for a few thousand dollars of emergency room bills only to find out years later the numerous health issues they have were related to the accident.

Uninsured or Under-Insured Motorists

If you or a family member has been injured in an accident involving someone who is uninsured, that can be a nightmare. In Texas, you can purchase Uninsured Motorists coverage, but sometimes the cost can be prohibitive.

If you don’t have this coverage but you find yourself a victim of a hit-and-run or a driver who has proven to have no insurance, trying to get them to pay your medical bills and damage is difficult under the best circumstances. It’s estimated by the Insurance Research Council that approximately 15% of Texans are uninsured.

Under-Insured drivers represent a large portion of the population who only purchase the minimum coverage that allows them to be legal on the road and not a penny more. While Texas increased their required minimum from $25,000 to $30,000 a few years ago, it’s still not much if your family of four was slammed into and everyone has severe or debilitating injuries.

Many times, victims of injuries stemming from accidents don’t know that they are entitled to more compensation than the insurance companies offer. For example, if you are injured to the point where you have to hire help to take care of your children, clean your house, and prepare meals, you are entitled to have that help paid for by the negligent party. There are many variables to personal injury claims that need careful research by a respected law firm to ensure you are fully compensated. Contact Zinda Law Group today to speak with a Dallas Personal Injury Attorney about your situation.