How to Deal with My Own Insurance Company After a Car Accident

If you've been injured in a Dallas-Fort Worth car accident, you may find yourself in a situation where you have to make a claim against your own auto insurance policy. This might happen if you're using your Personal Injury Protection, Uninsured or Underinsured Motorist Coverage, if the driver responsible fled the crash scene, or if you caused the wreck. 

Handling insurance adjusters isn't always straightforward. Here are a few suggestions to help you recover the full and fair damages you deserve.

How to Deal with the Claims Adjuster

Unfortunately, most injury claims turn into a back and forth battle between you and your insurance adjuster.

Remember, insurance companies are in the business of making money, and the less they pay you the more they make. Even your own insurance company, who you've been paying for years, isn't always interested in paying you the full amount you deserve for your accident. 

Here are the most important tips concerning how to deal with  your claims adjuster: 

  • Read your policy carefully. You should know exactly what is covered under your policy (including additional optional coverage) and how to appeal a denial by your insurance company.
  • Be very careful filling out forms - even if you make an honest mistake your insurance company may seize on that as a reason to retroactively deny your coverage.
  • Do not cash a premium refund check. If your insurance company takes back your insurance, they may send you a refund for the premiums you paid. Cashing it may be interpreted as accepting their decision.
  • Put everything in writing. Calling your insurance company will most likely be a negative experience and you will not be able to prove anything that a company representative tells you over the phone. Remember that you are dealing with trained professionals whose job it is to deny claims on a daily basis.
  • Always keep records of all bills and correspondence.
  • Contact your state insurance department. Even though they will not represent you in a private matter, they may still be able to help you in some way. If all else fails, you may need to consult with an experienced DFW insurance claims attorney.
  • Never ever give up. Insurance companies count on you giving up. It is important that you fight for your rights.

Hopefully, your insurance company will treat you fairly – which they should if you’ve been diligently paying your premiums to them month after month for years. Unfortunately, lots of North Texas accident victims continue to experience problems. Their insurance companies deny, delay and refuse payments. The bottom line is insurance companies make money when they don't pay claims.