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Texas Auto Insurance Claim Payout Process

In the state of Texas, every motorist is required to have adequate auto insurance, so that he or she can fulfill the required financial responsibility on the roads. The process of being paid by an auto insurance company in Texas – in the event of an accident is covered in this article.

Texas auto insurance – an at-fault state

Every driver on Texas roads should be aware of the ways his auto insurance claims pay in the event of an accident. If you sustained injuries as a result of someone else’s negligence, then you have the right to be compensated for your damages. In Texas the at-fault driver in an auto accident has to pay for your medical treatments and other damages so that you are not hurt financially and physically because of the accident.

In the event that the driver does not have adequate Texas auto insurance, then you will have to sue him for your damages. In case he has auto insurance you (or your attorney) have to work with a claims adjuster employed by his insurance company, towards getting a settlement.

Every auto insurance adjuster evaluates an injury claim on the basis of the company’s procedures. There are some general evaluation criteria too, which are taken into account when determining how much money the injured party should receive as claim.

Auto insurance adjuster – claim factors

There are many claim factors taken into account when an auto insurance adjuster is reviewing an auto accident claim, including:

The auto accident facts

The adjuster will verify and investigate the entire incident. The auto accident, how it happened, where, who all were involved, at what speed, were any laws broken, when did the police come, etc., will be found out and made a note of by the adjuster for the auto insurance company.

Who is at fault

Liability is another parameter. The claims adjusters have to judge a claim for fault before they offer any settlement. In case it is clear that one party is liable for the incident, then there is no room for speculation.

However, if the auto accident is one where it is difficult to determine who was responsible, then third parties need to get involved. Auto insurance reconstruction experts are called in to study the accident scene. These experts then follow their investigative and analytical process to determine how the accident happened and who was more at fault. In many cases, both parties have been declared to have been found guilty.

Evaluation of the injuries caused

The adjuster will also need to know the details of your injuries so that he may determine how injured you really are. They look through the reports very closely as they want to avoid fraudulent claims. The regular documents you will need to provide them with are a medical report from your physician with a diagnosis and a prognosis for your recovery.

The calculation of expenses occurred

The auto insurance adjuster will need to know the money you paid on medical bills as a result of the auto accident. The amount of money you lost as wages, while you were recuperating; and other expenses that may have occurred. So, to get claim settlement, be ready to supply the adjuster with copies of medical bills and statements, wage stubs, receipts for medicines and other expenses. Submit any payments you made to deal with damage to your property (unless you have insurance to pay for it). Usually, to determine the property liability, they will see the damage done to your car and estimate the amount it will take to repair it.

At fault Texas auto insurance

After all this information has been collected and processed, the adjuster will make an offer under the limits of the at-fault driver’s auto insurance. Texas insurance companies follow different formulas to calculate claims, and it is advised that you hire an attorney to negotiate your claims.

The writer is associated with InTexasAutoInsurance, the leading auto insurance comparison portal, serving the residents of Texas. Auto Insurance comparison quotes from leading insurers like Geico, All-State, Nationwide, AAA and more are available at the site.