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The Texas Auto Insurance Claim Process

In the state of Texas, every motorist is required to have adequate auto insurance, so that he can fulfill his 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.

Every driver on Texas roads should be aware of the ways his 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. The at-fault driver in an 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 insurance, then you will have to sue him for your damages. In case he has insurance you (or your attorney) have to work with a claims adjuster employed by his insurance company, towards getting a settlement.

Every adjuster with an insurance company 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

The accident facts: The adjuster will verify and investigate the entire incident. The 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 adjusters of 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 accident is one where it is difficult to determine who was responsible, then third parties need to get involved. 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 determines 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 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.

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 insurance comparison portal, serving the residents of Texas. Auto Insurance quotes from leading insurers are available at the site.