What Should I Know About Claims Against State Farm?
Dealing with State Farm in an insurance claim? Here's what you should know: State Farm is widely regarded in the legal profession as one of the more stubborn insurance carriers to deal with. They have their own in-house legal counsel (unlike a lot of insurance carriers that outsource). So they're often willing to force cases,...
Texas Car Crash Statistics 2014
Texas car accident statistics: The Texas Department of Transportation (TxDOT) provided the following statistics about automobile accidents in the State of Texas. These statistics provide a summary of motor vehicle accidents in Texas for the year 2013. As these statistics make clear, Texas is a truly dangerous place to live and to drive. Serious car...
How Do Car Accidents Resulting in a Fatality Work?
Fatalities: Car Accidents and Lost Loved Ones Few people will drive their entire adult lives without getting into at least a scrape or two with another car. Such minor accidents are sort of an expected reality, but no one ever truly expects a car accident to claim the life of a loved one. The shock...
Can I Settle and Then Sue the Defendant?
Settling with the insurance company following a fatal car wreck can have instant appeal but long term consequences. Here's what you need to know: Many people who have lost a loved one in a fatal car accident case soon find themselves contemplating an important question: Should I accept a settlement from the offending driver's car...
How Do I Know If I’m Settling My Car Accident Claim Prematurely?
Following a fatal accident, be careful not to settle prematurely. Losing a loved one in a fatal accident should result in financial restitution from the wrongdoer. The problem is that many people who've lost a loved one under such circumstances settle with the defendant's insurance carrier, not knowing that they also just released the defendant...
Should I Give Medical Records to an Insurance Company?
Why you should NEVER send your medical bills to the insurance company after a car accident: If another driver injures you, his insurance company might ask you for your medical records related to the accident. While it may seem perfectly innocuous, even necessary to provide these documents to the insurance carrier, do not. You see,...
What Should I Know About Pursuing a Claim Against Fred Loya Insurance?
Frankly, Fred Loya is a very odd insurance carrier to deal with. Our attorneys explain why: Anytime you have to deal with an insurance carrier, it's a complex issue. It might seem straightforward, but these insurance companies stack the desk in their favor. The same is true with companies like Fred Loya Insurance. We're familiar...
How Do Insurance Adjusters Really Work?
It's important to know the role of the car accident insurance claims adjuster. People often assume that the best thing to do after they've been involved in a car accident it to file a claim with the other driver's insurance carrier and play nice with the claims adjusters. That may not be the case. In...
5 Things You Need to Know About Insurance Adjusters
Five things you need to know about car insurance adjusters: Contrary to popular thought, dealing with an insurance adjuster is not like dealing with a customer service representative. When you forgo filing a lawsuit and opt to handle your matter administratively, you have essentially opted into playing the insurance adjuster's game on the adjuster's turf....
What Not to Say to an Adjuster
Everything you say to an insurance adjuster after your car accident can and will be used against you: It's very common for us to get calls from people who've spent a few months trying to get an adjuster to pay their claims. It might be the other driver's adjuster, or even their UM/UIM/PIP adjuster, but...
Do I Need an Attorney for a Recorded Statement?
Recorded statements are a tactic used by insurance carriers to hurt your car accident case. Don't fall for it: Simply put, recorded statements are a trick devised by insurance companies to harm your case. There is no reason, unless you want to secure a strategic advantage for the insurance carrier, that you should be inclined...
How Do Car Accident Settlements Work?
How do car accident settlements work? An overview: We've all seen courtroom dramas on TV and in the movies, and while we've tried our share of cases, it's no secret that most car accident cases "settle" before trial. We'll discuss why this is below and how this can actually be advantageous to you. Without knowing...
What Makes Insurance Carriers Want to Settle?
Here's what makes an insurance company settle your car accident claim: Contrary to popular belief, a settlement is not something that happens automatically simply because you were in a car accident. In order to obtain a settlement in a car accident, the defendant must have some motivating factor to settle. This can happen in two...
Are Insurance Carriers Required to Pay Medical Bills?
Insurance carriers are not required to pay for your medical bills automatically. Let's see how this works: There is nothing in Texas law requiring an car insurance provider to pay for your medical bills after a car accident. If you've been injured in a car accident that was caused by another driver's negligent operation of...
What Do I Do If an Insurance Company Denies My Car Accident Claim?
Has your car accident injury claim been denied? Our attorneys can fight for you: In most cases, people do not look for an attorney until after their insurance claim is denied. This is never the ideal situation, as it's always better to have an attorney on board from the get-go. Nevertheless, we can likely help....
What Does Personal Injury Protection Insurance (PIP) Cover?
Most motorists have PIP coverage, but far too many don't understand it. Here's how it works: After a car accident, you've got more options than simply suing the other driver. You may also be able to recover money from your own insurance carrier. One common type of insurance coverage you may have is known as...
Does The Insurance Policy “Follow” The Car or The Driver?
Does car insurance "follow" the car or the driver? A new answer to the oldest question in the book. Imagine you've just been injured in a car accident. The at-fault driver informs you that he does not have insurance personally, but the owner of the car (which he borrowed) does. Under Texas law, will your...
What is the Difference Between Property Damage and Injury Claims
If an insurance carrier accepts liability for a property damage claim, do I need an attorney for my injuries? Many of our personal injury clients at Grossman Law Offices are surprised to learn that when an insurance carrier accepts liability for their property damage claim in their car accident case, they aren't accepting liability for...
What Is the Unavoidable Accident Defense?
Insurance company lawyers often argue that yours was an "unavoidable car accident." Here's how that works: As we've discussed in other articles, insurance companies are notorious for misusing certain defenses in their efforts to avoid fairly compensating car accident victims. One particularly heinous defense tactic is called the "unavoidable accident" defense. Questions Answered in This...
How Does the Law Work When the Injured Plaintiff is Also Partially At Fault?
Insurance companies love to blame victims for their own injuries using the "comparative fault defense" In the early days of personal injury law, if you sued someone for hurting you and they could convince the jury that you were also negligent, the jury would forgive the person who hurt you of their negligence, and you'd...