Claims fileThis is the second post in our series on the handling of car accident cases in Fort Worth, Texas. Our last article provided an overview of the topics which this series will be addressing. We also stressed the need to contact a personal injury lawyer immediately after you have been in an accident. It is imperative that you retain counsel as soon as possible to ensure that your rights will remain protected. In this article we will discuss how to deal with insurance companies after an automobile accident. If you find yourself in such a situation then contact an attorney.

It is important to note that the first step you should take after an accident is to seek medical treatment in order to determine the extent of your injuries. This is crucial because there is a possibility that injuries, which may seem minor at the time of the accident, will worsen over time.

It is also imperative that you contact a lawyer right away. The reason for this is that insurance companies will typically attempt to contact a victim shortly after an accident. Their primary goal is to urge the victim to agree to a settlement before he or she has a chance to retain counsel. The issue with this tactic is that a victim may be left uncompensated for the cost of future medical care and for future lost wages; it is common for an injury victim to require extensive rehabilitation, surgeries, and medication. Unfortunately, the amount of money offered by an immediate settlement will not take into account any of these future expenses or the pain and suffering you are currently experiencing.

The best course of action is to contact a personal injury lawyer who can advise you on the proper steps to take. If you have already been contacted by an insurance company, but have not yet agreed to a settlement, it is not too late to speak with an attorney. Once you have retained representation, the insurance company will then have to speak directly to your counsel. Your lawyer will speak with your medical providers to ascertain the extent of your current damages. A medical expert may be obtained to further expound on your prognosis. This expert will then generate a report, including an estimate of what the cost of your future medical treatment. A vocational expert may also be retained. This individual will calculate what your future earning potential may be and what it would have been had the accident not occurred.

All of this information will be utilized by counsel for the purpose of drafting a demand letter to be sent to the insurance company. This letter will urge the company to settle for a certain amount and will include proof of your injuries and evidence of the defendant’s liability. If a suitable settlement cannot be reached, then a lawsuit will be filed against the defendant.

We cannot stress enough the importance of refraining from reaching a settlement with the insurance company on your own. Retaining an attorney will ensure that you are not only protected in the present, but also in the future. If you have been involved in a Fort Worth car accident, contact counsel immediately to schedule an initial consultation. The concepts discussed above apply whether you were injured in Fort Worth, Dallas, or elsewhere in Texas.