First Party Insurance Claims in Houston

Houston Car Accident Attorney

If you have been involved in a car crash it is important to understand the claims process commonly used to pursue compensation for injuries and losses sustained. A first party claim is a claim made with your insurance provider in an attempt to recover damages that resulted from the collision. In this process, you work with either your agent or a claims adjuster from the insurance company to file a claim. Depending on your policy, you may be able to seek compensation for the physical damage your car sustained in the accident under the collision section of the policy, and/or for injuries suffered by you and your family under the medical payments section of your policy.

Can I file a claim for my accident?

Typically, an insurance policy can be used to claim compensation for a car accident in the following situations:

• The owner of the policy was not at fault for the collision
• No one was at fault for the collision
• The driver at fault is unable to cover the costs of repair for the policy owner's vehicle
• The driver at fault cannot be found, such as in a hit-and-run

If you sustained personal or property damage in an accident that involved one of the above situations, you can seek to have your expenses covered by your insurance company through a first party claim. Your insurance company will evaluate the information provided in your claim and may send a claims adjustor to observe the damage to your vehicle. Your insurance provider may approve your claim in full or offer a lower settlement to help cover your costs.

Why do I need an attorney for my claim?

After your family has been injured and your vehicle damaged in an accident, you may be anxious to obtain the compensation you need to pick up the pieces. It is important to understand, however, that filing a claim is a complicated process that can have serious implications upon your ability to recover and move on. Unfortunately, faithfully making your insurance payments does not mean your insurance provider will pay your claim in full. Your insurer is a business that is seeking to increase their profits, which in some cases means they will do whatever they can to reduce the amount of settlements paid or deny a policy holder's claim altogether.

By working with a skilled Houston car accident attorney, you can be sure your claim will be properly filed and that you will not be taken advantage of by your insurance company. Our team at Wyly & Cook, LLP has extensive experience in representing clients who have suffered injuries and sustained losses in motor vehicle accidents, and we can provide the smart legal counsel and effective advocacy you need and deserve. We can thoroughly assess the circumstances that led to your accident to build a comprehensive claim to help you seek the maximum amount of compensation, and you can be confident that we will tirelessly promote your best interests. Our firm is dedicated to providing the caring, knowledgeable, and skilled representation the people of Texas need after car crashes, and we would be proud to assist you. Contact our offices at your earliest convenience to learn how we can help in your unique circumstances.