If you've used the services of a lawyer in the past, you're likely well aware of how expensive they can be. When making a simple Dallas auto insurance claim, you'll find that a lawyer will commonly charge you 33 per cent of the claim amount. As such, even if you end up extracting more in your claim by using a lawyer, you may end up with less money in your pocket due to commissions and charges. Consequently, settling your own claims, especially small ones, is a good idea.
Settling claims yourself is easier than most people think. First of all, it is always prudent to go through the conditions of your policy with a fine-tooth comb. If you are involved in an accident, you will be required to perform certain duties as part of your insurance, such as limiting the loss. If you fail to follow these conditions properly, this could count against you later, so knowing what your duties are is important.
In any accident, try to take pictures: ideally, as many as you can manage. These pictures should be of the scene of the accident, as well as of any injuries you or another party have sustained. In addition, it's a good idea to get the report from the investigating officer. This can be useful at a later stage if you aren't at fault.
Next, always make sure you see your doctor as soon as you can. Let him know of any injuries you have sustained, and any pain you think has resulted from the accident. Be thorough, and report any ailment, however small. When your doctor gives you instructions or appointments with other medical professionals, complete them all.
If you are contacted by your insurer, don't feel obliged to make any statements, even if they insist on it. This is not an obligation that you have to meet, and if you do make any statements these can be used against you further down the line, especially if they are not consistent.
When you feel you are ready, and you believe that there will be no additional expenses involved in the accident and aftermath of it, submit your claim. This should include a short introductory letter, the pictures you have taken, the officer’s report from the scene, and a medical report.
When it comes to how much to claim, there really is no set amount. Generally, it will be medical expenses added to any loss of income from injury, multiplied by three. If you are unsure, simply allow the insurer to present you with an offer and then use this as a starting point for negotiation. Please call La Familia Insurance at 1-888-751-7511 if you need help settling your claim.