Texas Farm Bureau Insurance Car Accident Claims Injury Lawyer In Dallas
According to their data, Texas Farm Bureau Insurance provides personal auto insurance to over 1,000,000 Texans. Chances are good that an opposing driver may have Texas Farm Bureau Insurance if you are in an accident. As with any insurance provider, however, it is important to remember that agents for the company have one primary goal: to make sure that their company pays you as little as possible. Due to the fact that these agents can be aggressive and tricky, such as offering a settlement at the start of the claim that is far lower than the value of your injuries, and because these companies have significant resources behind them, it is best to get help from an experienced attorney when seeking compensation.
If you are injured in a car wreck in Dallas, the last thing you want to do is haggle with insurance agents. You may have changing schedules, doctors’ visits, possible surgery dates, and a long recovery process to occupy your time. Instead of dealing with the hassle and stress, seek the services of Pintas & Mullins, a Dallas car accident law firm, and our knowledgeable Texas Farm Bureau Insurance car accident claims attorneys.
How I Should Speak with Insurance Agents
Before talking to any insurance agent, it is imperative that you get counsel from attorneys who have dealt with these kinds of car accident claims. They can give you tips on what to say, which topics to avoid, and how to deal with any tricks that are used by insurance agents. When it comes time to talk to a representative of Texas Farm Bureau Insurance, make sure that you abide by the following general guidelines.
Do Not Over-Elaborate
Say as little as possible when discussing your claim and car accident. While it is important to get some information in the record that will help your position, adding needless details simply gives agents more of your words to use against you, potentially. Try to keep your answers to simple yeses or noes when possible.
Make sure all of your answers are truthful. Making false statements may nullify your claim or drastically reduce the amount that you recover. If you do not want to answer a question or are unsure about the answer, do not make up an answer on the spot. Simply say that you are uncomfortable discussing that issue without a lawyer present.
Never Admit Fault
Insurance companies will try to reduce the amount of blame placed on their client by getting you to admit fault for the accident that led to your injury. Do not apologize or otherwise give the impression of guilt when talking to insurance agents. Remember: even if you believe you did something that contributed to the accident, fault is a legal term that should be decided by the court. Never make it easier for insurance agents to deny your claim by admitting responsibility for your injury.
When My Insurance Is Texas Farm Bureau Insurance
In some situations, such as hit-and-run collisions, you may have to deal with your own insurance policy. This is also true when the driver who hit your vehicle does not have insurance. These cases usually are covered under your policy’s Uninsured/Underinsured Motorist Coverage (UM/UIM).
The Legal Requirement
Throughout Texas, it is required by law for your insurance provider to offer UM/UIM when you sign your contract. This requirement can be found in Texas Insurance Code §1952.101. UM/UIM is designed to help you by providing compensation when the other driver’s insurance policy is inadequate or non-existent.
There is one caveat to having UM/UIM. Though it is illegal for your insurance provider to fail to offer you coverage, it is possible for you to opt out of it. Opting out of UM/UIM is only valid if it is done in writing. If there is no record of you opting out in writing, you probably have UM/UIM coverage.
For any questions about the complex nature of UM/UIM and navigating talks with your own Texas Farm Bureau Insurance agent, speak with our skilled attorneys. They may be able to read through your policy and explain important elements to you.
I Can Speak with Car Accident Injury Claims Lawyers for FREE
Having worked with numerous injured clients in the past, Pintas & Mullins, a Dallas car accident law firm, understands the financial hardship that comes after a serious injury. We believe that the lack of a stable financial situation should not preclude an injured person from getting justice. That is why we offer a FREE consultation to discuss the merits of your claim and do not collect a fee unless we win you the compensation you and your family need to move on with your life.
To schedule your consultation and start working toward a significant payout, fill out the form on our contact page or call us today at (214) 305-8277.