Metlife Car Accident Claims Injury Lawyer In Dallas
After a car accident, it is common for insurance companies to approach injured people and discuss possible compensation. Even though it may seem like they are on the side of the injured party, in actuality a Metlife car insurance agent’s job is to have their company pay as little as possible. This means that their interests are directly opposed to the interests of the injured person.
Most injured people are not experts in insurance law or the claims process. This puts them at a distinct disadvantage when negotiating with insurance agents and opposing attorneys. At our firm, a Dallas car accident law firm, , our Metlife car accident claims injury attorneys work to boost your claim and preserve your right to the compensation you and your family need to recover from this turmoil. Instead of trying to haggle with insurance agents while juggling changing schedules and handling a difficult and tumultuous recovery process, let our trained attorneys represent you and work toward a significant compensation package.
How I Can Help My Claim
There are several steps you can take to improve your claim’s viability. One of the most important times to collect evidence is directly after your accident. At the scene, if you are physically able to do so, it is best to start cataloging the evidence that supports your claim.
Gathering Evidence at the Scene
Photos of the accident scene and video recordings from nearby traffic or surveillance cameras are important to document the extent of the damage caused by the accident. They also help accident reconstructionists develop a model for how the wreck occurred, which can help prove fault on the part of the opposing driver. Other kinds of evidence you should gather include eyewitness contact information, a copy of the police report, any medical records to document your injuries, etc.
Discussing My Claim With Metlife Insurance Agents
Metlife agents probably will contact you shortly after your accident. You do not have to speak to them and it is best not to do so until you have discussed matters with your lawyer. However, if you do decide to talk to insurance adjusters or agents, remember that they are not on your side. The following tips are helpful.
- Always tell the truth.
- Do not admit fault for the accident.
- Say as little as possible.
- If uncomfortable, tell them you need to speak to your attorney.
The things you say may be recorded by Metlife and may be used by the insurance company to lower the value of your claim. Get in touch with our experienced Metlife car accident claims injury lawyers to ensure that you have the resources to counteract their tactics.
When I Have Metlife Insurance
In some situations, you may be dealing with Metlife as the policyholder. This is the case when the opposing driver does not have insurance or they flee the scene of the accident. Essentially, you will need to use your own policy’s Uninsured/Underinsured Motorist Coverage (UM/UIM) to get compensation.
The Mandatory UM/UIM Requirement
Uninsured/Underinsured Motorist Coverage must be offered to you, according to Texas Insurance Code §1952.101. Even if you do not remember “signing up” for such coverage, it is required to be included in your policy.
Opting Out of UM/UIM Coverage
Though not recommended, it is possible to circumvent the UM/UIM requirement. Though it must be offered to you when you sign up for a policy, you are legally allowed to opt out of the coverage in writing. If you did not opt out in writing, you still have that coverage. If you did opt out in writing, then you may be unable to recover any compensation when the opposing driver flees or has no insurance.
Regardless of the specifics of your claim, it is important to remember that the goal of any insurance company is to pay as little as possible when they are required to compensate you. Otherwise, their entire business model would collapse. By getting an attorney to represent you, you can help ensure that the compensation you receive is appropriate and fair.
How to Get My FREE Consultation
If you are injured in an accident that involves a Metlife insurance policy, make sure to speak to our firm, a Dallas car accident law firm, as soon as possible. We have dealt with these policies and have handled well-resourced insurance companies before, and we know how to build a strong case for significant compensation.
We provide all our clients with a 100% FREE consultation to discuss the viability of each claim, and we do not collect a fee unless we win you the compensation you deserve. To get in touch with us, simply fill out the form on our contact page or call us today at (214) 305-8277.