Travelers Car Accident Claims Injury Lawyer In Dallas
When you are injured in a car accident, the last thing you want to do is spend time in endless negotiations with attorneys or insurance adjusters who seek to lower your compensation package. Insurance giants like Travelers cover lots of drivers, but their business model mandates paying as little as possible when policies are activated.
It is best not to talk to insurance agents until after you have discussed matters with your attorney, if at all. At Dallas Car Accident Lawyers, our attorneys have worked with clients by handling claims for Travelers, Geico, Allstate, and other leading insurance providers. We understand the tricks they use, including offering quick initial payouts to avoid paying for injuries that are evidenced later on in your life. With our help, you can build a strong argument for the compensation you need and combat these entities in court if necessary.
How I Should Speak with Travelers Insurance Agents
Insurance agents may appear cordial and may be good people, but their job is directly opposed to your best interests. Their objective is to negotiate a compensation package that will cost their company as little as possible. It is important to keep that in mind, as well as the following tips, if you do end up speaking with these agents on your own.
Honesty is crucial when discussing aspects of your case. Never lie or say something merely to appease the insurance agent. However, keep the second tip in mind as well.
Say as Little as Possible
If you can, stay mum. Answer questions as succinctly as you can while not lying, using yes or no answers. Chances are good that your conversation will be recorded, and anything you say may be used by the insurance company or their attorneys to lower your compensation.
Refer to Your Attorney
If at any point you feel uncomfortable or unsure how to answer, do not make up an answer. Simply tell the insurance agent that you’d rather discuss their question with your attorney first to make sure you understand it. Remember: you are not required to talk to them and can end the call at any time.
My Uninsured and Underinsured Motorist Coverage
In some cases, you may have the Travelers insurance policy in an accident in which the opposing driver either fled or does not have liability coverage. Though such coverage is required, unfortunately some drivers decide to disobey the law and operate vehicles without liability insurance. In those cases, you may be able to get compensation from your own Uninsured or Underinsured Motorist Coverage (UM/UIM).
UM/UIM Coverage is mandated by Texas Insurance Code §1952.101. In other words, your Travelers insurance provider must offer this to you as part of your policy. You can opt out of this coverage, but only if you do so in writing. This process can be complex, and you may not be entitled to a payout that truly matches what your injuries are worth, so it is best to seek help from an experienced Travelers insurance car accident claims attorney who has worked on these types of cases before.
The Heart of My Claim
At the center of every personal injury claim are two topics: damages and fault. Your damages are the harms for which you seek to be compensated. They come in two primary forms: economic and non-economic.
Harms that have direct consequences for your finances are called economic harms. They include items like lost wages, lost earning capacity, medical bills, the cost of replacing your vehicle, and similar issues. Many of these kinds of damages come with bills, receipts, or some other monetary valuation already attached to them. You are limited to recovering a maximum of the actual amount you were billed for these damages by Texas Civil Practice and Remedies Code §41.0105.
Other forms of harm are considered non-economic. More subjective in nature, they include damages like your physical pain, mental suffering, loss of enjoyment in life, and the like. There is no cap on the amount of compensation you can receive for these harms.
Fault and My Compensation
Importantly, Texas allows you to recover compensation even if you share some of the blame for your accident. In a system of proportionate responsibility like that used by Texas, your percentage of blame directly reduces your compensation. For example, if you are found to be 10% at fault, your overall compensation will be reduced by 10% as well. The other driver’s Travelers insurance policy, therefore, will pay out a maximum of 90% of the value of your damages.
Finding evidence of your damages and reducing the amount of fault attributed to you is vital to getting you the compensation you deserve. Our skilled Travelers auto insurance claims attorneys can work to do just that.
I Can Get Help from Travelers Accident Claim Lawyers Today
If you are injured in an accident and need to pursue compensation from a Travelers auto insurance policy, Dallas Car Accident Lawyers can help. Our knowledgeable and compassionate attorneys offer a FREE consultation to discuss the details of your claim and do not collect a fee unless we win you the compensation that justice demands.
Schedule your visit with our attorneys today by calling (214) 305-8277 or by filling out the form on our contact page. Our representatives will be in touch as soon as possible to begin working toward a significant recovery for you and your family.
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