Top Misconceptions About Car Accidents in San Antonio
Every year, people are seriously hurt in car accidents in San Antonio. These crashes result in extensive medical treatment and victims are often unable to return to work to pay those costs, as well as their daily expenses. The aftermath of any car accident is confusing and this is partly due to the fact that so many myths and misconceptions have arisen over the years regarding what happens after a crash and how obtaining compensation works. Below, our San Antonio car accident lawyer outlines some of the biggest myths, and the truths behind them.
The Insurance Company Will Take Care of Everything
It is not uncommon to think that the insurance company will take care of everything after a crash. An insurance adjuster may even visit you to assure you that they are there to help and will provide the full compensation to cover your medical expenses and lost income. This is not true. Insurance companies are in the business of making large profits and fair settlements keep them from doing this. In the coming weeks and months, the insurance company may question the severity of your injuries, or argue that they are pre-existing. They do this so they can offer the lowest settlement possible and keep their profits
All Drivers Have Insurance
All drivers in Texas are required to carry minimum amounts of auto insurance. The majority of drivers comply with this law. As such, it is natural to assume that if you are hurt you can simply file a claim with the negligent driver’s insurance company. Unfortunately, some drivers do not comply with the law, which makes obtaining compensation much more difficult. For this reason, it is recommended that all drivers purchase uninsured motorist (UM) coverage so they can obtain some compensation after a crash.
You Do Not Have to Call Police
You may think that you are not seriously injured and so, there is no need to report the crash to police. However, Texas law requires that you report any crash that results in serious injury, death, or extensive property damage. Your injuries may be worse than you initially think and so, it is critical to report the crash so you can stay compliant with the law. Additionally, reporting the crash to the police will result in an official report, which may indicate that the other driver was at-fault.
You Must Answer the Insurer’s Questions
An insurance adjuster may ask you many questions regarding the accident. Many people think they are required to answer these, but they are not. In fact, saying anything to the insurance company can hurt your claim, as the insurer will use your own words against you to show that you were to blame or you are not seriously injured. Only provide the insurance company with the basics and then do not make any more statements until you have spoken to an attorney.
You Do Not Need a Car Accident Lawyer in San Antonio
Even if you do not think you were seriously injured, or do not think it is worth filing a claim, it is critical to speak to a San Antonio car accident lawyer. At the Law Office of Israel Garcia, our experienced attorney can answer your questions and provide the sound legal advice you need. Call us today at 210-LAW-9999 or fill out our online form to schedule a consultation and to learn more.
Sources:
tdi.texas.gov/pubs/consumer/cb020.html
statutes.capitol.texas.gov/Docs/TN/htm/TN.550.htm
