How to Make the Most Out of Your Car Accident Injury Claim

Visit an auto accident doctor to get the maximum from insurance claim

Being involved in a car accident is scary and confusing. If you have recently been involved in a car accident, hopefully, you have already been seen by an auto accident doctor. Once you’re back in health, you may be wondering how to settle vehicle damage or injury claim against the at-fault driver. The goal is to heal and move on with your life with as little disruption as possible.

Here are some tips to help you make the most out of your car accident injury claim.

Gather and Organize Information

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Although the car accident may not be your fault, you will typically work directly with both – you and the other driver’s insurance company to settle your claim for damages.

Data shows that 95 percent of car accident injury claims are settled before going to trial. Gathering information beginning with the scene of the actual accident is vital for a successful settlement.

“You need complete documentation of your injuries to file an insurance claim after a car accident.”

Gather and organize the following information for easy reference throughout the claim process:

  • Contact info for the other driver(s)
  • Name and policy numbers for other driver insurance companies
  • Contact information for any witnesses to the accident
  • A record of law enforcement officers at the scene
  • Police reports
  • Documentation of injury from your personal injury doctors Houston

If you are able, take photographs of the accident scene before it is cleared. The following photos could prove to be critical in winning your case:

  • vehicle locations
  • actual damage areas on each vehicle
  • license plates of each involved vehicle
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Insurance companies will require a substantial amount of information throughout the claim and will likely be challenging to work. Insurance companies do not take sides.

In fact, they are working to minimize the amount that they will have to pay out for the claim. Insurance companies will attempt to mitigate their responsibility by arguing that the accident was fully or partially your fault. They will also assert that you didn’t provide sufficient documentation to support your claims of loss. This is why you need detailed records.

Understand Types of Damages

When filing a claim for property damage, you should collect:

  • cost of vehicle damage
  • personal property damage including damaged personal items in the vehicle
  • rental car costs for the repair period
  • any out-of-pocket expenses for transportation, childcare, etc. that result from the accident

The insurance company will only address expenses that you have documented and submitted to them.

When filing a claim for personal injury, the process becomes more complicated, and an auto injury doctor is necessary to assess, document, and follow up on evaluations and paperwork required for the claim.

What If I Am Injured?

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Unfortunately, many car accidents are more serious than just a “fender bender.” Car accident injuries are common and can result in significant pain and suffering.

In addition to physical damages, you may claim reimbursement of medical expenses and lost wages. Compensation for your mental and physical pain and suffering stemming from the accident may also be in order.

“When making the insurance claim, you may claim reimbursement of medical expenses and lost wages as well.”

Even if you have a primary care doctor, you should reach out to a car accident doctor Houston. They specialize in car accident injuries, and consulting them is a wise choice.

Benefits of Auto Injury Doctors

  • Specialize in injuries commonly caused by car accidents
  • Belong to a network of specialists who can help with the claim process
  • Will document according to insurance company best practices

So, insurance companies will want you to agree to a quick settlement for the medical expenses you incurred up to that point.

Contact Auto Accident Doctor at CityWide Accident & Injury, Houston to Make the Most of Your Insurance Claim

Your auto accident doctor in Houston will help you to anticipate any ongoing medical treatment you will need in the future and add that to the claim. Victims who enter into a quick settlement with the insurance company often discover that they require additional medical treatment that will not be covered after the settlement. Call us at 713-782-0082 to schedule an appointment.

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How to Make the Most Out of Your Car Accident Injury Claim / City Wide Injury & Accident – Houston, TX

How Much Car Insurance Coverage Do I Need

Meet an auto accident doctor for insurance coverage

After meeting an auto accident doctor to treat you of any injuries, it is time to take charge of your paperwork, including your car insurance.

Be ahead of the curve by having the required insurance coverage minimums. You will want to make sure both you and your vehicle are covered in the event of an auto accident. Here, insurance will allow you to have the funds necessary to cover any repairs, damages, or medical care associated with your auto accident.

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Why Do You Need Car Insurance Coverage?

Most states require that drivers carry an auto insurance.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

For example, if you’re hit by someone without car insurance, you’ll be at the mercy of the person who hits you. It will be their responsibility to cover any damages incurred to your vehicle.

Also, they will look after any associated medical care costs to see an auto accident doctor. Surprisingly, most drivers don’t have enough funds to adequately cover this. So, this is where having auto insurance comes into play.

“Almost every state requires that drivers carry an auto insurance.”

Having automobile insurance provides both parties with some padding when it comes to a car accident.

Auto insurance also allows coverage of damages for a person who’s hit in a car accident. 

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

This can be in terms of vehicle damage or bodily injury. The person at fault for causing the collision (or their insurance) is also liable for paying the aforementioned damages.

Most insurances also cover damages to vehicles such as vandalism and theft. Each policy has specific terms and conditions so check to see if your specific policy covers this. Besides, your insurance may also cover rental vehicles, while any damages are repaired.

How Do I Know What I Need to Obtain Car Insurance?

Subsequently, most states require specific minimums in regards to auto insurance. The state laws where you reside determines the insurance minimums. So, what you need in California may not be the same in Texas.

Texas law requires you to have liability coverage if you own a vehicle.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

However, if you don’t already have a vehicle, your insurance lender will require that you have full coverage insurance. It includes collision and comprehensive coverage.

Authorities may ask you to show proof of auto insurance in the following events:

  • Annual auto inspections/vehicle registrations
  • To renew your driver’s license
  • To purchase a vehicle
  • If cops ask you to pull over
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In the case of a car accident injury or when visiting the auto accident doctor make sure you have your insurance details before you consult any legal counsel.

“Make sure to get insurance details when meeting a car accident doctor.”

How Much Insurance Coverage Do You Need?

Auto insurance cost is based not only on the state that you live in, but other specifics like the vehicle, the driver’s age, average commute times, driver history, previous claim history, credit, gender, and even their marital status. So, the more accidents you have on your record, the more your coverage will be.

In Texas, minimum coverage must include:

  • $30,000 in bodily injury coverage per person
  • $60,000 in bodily injury coverage total per incident
  • $25,000 in property damage coverage per incident

This basic coverage is known as “30/60/25”. You can also purchase more insurance than the state minimum requirements.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

This will protect you if you are in a car accident in Houston that involves major damages, catastrophic injuries, or multiple vehicles. An inspection by an auto accident doctor can help to make proper claims.

Costs in access of what your policy covers will go to the at-fault driver. In order to protect your personal assets, you should purchase more than just the minimum coverages.

The exact cost of your insurance plan depends on the coverage you choose, the personal driver details, and if payment will be in full or monthly. Different companies will offer different rates, so shop around before locking into any plans.

Your insurance plan may offer discounts depending on various things. They include certain employer or association affiliations, for drivers who have taken defensive driving courses, student discounts for those with good grades. Call them directly to ask them about it.

Types of Auto Insurance

There are several different types of auto insurance. Each one serves its own particular function depending on the type of damage and persons affected. The most common types of coverage are:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection (PIP)
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

What Can Happen if I Don’t Have Insurance?

As you can assume, not having car insurance is a big risk, especially if it’s mandatory in your state. Interestingly, as per The Balance, between 20 and 25 percent of Texas drivers don’t own auto insurance.

In Texas alone, if you drive without car insurance, you may be fined with surcharges applied or even have your license revoked.

With each subsequent time that you are caught, the fine increases. Hence, the risk is obviously not worth the chance you’d be taking.

“Driving without a car insurance attracts fines in Texas.”

If you’re searching for rates on new auto insurance policies, use an online calculator that will pick the best coverage for your needs and where you live. You can expect to pay more if you live in a heavily populated city. However, the cost of insurance is nothing in comparison to paying out of pocket for a whole new vehicle, whether it is your vehicle or someone’s vehicle that you’ve hit.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

Make sure both you and anyone driving your vehicle have an auto insurance coverage.

Most importantly, if you get into an accident, take medical care from an auto accident doctor that specializes in auto accidents.

Having auto insurance is the best way to protect your precious investment so that it’ll hold value longer.

Citywide Injury & Accident is the Best Auto Accident Doctor Providing Accurate Medical Reports in Houston

If you need comprehensive reports for claiming your auto insurance coverage after an accident, get in touch with the best auto accident doctor. Make an appointment with Citywide Injury & accident by calling us at 713-782-0082.

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How Much Car Insurance Coverage Do I Need?|City Wide Injury & Accident – Houston, TX