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What is the Role of Insurance Companies?

A person who is a victim of someone who was not covered by insurance must consult with a lawyer. Many times, people protect their own insurance company and say they had no insurance coverage when they really did. They will often say that a different person owned the vehicle and that the person didn’t have insurance.

In this case, perhaps, the person driving has insurance, but the vehicle he was driving when he caused the crash didn’t have insurance. Therefore, the person needs to pursue the driver and his personal insurance.

If no insurance on the responsible party exists, then hopefully the victim has uninsured or underinsured motorist coverage with his carrier. These days, especially in a city like Houston, everyone must have uninsured or underinsured motorist coverage. Unfortunately, a high percentage of the population drives around the city without liability insurance, which is required by law.

Unfortunately, many people are victims of auto wrecks involving stolen vehicles in Houston, Texas on a daily basis. In this situation, the uninsured motorist coverage helps, but the person still needs a lawyer to handle everything.

What Should A Person Do If An Insurance Company Calls Him?

If the person has already contacted a lawyer or retained the services of a lawyer, he must be very wary of insurance adjusters or insurance companies. More than likely, the insurance company already knows that the person has a lawyer. Therefore, they cannot be calling the person to try to help him.

I always advise my clients not to speak to insurance companies once they have hired a lawyer. Many times, insurance companies try to discourage people from hiring lawyers. After all, when the lawyer is involved, it costs the insurance company an appropriate amount of money during personal injury cases.

What Happens If The Other Person Does Not Have Insurance?

A lawyer would usually check for assets by doing an asset check. There are many ways of doing that, but they would want to look for properties or businesses that the responsible person might own so they can proceed with a lawsuit to take a judgment.

An easier route would be for a person to buy uninsured or underinsured motorist coverage, which would cover all of their damages including pain and suffering, and mental anguish when the other person was not covered by insurance or did not have insurance as required by law. This would be the more practical and smart way of handling that situation. 

A consumer should ask their insurance agent to give them a quote for that specific type of coverage because it is surprisingly affordable and they would be able to get all the coverage they might need.

For more information Insurance Companies, a free initial consultation is your next best step. Get the information and legal answers you’re seeking by calling 713-333–7025 today.

Texas Auto-Accident Handbook