Auto Insurance used in Car Accident and Injury Claims

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Types of Insurance used in Automobile Claims in Texas:

The following types of insurance are typically needed and used in auto accidents and injury claims in Texas.  See the following descriptions and corresponding pages. 

1)  Liability Insurance for Auto Claims: 

Liability Insurance is required by law in Texas for all drivers.  Auto liability insurance covers the damage you do to someone else (property or injury) due to any negligence you may have. . . (see:  Liability Insurance for Auto Claims). 

2)  Uninsured Motorist (UM) and Underinsured Motorist (UIM) Insurance for Auto Claims:

Uninsured Motorist Coverage is insurance required to be offered, that is used to pay for damage done to you by someone who is at fault and does not carry liability insurance . . . (see: Uninsured Motorist and Underinsured Motorist Insurance for Auto Claims).

3)  Personal Injury Protection:

Personal Injury Protection (PIP) is insurance required to be offered, that is used to pay you the covered person, various expenses related to an automobile collision . . . (see:  Personal Injury Protection). 

4)  MedPay: 

MedPay is insurance that is not required, but may be taken out, on an auto policy that typically covers a small amount of the covered person's medical bills . . . (see: MedPay). 

5)  Collision, Comprehensive, Rental and Towing Insurance:

Collision Coverage covers the damage to the covered person's listed vehicle due to a collision - typically with a deductible paid by the insured . . . (see:  Collision, Comprehensive, Rental and Towing Insurance). 

Comprehensive Coverage covers the damage to the covered person's listed vehicle due to many reasons "other than collision", such as theft, fire, etc. . . . (see:  Collision, Comprehensive, Rental and Towing Insurance). 

Towing Insurance covers the cost of towing your vehicle up to a limit listed in your auto insurance policy.  (see:  Collision, Comprehensive, Rental and Towing Insurance). 

Rental Insurance covers the cost of renting a vehicle while your vehicle is being repaired by the coverage used in your auto insurance policy.  (see:  Collision, Comprehensive, Rental and Towing Insurance). 

6)  Gap Insurance:

Gap Insurance covers the times your vehicle is a "total loss" and you are "upside down" on the note (what you owe) on your vehicle.  It covers the Gap between the current value of your vehicle (just prior to the damage done to it), and what you owe to the lienholder on that vehicle (such at the bank, or car lot). 

7)  Umbrella Insurance: 

Umbrella Insurance is a coverage that is sometimes taken out by people who need additional liability coverage, in case their auto, homeowners, or other liability insurance is not adequate to protect their assets against claims against the insured person or persons. 

Contact the Law Office of Doug Goyen at (972) 599 4100 if you need a personal injury lawyer regarding your automobile & injury insurance issues or other personal injury issue. 

Insurance Disputes:  

Insurance disputes are just part of making an insurance claim.  If you are making a claim, you are likely going to have a dispute with the insurance company.  Your insurance company (or the other person's insurance company) is not in business to pay claims.  They are in business to "not pay claims" - or pay as little as they can possibly get away with.  They are a business, usually an incorporated business that has obligations to its shareholders or owners.  The shareholders' bottom line is profitability, not whether they are treating you fairly.  Your case is just a number in a long, long, long line of numbers of claims made.  They have heard every sob story before, about how the lights will be turned out, how your loved one needs surgery to save their life, about how you will go bankrupt, lose your house and end up on the streets.  Unfortunately, the adjusters become immune to these pleas for help.  They really do not care - they hear this multiple times a day, every day, and get to where they have contempt for these statements.  When you hang up the phone with them, the adjuster spins around in his cubicle, looking for a coworker across the way in their cubicle, and makes fun of how upset you were.  Sounds harsh?  It is, but that is the reality in dealing with insurance adjusters. 

We help people in the Dallas, North Texas area who are looking to their insurance company in an attempt to process a claim who have insurance disputes.  We help with coverage disputes, liability disputes, and other issues in dealing with insurers.  If you have been injured and are being unfairly denied by the insurance company, call us for our assistance.  Our office has experience both working for insurance companies and in working against them.  We can discuss your options and help you obtain an appropriate and quick result. 

Some areas we can help with include uninsured or underinsured motorist claims, personal injury protection (PIP), nursing home claims, construction claims, disability claims, property and casualty claims, life insurance claims, homeowner and fire insurance claims.

If you want to discuss your insurance claim, contact us at (972) 599-4100 or contact us online for a free initial consultation.

By Doug Goyen, douggoyen@gmail.com  

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