Suppose you were traveling along Westheimer Road on your bicycle when a distracted driver hit you, or maybe you were injured in a dooring accident downtown. You may have the right to seek compensation for the financial and psychological harm you suffered as a result of the accident, but this involves dealing with insurance companies, including your own or the provider of a relevant policy (such as an auto insurance policy) held by the at-fault party. Unfortunately, talking to insurance companies after a bicycle accident in Houston can be a risky situation, as they are typically seeking to limit their own expenses and can use your words against you.
An experienced bicycle wreck attorney from KGS Law PLLC may provide essential services to handle your case, including talking to insurance companies on your behalf. This avoids the risk of the insurer convincing you to accept a settlement that is too low, demanding information they do not need to evaluate the claim, or even reducing the amount of your settlement based on statements you gave them.
Why You Should Be Cautious When Talking with Insurance Companies After an Accident
Insurance providers make their money selling policies, not paying for claims against those policies. When a bicycle collision claim is submitted to an insurer, they typically assign a claims adjuster to evaluate the circumstances of the accident, determining the liability of the insured and how much money is owed to the claimant.
While this seems like it would be an unbiased evaluation based on evidence such as the police report, eyewitness testimony, and documentation of expenses, it is important to understand that the adjuster works on behalf of the company, through the lens of protecting the insurer’s bottom line by reducing or eliminating the value of claims. They often use tactics, such as demanding recorded statements or medical records that do not pertain to the accident, or getting the claimant to agree to a settlement that does not provide enough compensation to cover their expenses.
Our Houston attorneys know how to communicate with insurance companies after a bicycle wreck and could advocate on your behalf for fair compensation.
A Lawyer Handles Communication with the Insurance Providers
Because the risk of communicating with the at-fault party’s insurance provider (or even the provider of your own insurance coverage) is so great, an experienced lawyer from KGS Law PLLC may handle that communication on your behalf. Lawyers who handle bicycle wreck cases in Houston are well versed in insurance company tactics, the obligations of the insurer, and know how to talk to them effectively. They could keep the conversation focused on negotiating a fair settlement by providing the information the insurer needs to know without compromising your privacy with information unrelated to your case. They also understand how to protect your right to file the claim as a lawsuit if the insurer fails to pay.
Call Us Before Talking to Insurance Companies After a Bike Crash in Houston
Dealing with insurance companies is how damages are recovered in bicycle accident claims. Speaking with a lawyer as soon as possible about your case may allow you the protection and convenience of having someone handle this important communication on your behalf. Contact us for help talking to insurance companies after a bicycle accident in Houston.