Top 10 Myths of Auto Liability Insurance

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Top 10 Myths of Auto Liability Insurance
Top 10 Myths of Auto Liability Insurance

Top 10 Myths of Auto Liability Insurance

Top 10 Myths of Auto Liability Insurance, Let’s address the top 10 myths about car liability insurance and how they relate to car accident claims. As a car accident lawyer, I encounter these problems quite often. However, this post is limited to car liability insurance and is not intended to address other types of insurance such as comprehensive and collision coverage. Let’s take a simple car accident as our example. Let’s say you were involved in a car accident where the other driver is to blame.

The other driver gives you their insurance information. You contact the other driver’s insurance company and report damage to personal and car damage. This is called a third-party liability claim. You are a “third party” because you are a stranger to the insurance policy between the other driver and their insurance company. It is a “liability claim” because you claim that the other driver is legally responsible for the accident. Now that you understand the relationship between all parties to the claim, here are my “Top 10 Myths” of Liability Insurance.

Myth # 1. The insurance company is there to protect me. Wrong! Liability insurance is taken out by the policyholder to protect the policyholder against the injured party’s damage. Since you claim that the other driver is responsible for the accident, then the other driver’s insurance company is there to protect the other driver from your claim. That is why it is called “liability insurance”. It is purchased to ensure and defend the other driver for their liability; not to protect the injured person.

Myth # 2. I have to give a busy statement. You do not have to make a registered statement in a claim for damages. As described in # 1 above, the liability bearer is the insurance of the other driver. Since they have no legal obligations to you, you have no legal obligations to them. Top 10 Myths of Auto Liability Insurance.

Top 10 Myths of Auto Liability Insurance, The only reason the insurance company wants to take your registered statement is that they want to use it against you in the future. If they’re really interested in investigating the facts of the accident, they can just talk to you without recording the conversation. Do not let the insurance company tell you that you are required to make a registered statement. You are not!

Myth # 3. They must provide a rental car. You are not entitled to a rental car. However, they may decide to give you a lease if the liability of their insured is quite clear. They do this because they want to keep you happy. Otherwise, you can hire a car accident lawyer, which is something the insurance company will always avoid. Top 10 Myths of Auto Liability Insurance.

Myth # 4. I need their workshop. No. The Texas Insurance Code specifically states that the insurance company cannot tell you where to get your car repaired and what parts to use. If you have problems with the insurance company with these conditions, the best thing to do is take your car to the authorized workshop of your choice and provide the store manager with the contact person’s contact information. Let the store take care of the insurance company as they deal with these things on a daily basis.

Media Liability Insurance

Myth # 5. I need to give a doctor’s authorization. Do not give the insurance company any authorization, especially not a medical authorization. They usually send one to you with the typical requirement paperwork and ask you to sign it. You are not required to do so. If you do, you’re giving the adjuster global permission to obtain any of your previous medical records. It’s just another trick to dig up dirt on you. You are better placed to collect your own records and bills related to the accident and even send them to the adjuster.

Myth # 6. I need to treat them with their doctor. If you get injured in an accident, then it is your decision which doctor to use. You are not obliged to go to the doctor recommended by the clinician. You can go to the hospital, the emergency room, the family doctor, or any other doctor you choose to see. Top 10 Myths of Auto Liability Insurance.

Myth # 7. The adjuster can close my claim. Of course, they can close your claim. But what then!?! So what!!! The only time limit that applies to your claim and that has any real consequence is the legal limitation period. In most personal injury cases, Texas allows you two years to either decide your case or file a lawsuit. Top 10 Myths of Auto Liability Insurance.

Top 10 Myths of Auto Liability Insurance, Do not let the insurance company pressure you to work on their schedule. They want to pressure you to get the case settled early before your medical bills get too high or distract you from hiring a lawyer.

Myth # 8. They must provide a reasonable settlement offer. The insurance company is not obliged to make any kind of settlement offer. However, there are two main factors that can (and I mean “maybe”) get a lawyer to try to settle your claim. Top 10 Myths of Auto Liability Insurance.

Top 10 Myths of Auto Liability Insurance, First, insurers may want to close damages to keep their workload and legal exposure at a manageable level. Second, if they are not trying to reconcile, you can hire a lawyer. If you do, then the insurance company knows that the damage may cost more to decide.

 

 

 

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