Have you been involved in a car accident in Houston, Texas?

Our Houston car accident attorneys can help you.

Due to the number of major highways that converge in Houston, and the large quantity of commuter traffic, it is no wonder that Houston is a national leader in car accidents cases year after year. Such a tremendous amount of activity makes Houston a higher-risk area for car insurance companies. As a result, many car insurance companies are fighting back by using hardball negotiating tactics that result in untold numbers of denied claims and minimal payouts. So what is the real result of all of this? You, the car accident victim are very likely to get less than fair compensation for your injuries and property with a proper car accident lawyer.

If you're thinking, "That's not fair," we agree.

So how do insurance adjusters work?

How can they get away with treating me unfairly?

As most people are aware, the less money an insurance company pays out, the more money they make. Federal and state regulations set strict rules regarding many of the business practices that an insurance company must abide by. Unfortunately, much of the claims process is open to interpretation by the insurance companies themselves. This results in their own set of parameters determining whether or not they pay you a fair amount or anything at all.

Whenever you are involved in an accident, the insurance adjuster assigned to the case is tasked with building a case against you using any methods at their disposal. The entire purpose of their job is to save their company as much money as they can. There is no such thing as “innocent until proven guilty” in the insurance world. Instead, you are assumed to be at fault until the adjuster is convinced otherwise.

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To take it one step further, even if an insurance company has information that shows you are not liable, the only thing that encourages them to pay what they should, is convincing them that you and your attorneys are capable of beating them in court. There have been countless examples of people who were not at fault in a car accident yet their claim denied simply because the insurance company knew that they could do a better job of pandering to a jury than that individual could. Your case is only as strong as you (and your attorneys) can convince a jury that it is. This is precisely the reason why you need an experienced personal injury attorney in your corner. Without an attorney, the insurance company knows that they can make a more convincing argument to a jury with their in-house counsel than you can make on your own.

Surely not all insurance adjusters are unfair, right?

There are insurance adjusters and insurance companies out there that do play fair. However, they are few and far between in comparison to the number of aggressive adjusters working in the industry. Furthermore,the level of aggression is usually proportionate to the amount of risk they are subjected to. The more they stand to lose, the more aggressively they will treat your case.

Car accidents injuries usually result in insurance adjuster aggression.

Unlike property damage issues where there is a fixed cost (the ultimate value of the car) health care is quite subjective

Unlike property damage issues, insurance adjusters are extremely aggressive in almost any car accident that results in an injury. The reasoning behind this is that health care is quite expensive and even minor injuries can easily result in thousands of dollars in medical expenses, thereby increasing the risk that the insurance company incurs. Unlike property damage issues where there is a fixed cost (the ultimate value of the car) and a system of regulations put in place to make sure that accident victims get some semblance of a fair payout, health care is quite subjective. Once medical expenses start to rise, they take advantage of the flexibility in the rules and they become very aggressive. If you think about it, it makes sense from a business perspective. If they potentially have to pay you a considerable amount of money yet the law enables them to deny your claim or give you a low offer,they have nothing to lose by trying to low ball you.