After suffering debilitating injuries in a car accident, dealing with the insurance company may be the furthest thing from your mind. Fortunately, when you have a trial-proven Houston car accident lawyer advocating for your rights, you do not need to worry about your insurance claim at all. Our firm is prepared to handle every step of the insurance claim filing and negotiation processes to protect you in your greatest time of need.
If the driver who hit you or another at-fault party is insured with Fred Loya, a sub-brand of the Loya Insurance Group, Goldenzweig Law Group, PLLC, with 30+ years of experience will know how to approach your claim. Despite the fact that Fred Loya Insurance is one of the largest auto insurance companies in Texas, we are not afraid to back down when they attempt to deny well-deserving claimants the compensation they deserve. To that end, here is our complete guide to filing a car accident claim:
How Fred Loya Insurance Claims Work
Fred Loya is one of the more complicated auto insurance providers. While most nationwide insurance companies can process your claim 24/7 and allow you to file a claim via a mobile app or website, Fred Loya is different. You can only report your claim between Monday and Saturday during regular office hours.
You cannot file your claim online or via a mobile app and must file by phone. This can be intimidating, especially if you have never been involved in a car accident or filed a claim with an insurance company before. Fortunately, your truck accident lawyer can handle the insurance claim filing with Fred Loya on your behalf.
The Role of the Insurance Adjuster
The Fred Loya insurance adjuster will then be responsible for investigating your insurance claim. The insurance adjusters themselves may not investigate, but they will put together a team that investigates how the accident occurred and who is responsible. Texas follows fault-based insurance laws per Transportation Code Chapter 601. Motor Vehicle Safety Responsibility Act, so the liable party’s insurance policy will be responsible for covering a portion of your damages.
Not only will the insurance adjuster investigate the claim, but they will determine the amount of compensation you should be awarded, if any. The insurance adjuster will prepare your settlement offer and be responsible for renegotiating settlement terms if we find their initial offer unreasonable.
Never Give the Insurance Company a Recorded Statement
As part of Fred Loya’s investigation into the cause of your collision, the insurance adjuster may ask you to give them a statement. However, we strongly discourage you from speaking with an insurance company unless we are present. This is because you could say something that the insurance adjuster misinterprets or attempts to manipulate and use against you. Since Texas follows proportionate responsibility laws under Tex. Civ. Pract. & Proc. Code § 33.001, if you are partially at fault for the accident, the insurance company will not need to pay for the total value of your losses.
Instead, your percentage of blame will be taken out of your award, which means you will not receive the total amount of compensation you were initially awarded. The insurance company and liable party may attempt to capitalize on these laws. If you say something that they could use to make it seem as though you have accepted blame for the accident or expressed guilt in some way, it could have an adverse impact on the outcome of your claim.
Prepare to Negotiate for a Full and Fair Settlement
Once your settlement offer has come in, we will need to review it and determine whether it is both fair and reasonable. It is not uncommon for insurance companies to pay out substantially less than claims are worth. We will already have a keen understanding of how much compensation you should be awarded, and will not accept less than you deserve.
Fred Loya will be expected to cover a portion of your medical expenses, vehicle repair costs, and in some cases, even loss of income. We will know more after we have completed our review of the liable party’s insurance policy. We will ensure Fred Loya is held accountable so you have access to the compensation you need to rebuild your life.
Meet With a Trial-Proven Car Accident Lawyer for Help Today
You need a legal representative on your side who will hold profit-driven insurance companies like Fred Loya accountable when they attempt to take advantage of injury victims like you. If the insurance company attempts to blame you for causing the accident or misrepresents policy terms, we are not afraid to call out their bad-faith insurance tactics.
Your dedicated Houston personal injury lawyer with Goldenzweig Law Group, PLLC will stop at nothing to hold the insurance company accountable to their financial obligations. Take action on your Fred Loya insurance claim as soon as today. Schedule your no-cost, risk-free consultation through our contact form or by phone to demand the compensation you are entitled to.
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