The Insurance Company Said "They Accepted Liability" So Everything Should Go Smoothly, Right?
Insurance companies can accept liability, but then go on to argue about their insured having caused your injuries in a variety of ways. Just because an insurance company in Texas has "accepted liability" does not mean your fight is over. To maximize your claim value, your fight begins then.
The Other Driver's Insurance Company Accepted Liability - What Does That Mean?Ordinarily, that only means they are not going to argue with you about who caused the accident or decrease their payment for that reason. This position does not mean that the insurance company has conceded and is willing to pay your demand or even the full amount of your medical bills that you believe are related to the accident.
If The Insurance Company Has Accepted Liability Does That Mean They Will Make a Fair Offer?No! Insurance companies can accept liability but then go on to argue about their insured having caused your injuries. Beware of falling into a false sense of security after hearing the words, "We have decided to accept liability on this claim." The reality is the fight to be treated fairly may have only just begun.
Insurance companies often attempt to argue your injuries all pre-existed the accident. They will argue the bills charged by the medical provider are too high even though that was the bill you were sent by the facility to pay. They will argue that the impact was not so significant as to have caused the injuries you claim. They will argue if you do not treat that you are not hurt. They will argue in any number of creative ways to move you away from full value you on your claim.
How Do I Stand Up to an Insurance Company?Insurance companies have business models built on an injured party's ignorance. What I mean by that is they will seek to take advantage of the fact you may not completely understand your rights. If you are injured in a car accident you should seek a free consultation so that you at least have the information you need to level the playing field between yourself and the powerful interests such as insurance companies that sit around in conference rooms and dream up excuses and strategies to underpay claims.