If you've been in a car accident caused by someone else's negligence, you might wonder if the at-fault driver is responsible for your medical bills. At McLaurin Law, this is one of the most common questions we receive, and the answer is yes. However, there’s more to it than meets the eye.
In Texas, the at-fault driver (or their insurance company) is responsible not only for your medical bills but also for other types of damages. These can include:
One mistake people often make is settling with the at-fault driver’s insurance company too quickly. Insurance adjusters may offer to cover a portion of your medical bills and encourage you to settle, but this often excludes other damages you’re entitled to receive.
The insurance company’s goal is to minimize payouts, so they might not inform you of your full rights. Settling without understanding the full scope of your claim could leave you under-compensated.
Speaking with an experienced attorney is crucial to protecting your rights and maximizing your compensation. At McLaurin Law, we offer free consultations to evaluate your case and ensure you receive what you truly deserve.
Call us today at 713-461-6500 or visit our website to schedule your free consultation. Let us fight for the compensation you’re entitled to so you can focus on healing and moving forward.
After an auto accident, you may wonder when it’s too late to hire a lawyer. Timing is crucial, and understanding the key moments that could impact your claim is essential. Here are three situations where waiting too long could jeopardize your case.
In Texas, the statute of limitations for personal injury claims is two years. This means you have two years from the date of the accident to file a lawsuit. If you miss this deadline, you will lose the right to pursue compensation from the other driver or your own insurance company. Acting promptly ensures your legal rights are protected.
If you’re injured in an accident, it’s important to seek medical attention as soon as possible. Waiting weeks or months to see a doctor can create challenges. Insurance companies may argue that your injuries were not caused by the accident but by something that occurred during the delay. This can significantly reduce the value of your claim and make it harder to prove your case.
Many people unknowingly sign a release from the insurance company in exchange for a settlement. Once you sign, you forfeit your right to pursue further compensation, even if the amount doesn’t cover your medical expenses. Always consult a lawyer before accepting any settlement offer or signing documents from the insurance company.
The earlier you consult a personal injury attorney, the better your chances of building a strong case. At McLaurin Law, we can guide you through the process and ensure your rights are protected from day one. Call us today at 713-461-6500 for a free consultation to discuss your case and secure the compensation you deserve.
At McLaurin Law, PLLC, we’ve recently seen a surge in clients facing insurance denials due to alleged pre-existing damage. This issue has become especially prevalent in the wake of two significant weather events—Hurricane Duro and Hurricane Barrel—which occurred just months apart in Texas.
Many homeowners were in the process of repairing damages from Hurricane Duro when Barrel struck, while others experienced new damage solely from Barrel. Unfortunately, some insurance carriers have denied claims, arguing that the damage was caused during Duro and not properly reported or repaired. This tactic is being used even when the same insurer covers both events, leaving policyholders frustrated and without coverage for needed repairs.
Insurance companies have increasingly required homeowners to prove which storm caused specific damages. Without detailed documentation or expert evaluations, many claims are being rejected outright. This creates a complex and unfair situation for policyholders who are simply trying to recover from devastating losses.
The good news? You don’t have to navigate this battle alone. An experienced insurance lawyer can challenge these unfair practices, ensuring carriers honor their obligations under the policies they issued. At McLaurin Law, we understand the nuances of storm-related claims and are equipped to hold insurers accountable.
If your insurance company has denied your claim due to pre-existing damage arguments or is pressuring you to accept less than you deserve, take action now. Contact us today at 713-461-6500 to request a consultation. Let us fight for the compensation you’re entitled to so you can rebuild with peace of mind.
Call us today and let us help you protect your rights.
Dealing with property damage is stressful enough, but what happens when your insurance provider fabricates an alternate cause to fit an exclusion in your policy? This tactic is becoming increasingly common, leaving policyholders with denied claims and mounting frustration. In this video, we discuss how insurance companies may alter the cause of your property damage, how this impacts your claim, and what steps you can take to protect your rights and receive fair compensation.
If your insurance provider is misrepresenting the cause of your property damage to deny your claim, contact McLaurin Law, PLLC at (713) 461-6500 or visit mdlawtex.com for a free consultation. We’ll guide you through the process and fight to ensure your insurance company doesn’t take advantage of you. Don’t wait—secure the compensation you deserve today!
McLaurin Law has extensive experience in holding insurance companies accountable. Contact us today to protect your rights and secure the compensation you’re entitled to!
Delays in insurance claim payments can be frustrating and financially burdensome. Whether it’s a few days or several months, it’s critical to understand your rights and responsibilities as a policyholder. Insurance companies are often legally required to process claims within a specific time frame, typically around 45 days. However, delays may occur if required documentation, such as proof of loss, hasn’t been submitted. Knowing how to respond to these delays can make all the difference in resolving your claim.
If your insurance company delays your claim, don’t face the stress alone. Contact McLaurin Law, PLLC at (713) 461-6500 or visit mdlawtex.com for a free consultation. We’ll help you identify the cause of the delay, ensure all necessary documentation is submitted, and fight to resolve your claim promptly. Don’t let delays jeopardize your financial recovery—call us today!
At McLaurin Law, PLLC, we’re here to support you every step of the way. Call us today to get your claim back on track!
When your insurance company requests an Examination Under Oath (EUO), it’s a serious step in the claims process. An EUO is a formal proceeding where you answer detailed questions under oath, often recorded, as outlined in your insurance policy. While it may seem routine, insurance companies frequently use EUOs to build cases to deny claims. Hiring an attorney can ensure your rights are protected and your claim is handled correctly.
If your insurance company has requested an EUO, don’t face it alone. Contact McLaurin Law, PLLC at (713) 461-6500 or visit mdlawtex.com for a free consultation. Our experienced team will guide you through the process, ensuring your rights are upheld, and your claim isn’t unfairly denied. Don’t let the insurance company take advantage—reach out today!
McLaurin Law is here to fight for policyholders. Contact us today for assistance with your EUO!
When filing a homeowner’s insurance claim, thorough documentation ensures you receive the compensation you deserve. At McLaurin Law, we often advise clients on what to document early in the claims process to maximize their claims. Here’s a quick guide to help you stay organized and protect your interests.
Start by taking detailed pictures of all damaged items and areas of your property. Capture multiple angles of each room and damaged personal belongings. These images serve as undeniable evidence of the extent of the damage.
Document the value of your damaged personal property. Use receipts, credit card statements, or online purchase histories from platforms like Amazon to verify the original costs or current replacement values.
Maintain a detailed log of all interactions with your insurance company, starting when you file your claim. Record the dates, times, and content of every conversation, whether in person or over the phone. Follow up verbal communications with written email confirmation to prevent misunderstandings or disputes later.
After the insurance adjuster inspects your property, obtain independent estimates for repair costs. These can help you identify discrepancies between the adjuster’s assessment and the actual cost of repairs, which is often a key factor in maximizing your claim.
Whenever possible, communicate with your insurance carrier in writing. Document phone calls by sending follow-up emails to confirm what was discussed. This helps prevent issues where the insurance adjuster may later deny or forget key details of your claim.
Proper documentation strengthens your claim and protects you from disputes with your insurance company. If you need assistance with your claim, McLaurin Law is here to help.
Schedule a free consultation today by visiting our website or calling us at 713-766-5621. Let McLaurin Law guide you toward the best possible outcome for your insurance claim.
Navigating negotiations with an insurance claims adjuster can feel overwhelming, especially after experiencing property damage. Understanding how to evaluate and advocate for your rightful compensation is at the heart of the process. Here are key steps to help homeowners negotiate effectively and ensure they receive the coverage they deserve.
After property damage occurs, the insurance carrier initiates an investigation. An adjuster will visit the property, assess the damages, and prepare an estimate. This estimate outlines what the carrier will pay. It’s essential to carefully review this document and determine if the compensation adequately covers the cost of repairs.
Once you receive the insurance company’s estimate, consider consulting with a general contractor or public adjuster. These professionals can compare the insurer’s figures to the actual costs of necessary repairs. This step ensures you clearly understand whether the proposed settlement is sufficient.
If the estimate falls short, negotiation is key. While some contractors or adjusters may help negotiate directly, ensure the person assisting you is knowledgeable and experienced in dealing with insurance companies. Poor negotiations can complicate the process, potentially requiring more extensive legal intervention later.
If negotiations stall or the insurance company continues to undervalue your claim, it may be time to consult a homeowners insurance attorney. An attorney can provide guidance, advocate, and help ensure you receive the compensation needed to repair your property thoroughly.
If you’re facing challenges with an insurance claim, don’t navigate it alone. For guidance tailored to your situation, please schedule a consultation through our contact page or call us at 713-766-5621. Acting quickly can help you secure the necessary resources to restore your home and peace of mind.
Browse our growing library of multimedia educational content to better understand the rules and processes involved in your Texas injury case or insurance claim. Review the items relevant to your issue, and let us know your questions.
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