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Legal Blog

Is the Insurance Company Blaming You for a Car Accident?

Texas is a fault-based system when it comes to auto insurance and personal injury cases, which means that the at-fault driver is responsible for paying for any damage that they cause. If you have been injured in a car wreck through no fault of your own and the insurance company is wrongly blaming you, it is essential that you consult with an experienced Houston lawyer as soon as possible.

At The Krist Law Firm, P.C., we can evaluate your case, explain your options, and negotiate with insurance adjusters to help secure the compensation you deserve. We have over four decades of experience handling car accident cases and understand how to hold insurance companies accountable.

Don’t let an insurance company delay, deny, or minimize your car accident claim. Call us today at (281) 283-8500 for a free consultation.

What if the Insurance Company Blames You?

Large insurance companies will use various tactics to pay you less after a car accident. They may suggest you share part of the blame for what happened or blatantly accuse you were at fault.

These companies do not have your interests in mind, they want to pay you less. No matter the details, it’s always best to discuss things with a personal injury lawyer.

Know Your Legal Rights

In Texas, a party who is injured in a car accident can file a claim with their own insurer (called a first-party claim) or from the at-fault driver’s insurer (known as a third-party claim). Alternatively, an injured party may decide to pursue compensation in court by filing a personal injury lawsuit.

Because Texas law requires drivers to pay for the accidents they cause, all motorists must maintain at least minimum coverage.

Don’t Record a Statement

The ultimate goal of insurance companies is to pay as little as possible or deny coverage altogether. One of the most common strategies they use is to say that you were partially or entirely at fault.

To pin at least some of the liability for the accident on you, the insurance adjuster will ask you to record a statement about your version of events. Although the adjuster may say they are just trying to get the facts, they will not hesitate to use your statements against you.

When the other driver or their insurer is blaming you, it is critical that you have a dedicated attorney working on your behalf as early as possible. An attorney who is familiar with handling car accident claims will be able to negotiate with adjusters, collect evidence in support of your claim, and give you the best chance at maximizing your recovery.

Show the Insurer You’re Serious

If the insurance company is wrongly blaming you for an accident or unfairly denied your claim, contact The Krist Law Firm, P.C. for help. Our Houston car accident lawyers can help you understand your rights, conduct a thorough investigation to determine liability, and build the strongest possible case for compensation.

We are proud of our history of helping car accident victims throughout Texas obtain the maximum compensation possible for their injuries. We invite you to speak with one of our talented personal injury attorneys to learn how we can help with your case.

Contact us today at (281) 283-8500 for a free, no-risk consultation.