Having Insurance Issues?


When you’ve been involved in a serious accident, an important detail — but one that most people would rather not have to deal with — is the process of making an insurance claim.

Insurance claims involve paperwork and details that you may lack the energy or presence of mind to deal with when you’re trying to recover from a severe injury. You may even be medically unable to deal with insurance issues, especially if the insurance company is denying liability on behalf of its policyholder. That’s where a Houston personal injury lawyer can help.

Even when you are in the right frame of mind to handle insurance paperwork and conversations with adjusters, the process isn’t always smooth. Sometimes you may encounter unexpected problems, such as learning the person who caused your accident doesn’t have sufficient insurance to pay your damages, or denial of your claim when you think liability is clear-cut.

Some of the common insurance issues you may face after an accident are discussed below. We also invite you to call The Krist Law Firm, P.C. for a free consultation about your accident and to discuss your options for handling insurance issues and obtaining the compensation you deserve in the aftermath of a serious injury.

Uninsured and Underinsured Motorist Coverage

When you’re the victim of a car accident, you typically rely on the other person having insurance to pay for the damage to your car and your medical bills when you’re injured. But what if the driver who caused the crash is uninsured or only has the minimum required amount of car insurance? You may be left having to cover your costs on your own.

In Texas, you can submit a claim to your own vehicle insurance if you opted to purchase uninsured/underinsured motorist coverage. As its name implies, this type of coverage helps cover your expenses when you are involved in an auto collision with another driver who either is uninsured or doesn’t have enough insurance to fully cover your medical bills or other losses.

We recommend that all Texas drivers purchase this coverage to be prepared in the event of an accident. If you’ve been seriously injured in a motor vehicle accident, the skilled Houston personal injury lawyers at The Krist Law Firm, P.C. can help you determine what coverage exists to compensate your losses and help you obtain that compensation.

Wrongful Denial of Insurance Claims

It’s an insurance company’s job to make money. Insurance companies typically are for-profit businesses with shareholders who want to earn returns on their investments. That means that an insurance company and its adjusters want to settle your claim for as little money as is possible. Paying out no money on the claim is their ideal resolution.

An insurance company will look for any opportunity to deny your claim. The classic example in the health insurance context is denying coverage for someone’s serious illness because the person forgot to check the box on their insurance application indicating they’re a smoker.

Insurance companies are required to act in good faith, meaning they’re required to have a legitimate reason to deny your claim. But that doesn’t prevent them from looking for any detail, no matter how minor, to avoid compensating you.

Sometimes an insurance company will deny a claim without a legitimate reason. When the company knowingly denies your claim without reason, that’s known as bad faith. In Texas law, these actions also are known as unfair settlement practices under Section 541.060 of the Texas Insurance Code.

When an insurance company operating in Texas refuses to settle a claim in good faith when its liability is clear, you may be able to sue the insurance carrier for compensation related to its wrongful denial.

If you believe that your insurance claim related to serious injuries sustained in an accident has been wrongfully denied, our Houston personal injury lawyers can evaluate your situation and explain your legal options.

Personal Injury Lawsuit Process

When you encounter insurance denials or other issues with coverage, you may need to file a personal injury lawsuit in order to obtain compensation for your injuries. Lawsuits can be complicated, especially if you’ve never before encountered the legal system.

A lawsuit may be filed in federal or Texas courts, depending on the circumstances of your accident or injury and which laws apply. The experienced personal injury lawyers at The Krist Law Firm, P.C. can explain how the process works, from the initial investigation to trial, as well as how we can help if you decide to pursue a lawsuit.

Helpful Resources for Houston Personal Injury

When you’re recovering from a catastrophic injury, you may need help handling legal and financial details, and obtaining documents you need to support your claim. We can help you find resources to help you obtain accident reports, court information, driving records, property records, and other documents you may need when pursuing compensation for your injuries.

Because we care about your overall well-being, we can also help connect you with medical providers, mental health providers, grief counselors, or other resources that can aid your recovery from a traumatic accident.

How Our Houston Personal Injury Lawyers Can Help

At The Krist Law Firm, P.C., we have extensive experience representing people injured in serious accidents and obtaining the compensation they deserve, as well as finding the help they need to restore their lives and move forward after an injury.

We understand that an accident and the resulting injuries can have a significant impact on your life. Our goal is to shoulder the burden of legal paperwork and other details so that you can focus on your physical recovery.

We offer a free consultation about your case, and charge no fees unless we obtain compensation for your injuries, so there’s no financial risk to you when you make an appointment. Contact us by calling or using the contact form below.