Why Won’t The Insurance Company Pay For My Car Damage?

We’re starting something new today because car wreck property damage claims seem to be an increasing problem and concern.  Generally, the property damage claims — the claims relating to your car damage — are easy to resolve.  But recently, I’ve had to file lawsuits in a couple of cases over property damage, and I’ve also received an increasing number of calls from potential clients worried about how they’re being treated in their property damage claims.

Because of this, I’m starting a new series of blog posts trying to answer basic questions about property damage claims.  I’m also going to be doing it a little differently because I’m going to do them as short videos.  I hope you find the series helpful.  (And please be forgiving.  I’m not Martin Scorsese; this is new to me.)  If you have any questions, concerns, or suggestions for the series, please let me know.

So, here’s the first in the series:  Why Won’t The Insurance Company Pay My Property Damage  Claim?  (and depending on your set-up, you might need to give it a few seconds to buffer).


Why isn’t the insurance company paying for the damage to my car?

The short answer is, because they’re an insurance company.

That’s not to be flippant, but it’s the truth. If you were making a claim against another driver’s insurance company, that insurance company doesn’t owe any duties to you.

What it does want to do is maximize it’s profits, and a way it will do that is to try and minimize what they pay out in claims.

Now theoretically, if you’re making a claim on your own insurance company, your insurance company does owe duties to you. But it is all too common to find adjusters looking out, not for your interests, but for the interests of the company. So in the process, no matter how nice the adjuster seems to be keep in mind that you’re the one responsible for looking out for your own interests. And part of that is doing what you’re doing now:  becoming informed.  Keep checking around the internet, looking for advice, and talking to others.

The information in this series is based on generalities of Texas law.  If you need specific information or help finding a lawyer in your state, feel free to call me.

Perlmutter & Schuelke, LLP maintains offices in Austin, Texas. However, our attorneys and lawyers represent clients throughout the state of Texas, including Dallas, Houston, San Antonio, Forth Worth, El Paso, New Braunfels, San Marcos, Kyle, Buda, Round Rock, Georgetown, Lockhart, Bastrop, Elgin, Manor, Brenham, Cedar Park, Burnet, Marble Falls, Temple and Killeen. By Brooks Schuelke

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