How Do I Settle A Claim With An Insurance Company Amicably?

This is another question I recently received.

A person was injured in a car wreck, they submitted a demand letter, and tried to negotiate, but the insurance company was stonewalling them.  What are they supposed to do?

There isn’t a good answer for someone in this situation.  Insurance companies may engage in stonewalling tactics that are designed to get you to accept less than the full value of your claim.

When you hire us, and this happens, our response is to file suit.  That’s the alternative and the hammer you can use to get a new adjuster, get a new perspective to the insurance company from a lawyer and to prove that you can enforce the claim.

But if you’re trying to represent yourself, you don’t have that option.  As a result, the insurance company, knowing that you don’t have a real alternative, doesn’t have an incentive to pay the full value of your claim.

This type of conduct is one of the reasons that insurance company studies find that claimants who are represented by lawyers do substantially better overall than those who try to represent themselves.

I am sorry to be the bearer of bad news to people in this situation.

Will Austin Ban Use of Cell Phones While Driving?

A lot of momentum seems to be developing for the idea that Austin will ban drivers from using hand-held devices while driving.  In February, the Austin City Council appointed a Distracted Driving Study Group to look at the problem of distracted driving.  On Monday, the study group released a memo recommending that the city council outlaw the use of handheld devices while driving.  There seem to be two main reasons for this.  One, using a hand held cell phone while driving can be distracting and dangerous.  Two, making it illegal to use hand held devices would make it easier to enforce the ban on texting whiile driving (now it’s difficult to tell is someone is texting or dialing a phone number).

I’ll keep you posted on the story as details emerge.  In the meantime, KXAN has done a nice story on the issue.  You can watch it below.

 

I was hit by a drunk driver. Does that affect the value of my case?

This is a question that I’ve received a few times.  And the answer is, “Being hit by a drunk driver should increase the value of your case, but it doesn’t always.”

What do I mean?  Obviously, if the jury knows that you were hit by a drunk driver, they would get mad at the drunk driver and likely award you more money.  The trick is whether the jury gets to hear you were hit by a drunk driver.  Defense lawyers will go to great lengths to ask the judge to hide from the jury the fact that the driver who hit you was drunk or under the influence of drugs because knowing that might be prejudicial to the driver.   There are tricks the defense lawyer will use to try and make this happen.

Fortunately, there are a number of tactics for our side to help us increase the likelihood that the jury gets to hear that the other driver was drunk.  Unfortunately, there are too many plaintiff’s lawyers who don’t know these tactics.

If you’re hurt by a drunk driver, you need to do your homework and make sure your lawyer knows these tactics.  Ask your lawyer what he or she might do to help increase the odds that the facts regarding the other driver’s drinking are admissible.  Ask your lawyer what trial lawyer organizations he or she belongs to help stay educated on the evolution of these tactics.  Make sure the lawyer you want to hire is qualified to maximize the value of your claim.

Posted on: July 25, 2014 |

Is Your Insurance Company Paying Fairly?

Last week, local news station KXAN ran a great story on the problems that consumers encounter trying to get insurance companies to pay their claims.  Unfortunately, I see this on a daily basis.  When you’re hurt or injured, insurance companies seem to employ the old deny, defend and delay tactics to try and minimize what you’re paid.

The person in this story was lucky.  After a battle, he thinks he received a fair payout without having to hire an attorney.  But most people who try to handle their own claims aren’t that lucky.  As lawyers, we know the tactics the insurance companies are trying to use against you, and we know the ways you can mess up your claim.  That’s why it’s reported that even insurance companies studies prove that claimants who have lawyers who can help guide you through the process end up with much higher recoveries, on average.

I urge you to watch the story below:

 

Posted on: July 15, 2014 | Tagged

Auto Insurance Isn’t All The Same

There’s an insurance company currently running television ads here in Austin (and I assume elsewhere) encouraging you to use them because “all insurance is the same” so use them and avoid the middle man.

That’s basically fraud.  All auto insurance isn’t the same.  There are different coverages to buy, different deductibles to consider, and a whole host of other traps that a consumer probably doesn’t even know exist.  And without an agent to help consumers navigate these issues, too many consumers unwittingly end up with low-coverage insurance that comes back to bite them.  That’s a problem.

To help address the problem, I’ve written a new booklet, Understanding Texas Auto Insurance: Top 9 Mistakes When Buying Your Auto Insurance.  You can order a free, hard copy by requesting a book through the “Speak to an Attorney” box.  Alternatively, you can download an electronic version starting on this page.

But please take advantage of this opportunity for free information to help protect you.

Great News! Number of High School Athletes With Concussions Doubles

Concussions are on the rise.  New research published in the Journal of Sports Medicine finds that the number of high school athletes who have suffered a concussion has doubled between 2005 to 2012.

This is great news!

Why?

Researchers think the reality is that the number of concussions is the same, but we’re becoming much more aware about the diagnoses.  That is good news.

We’re learning more and more about the potential short and long-term consequences of concussions.  For example, we know more now about second-impact syndrome — if a person has a second head impact (even one not very severe) while the brain still suffers from a head injury, it can lead to severe disability or death.

We’re also learning that for the brain to heal, it needs to rest.  As weird as it sounds, that means no electronics, no television, and limited thinking.  A kid can’t follow these instructions if the concussion isn’t diagnosed.

Unfortunately, I know first hand how important this is.  My son suffered a baseball related concussion in February.  While he’s fine now, it was difficult to see him suffer from the consequences — the headaches, the inability to focus, etc.  Fortunately, we had it diagnosed right away, we got instruction on how to rest his brain, and he healed (after five or so weeks).

Increased awareness can help increased the likelihood of a successful outcome for others as well.

 

If you or a loved one has suffered a concussion in a wreck or accident, please call us at 512-476-4944 to see if we can help.

Oil Boom Related Trucking Deaths Continue

I’ve been writing for almost two years about the driving dangers created by the Texas oil boom, especially those dangers in the Eagle Ford Shale region.  A new article about the increase of road deaths from the energy boom has me thinking about it again.  In the article, the Karnes County Sheriff noted that historically, they used to have wrecks serious enough to require air transport of victims only a few times per month.  Now, that’s happening three to four times PER WEEK.

These dangers come from all angles.  First, there is danger from the sheer volume of trucks.  Whenever I drive through South East Texas, I’m just shocked at the number of trucks on the road.

Second, where there are profits for pressure, trucking companies take shortcuts.  In the recent article, Karnes County officers acknowledge that the truckers are violating safety rules, including driving more hours than the law allows.  The Karnes County Sheriff cited two recent wrecks between school buses and trucks where the truck drivers acknowledged that they were just too tired.

Finally, the increased truck traffic is actually creating dangers by causing the roads to deteriorate.  The Texas Trucking Association admits that many of these roads weren’t designed for the amount of truck traffic being seen on those roads today.  The roads can’t handle the traffic, and it’s leading to all kinds of dangerous situations.

Unfortunately, I don’t have any good solutions for this problem, and it’s only a problem that will get bigger and bigger as the amount of miles continue to increase.

 

If you or a loved one has been injured in a trucking or automobile wreck, please let us help.  Call (512)476-4944 to set up an appointment.

Austin Police Chief Recognizes Austin’s Drunk Driving Problem

Austin has had a rash of drunk driving injuries in the last several months, including the huge SXSW wreck.

After Kelly Noel, a local popular blogger, was killed by a drunk driver this weekend, Austin Police Chief Art Acevedo is calling for a summit on drunk driving issues.  The article noted that fifty-five percent of Austin’s traffic fatalities this year involved drivers who were impaired by alcohol or drugs.

I don’t know whether a summit is the answer.  But I am encouraged by the discussion. Like alcoholism, recognizing you have a problem might be the first step in treating it.

Unfortunately, this larger problem only reflects what we’re seeing in our firm.  Over the last couple of years, we have been helping more and more clients who are being seriously injured by drunk drivers.  And while most of these cases have been late night wrecks, it seems there are more and more happening during the day.

This might be better for another article, but if you or a loved one has been injured by a drunk driver, and you’re looking for a lawyer to help, make sure the lawyer has ample experience in representing victims of DWI or DUI.  Most lawyers treat these as run of the mill car wreck cases.  But they aren’t.  There are a number of important steps and tactics that good attorneys utilize to help increase the value of your case.  Make sure you have a lawyer who can adequately represent you and your interests.

Where Are Most Of Austin’s Bicycle Wrecks?

The folks at the Massachusetts Institute of Technology Media Lab have used all that MIT brainpower to put together an interactive map showing Austin’s bike wrecks.

Using data from the Texas Department of Transportation, they’ve mapped over 1,400 wrecks to come up with this map.  Not only does the map show the location for the wrecks, but it also provides statistics on what roads have the most wrecks, and it allows you to see the Google Street View shot for each wreck location.

So what streets are most dangerous for Austin cyclists:  Guadalupe Street, South Congress Avenue, IH 35, North Lamar, South First Street, and East Riverside Drive.

Insure.com’s Rating of Best Auto Insurance Companies

This week, Insure.com, the self-proclaimed independent consumer insurance website, released its list of Best Insurance Companies based on customer satisfaction rankings.  The company surveyed 3,835 customers of 15 large insurers in auto, home, and health insurance, and 14 in life insurance.

The survey asked about:

  1. customer service
  2. claims satisfaction
  3. value for price paid
  4. percent who plan to renew
  5. percent who would recommend the company

Based on their responses, the top auto insurance companies were:

  1. USAA
  2. State Farm
  3. Farmers
  4. GEICO
  5. Auto Club of Southern California
  6. Nationwide
  7. Liberty Mutual
  8. Allstate
  9. American Family
  10. The Hartford
  11. Erie Insurance Group
  12. Progressive
  13. MetLife
  14. Travelers
  15. Mercury General

It’s important to note, having sued drivers covered by most of these companies, I would have a different ranking.  My ranking would largely be focused on what company is most reasonable in willing to admit when their drivers caused a problem, and who are willing to protect their customers by making fair settlement offers when their customers do something wrong.

Using my criteria, I’d put USAA, GEICO, Liberty Mutual, and Hartford in a top group.  I’d put MetLife, Nationwide, Travelers and State Farm in a middle group.  I’d put Farmers, Allstate, Progressive, and Mercury in a bottom group.

My criteria is certainly different than that used in the survey, but I also think it’s an important perspective when you’re buying insurance.  Heaven forbid, if you do cause a wreck, you want to make sure your company protects you.  When the company doesn’t offer enough and forces a lawsuit to be filed against you, then that’s likely the insurance company not doing its job.

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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