Auto Insurance Used in Accidents

Doug Goyen, AttorneyDoug Goyen, a Dallas auto insurance injury claims lawyer, has represented residents of Dallas, Texas who have suffered personal injuries as a result of car accidents since 1997. We’ve settled thousands of cases and recovered millions of dollars in settlements for our clients. The Law Office of Doug Goyen provides experienced, aggressive, and powerful representation for our clients. Our outcomes are proven. We collect the compensation for our client’s personal injury claims.

Please contact the Law Office of Doug Goyen at (972) 599 4100 or use our website contact form so that we can assist you. The consultation is free, and you will not be charged unless you win!

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Automobile Insurance Used in Car Accidents Injury Claims

In Texas, the following types of insurance are typically required and used in auto accidents and injury claims. See the descriptions and corresponding pages below.

1) Liability Insurance for Auto Claims:

All drivers in Texas are required by law to carry liability insurance. Auto liability insurance covers the damage you cause to someone else (property or injury) as a result of your negligence.

2) Uninsured Motorist (UM) and Underinsured Motorist (UIM) Insurance for Auto Claims:

Uninsured Motorist Coverage is insurance that is required to be offered and is used to pay for damage done to you by someone who is at fault but does not have liability insurance.

3) Personal Injury Protection:

Personal Injury Protection (PIP) is insurance that is required to be offered by liability insurance companies in Texas and is used to pay you, the covered person, for various expenses incurred as a result of an automobile collision.

4) Medical Payments Coverage or MedPay:

MedPay is optional insurance that can be added to an auto policy and typically covers a small portion of the covered person’s medical bills.

5) Collision, Comprehensive, Rental, and Towing Insurance:

Collision Coverage pays for damage to the covered person’s listed vehicle caused by a collision, with a deductible typically paid by the insured.

Comprehensive Coverage insures damage to the covered person’s listed vehicle caused by a variety of causes “other than collision,” such as theft, fire, and so on.

Towing Insurance will pay for the cost of towing your vehicle up to the limit specified in your auto insurance policy.

Rental Insurance pays for the cost of renting a car while your vehicle is being repaired under the terms of your auto insurance policy.

6) Gap Insurance: Gap insurance protects you if your vehicle is a “total loss” and you are “upside-down” on the note (what you owe) on it. It pays the difference between the current value of your vehicle (prior to the damage) and what you owe to the lienholder on that vehicle (such as at the bank, or car lot).

7) Umbrella Coverage: Umbrella insurance is a type of coverage that is sometimes purchased by people who require additional liability coverage in the event that their auto, homeowners, or other liability insurance are insufficient to protect their assets from claims made against the insured person or persons.

If you need a Dallas car accident lawyer for your automobile & injury insurance issues or another personal injury issue, call the Law Office of Doug Goyen at (972) 599 4100.

Call For A Free Case Review (972) 599 4100

Insurance Claim Disputes

Insurance disputes are only one aspect of filing an insurance claim. If you file a claim, you will almost certainly have a disagreement with the insurance company. Your insurance company (or the insurance company of the other person) is not in the business of paying claims. They are in the business of “not paying claims” – or paying as little as possible. They are a company, usually an incorporated company, with obligations to its shareholders or owners. The bottom line for shareholders is profitability, not whether they treat you fairly. Your case is just one in a long, long, long line of claims filed. They’ve heard every sob story about how the lights will be turned off, how your loved one needs surgery to save their life, how you’ll go bankrupt, lose your house, and end up on the streets before.

Unfortunately, the adjusters become immune to these requests for assistance. They really don’t care – they hear it multiple times a day, every day, and it’s gotten to the point where they despise these statements. When you hang up with them, the adjuster spins around in his cubicle, looking for a coworker across the way in their cubicle, and mocks how upset you were. Doesn’t that sound harsh? It is, but dealing with insurance adjusters is a fact of life.

We assist people in the Dallas, North Texas area who have insurance disputes and are looking to their insurance company to process a claim. We assist with coverage disputes, liability disputes, and other insurance-related issues. If you have been injured and your claim has been denied unfairly by your insurance company, please contact us. Our firm has experience both working for and against insurance companies. We can go over your options with you and assist you in obtaining an appropriate and timely result.

Uninsured or underinsured motorist claims, personal injury protection (PIP), nursing home claims, construction claims, disability claims, property and casualty claims, life insurance claims, homeowner and fire insurance claims are some of the areas we can assist with.

If you want to discuss your insurance claim, contact the car crash attorneys in Dallas at the Law Office of Doug Goyen at (972) 599-4100 or contact us online for a free initial consultation.

Call For A Free Case Review (972) 599 4100

Directions:  (Click the following link for directions to our Addison office:  Law Office of Doug Goyen)

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By Doug Goyen, douggoyen@goyenlaw.com

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