Yes, you can handle your own property damage claim. I have written a blog on the 5 steps to handling your own property damage claim in Texas. Typically, if you follow those steps, you will have your property damage claim finished in no time. However, I want to make you aware of a few pitfalls with handling your own property damage claim in Texas.
Is liability in dispute?
If liability is in dispute, do NOT give a recorded statement to the adjuster. You will want to speak with a lawyer first. The reason you will want to speak with a lawyer before giving a recorded statement is to understand what will happen on that call. As I describe in my free book on personal injury claims in Texas, the adjusters are highly trained to save their company money. If they can get you to agree to any potential liability on your end, they can refuse to pay property damage on a disputed claim or reduce the amount you will get by your percentage of responsibility. Then, when you get a lawyer involved, the damage is already done.
What are you releasing?
Another word of caution on handling your own property damage claim is to be mindful of the release you are signing. Once you receive an amount from the insurance company, you will have to sign a release to get your check. When you get the release, make sure that you are only signing away the property damage claim and not the personal injury claim. The reason I am stressing this point is that you may not know the day after a wreck if physical injuries are involved. Some concussions take days and weeks to avail themselves. Do not sign away your rights to a valid claim for damages if you don't have to.
Have you been to a doctor?
I always encourage folks to seek medical attention after a wreck. It is important to make sure to allow time to rule out serious injuries. Go seek professional medical attention and re-assess your health routinely. If you are in pain, have a headache, or don't know what is going on, seek medical attention. If you don't know what to do, reach out to us. We are here to help guide you through this process to get better and back to 100%.
Don't be afraid to ask for help.
Finally, the most important thing to keep in mind is to ask for help if you have questions. That is what we are here for. There may not be anything we need to do, but it will help to make sure you are not signing away your personal injury claim. If you have any questions about this or any of these pitfalls in your Dallas, Houston or Midland claim, give us a call or order my free book called The Essential Guide For Your Texas Injury Case. It will help walk you through what a personal injury or wrongful death claim is in Texas as well as how to find the best lawyer for your injury case.