Fred Loya Insurance writes insurance policies for thousands of drivers in Texas, all the while having hundreds of adjusters and appraisers employed that can make your claim a nightmare without an attorney.
Many insurance companies basically take advantage of people who have been injured in a car or truck accident and do not understand they can hire an attorney to help.
Fred Loya Insurance (like all profitable insurance companies) is well-versed in beating your claim down, denying claims, and asking tricky questions. It is a well-oiled machine pumping out crappy settlement after crappy settlement to claimants who don’t hire an attorney to help them.
Many injured people have found themselves shortchanged or slighted when filing a claim with Fred Loya Insurance without an attorney. Most insurance companies use bully tactics to deny, delay, or defend claims being brought by accident victims, and Fred Loya Insurance is one of those big, profitable companies.
My law firm has handled numerous injury claims against insured drivers who held Fred Loya Insurance policies, both in litigation and pre-suit.
What You Should Do After Your Car Accident
After a car accident, things can be very upsetting and hectic. You must try to remain calm. Instead of focusing on what caused the accident, it’s important to focus on how to respond.
- Immediately after a car accident, your goal should be safety.
- Check for injuries and call 911 if anyone is seriously hurt.
- Next, you should exchange information with the other driver(s). Any and all conversations should be limited to making sure everyone is okay and then gathering relevant names, contact information, insurance provider details, policy numbers, and other pertinent details.
- You should take photos of the scene of both vehicles’ property damages.
- Independent witnesses are crucial and can even make or break a case, so it is also a good idea to jot down the names and phone numbers of any witnesses who may have seen the wreck.
- Avoid apologizing or admitting fault, as doing so could be used against you.
You should also call the police so an official accident report can be filed. The police will ask you for details regarding the car accident, and you should respond truthfully while also being an advocate for yourself and your passengers.
Filing a Claim With Fred Loya Insurance
After the police assure you it’s okay to leave the scene of the car accident, it is important for you to contact our law firm to get the proper advice on what to do next. If the person who caused the accident and your injuries is insured by Fred Loya Insurance, you will eventually have to contact Fred Loya Insurance and let them know you were in an accident and set up a claim.
Beware of those tricky recorded statements!
People who work for the insurance company may pretend to be on your side, but they are not! They are trained to ask tricky questions that can damage your future injury claim. An experienced personal injury attorney will help you better understand the claims process and can offer you essential advice on how to maximize your future injury settlement.
Saying the wrong thing in a recorded statement can be devastating to your claim and it can drastically decrease the amount you can receive for damages.
The adjuster will probably want to know all the details regarding the collision. If you were not at fault, you must be 100% firm that this accident was the other party’s fault!
This is why it is always best to call an attorney before you contact an insurance carrier, especially before you speak to a tricky insurance adjuster from Fred Loya Insurance.
State of Texas Car Insurance Laws
Texas is a “fault” state, meaning a victim can file an insurance or personal injury claim against the other “at fault” driver.
There are two types of insurance claims:
- Property damages
- Personal and bodily injury damages
If it is determined the other driver is at fault, the other driver's insurance carrier should be held responsible to pay for the expenses incurred. If there are discrepancies over fault and no clear determination can be made, costs will be distributed proportionally based on the percentage of fault.
Speaking with an experienced attorney about your potential case is crucial before you make any mistakes.
What You Need to Know About Filing an Injury Claim
Regardless of your driving history, car accidents happen every day all over our state and country. Some are minor and some are fatal.
While the most cautious and responsible drivers can’t avoid accidents 100% of the time, you can prepare for them by understanding how the claims process works.
When filing a car accident claim, be prepared to answer detailed questions regarding the accident. Be prepared to talk about both property damages and bodily injury damages. If you say you aren’t hurt in your initial call, this may come back to bite you later!
While you should be honest and forthright with information, there is a right and wrong way to go about the process. Speaking too soon and too freely (without legal counsel) can enable any insurance company to gain an upper hand or position of power.
An experienced accident lawyer can properly advise you on how to proceed and watch out for your legal rights. Our law firm has walked hundreds of injury victims through recorded statements and/or depositions.
Have a question about an injury or legal issue?
If you have been injured in a wreck, please seek professional medical attention ASAP.
Enter your information with a brief description of your legal issue.
Once your inquiry is submitted, Gregg will respond to you the same day to discuss your legal case.
During the consultation, we will determine if your case or claim will be accepted by our law firm.
If you believe your inquiry is an emergency, you may text your information to 832-797-7600 for a quicker response.