How to Navigate Insurance Claims for Personal Injuries in Dallas, TX
Personal injury claims are tough enough on their own—but dealing with the insurance companies can add a whole new level of frustration. Insurance companies in Texas, including those in Dallas, operate with one priority: protecting their bottom line. That means even if you have a valid claim, they may do everything they can to reduce your payout. Knowing how to navigate this process is crucial to getting the compensation you deserve.
This guide will walk you through the essential steps and considerations to successfully handle an insurance claim after a personal injury in Dallas, TX.
Step 1: Report the Injury Immediately
The first step after any personal injury accident is to report it as soon as possible. This could be to a property manager, the police, or an employer, depending on where and how the incident occurred. You must also notify the relevant insurance company—whether it’s auto, homeowner’s, or business liability coverage.
Delays in reporting reduce credibility. Insurance adjusters may argue your injuries weren’t serious if you didn’t act quickly.
Step 2: Get Medical Attention and Document Everything
Always seek medical treatment after an injury, even if you think you’re fine. Some symptoms can take days to appear, and medical records are vital proof for your claim.
Document everything, including:
- Medical visits, diagnoses, and treatments
- Photos of injuries and accident scene
- Receipts for medical costs
- Time missed from work
- Any communication with the insurance company
Step 3: Understand Texas Personal Injury Laws
In Texas, personal injury cases operate under modified comparative negligence rules. This means your compensation can be reduced if you were partially at fault. If you are found to be more than 50% responsible, you cannot recover any compensation.
Additionally, Texas has a two-year statute of limitations for filing personal injury claims. If you miss that deadline, you lose your legal right to pursue compensation.
Step 4: Be Cautious When Talking to Adjusters
Insurance adjusters are trained to minimize what their company pays out. Even innocent statements like “I’m feeling better” can be twisted against you.
Tips when talking to adjusters:
- Never give a recorded statement without legal advice
- Don’t admit fault or speculate on injuries
- Stick to facts and avoid casual conversation
Step 5: Build a Strong Claim
A solid claim is built on solid evidence. The more information you have, the harder it is for the insurance company to deny or lowball your claim.
Strengthen your case by:
- Collecting witness statements
- Using police reports and medical records
- Getting expert opinions if needed (e.g., accident reconstruction)
Step 6: Know the Value of Your Case
Insurance companies often offer far less than what your injury is actually worth. To counter low offers, calculate all of your damages:
Include:
- Emergency medical expenses
- Long-term therapy or rehabilitation
- Lost wages and loss of future income
- Pain and suffering
- Property damage (if applicable)
Step 7: Be Strategic About Settlement Offers
You are not obligated to accept the first offer. In fact, the first offer is usually a test to see if you’ll settle quickly. Always review offers carefully and compare them to your actual losses.
If you feel pressured or confused, it’s a sign you need legal help.
When to Involve a Personal Injury Attorney
While you can file a claim yourself, certain situations call for a personal injury lawyer in Dallas:
- Your injuries are severe or require long-term care
- The insurance company delays or denies your claim
- You’re offered a lowball settlement
- The at-fault party disputes liability
McGilberry & Shirer LLP offers the aggressive legal support you need to level the playing field against powerful insurance companies.
Why Dallas Accident Victims Trust McGilberry & Shirer
With over 60 years of combined experience, McGilberry & Shirer LLP has helped more than 10,000 injury victims recover fair settlements. Whether you’re up against a major insurer or a negligent property owner, we guide you through every step of the process and fight for full and fair compensation.
We handle all types of personal injury claims, including:
- Car accidents
- Motorcycle and truck accidents
- Bicycle injuries
- Slip-and-fall claims
- Wrongful death cases
If you’re dealing with a personal injury claim in Dallas, don’t let insurance companies take advantage of you. McGilberry & Shirer LLP is ready to fight for the compensation you deserve. Our team provides unmatched support, 24/7 availability, and proven results. Get the legal power you need on your side today.
