Watch What You Say
It may be unavoidable to speak to the insurance company following an incident, especially if it takes place on the road. If you have even the slightest inkling that you may need some money out of the deal, you need to be very careful about what you say when you speak to them. This would be true even if the insurance company had no ulterior motives, but rest assured that they do. They are experts at this situation and they will do what they can to have you exonerate them of responsibility. If you have decided to negotiate a settlement yourself (a decision that may not be wise), you should do it in writing. If ever in doubt about the process, you would do well to contact a personal injury attorney.
Fault Dispute
Any time there is a dispute as to who was at fault for an accident, you would be wise to bring a personal injury attorney in on the discussion. You aren't going to get anywhere by arguing your own case to the other party or their insurance company. You don't have the money or the means to conduct a thorough investigation. A lawyer knows how these cases are handled and they know how to prove a point. If you have a good argument for why negligence or malicious intent caused your injuries, you deserve a settlement of some kind. But unless you can prove your case, you're not going to get one.
The Uninsured
The worst type of situation arises when you are injured at the hands of someone who has no insurance. Now you're in a predicament. The other party, if indigent, will not be able to compensate you for your injuries. A personal injury attorney should be able to recommend a course of action. You may have more options than you think, especially if you are facing a business owner.
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Houston Car Accident Attorney