What is an accident? It is an unforeseen event. Not planned, but not necessarily truly unexpected. We all know when we get into a car that we might have an accident. That is why Texas law requires us to have automobile insurance. It means that if the accident is our fault, our insurance company will pay compensation to the other driver. Conversely, if the accident was the fault of the other driver, his or her insurance company will pay compensation to us.
Oh, if only things were that simple! Be involved in an accident, put in a claim to the insurance company, and back comes a check!
If you believe that, you’ll believe anything. Certainly, all of the insurance companies’ advertising makes it seem that easy. That is, until you put in a claim.
Nothing could be further from the truth. If you have ever had to put in a claim yourself, you will realize that putting in the claim is more like a declaration of war. The fact is that insurance companies do NOT like to pay out. Period. And they will do everything that they can think of in order to try to reduce your claim to the lowest possible amount, and preferably to nothing at all.
It is actually very simple math. Insurance companies (not just in Texas, but anywhere) make their money by charging you a premium for providing you with the cover that you need. So far, so good.
However, every time they make a payment, that money comes off their bottom line. So, the more that they have to pay out, the less profit they make. In an ideal world, as far as insurance companies are concerned, they would sit there raking in premiums and pay out nothing at all. As we have said before, trebles all round at the office Christmas party!
So, it follows that, despite what they tell you in their advertising, when it comes to making a claim, they are going to do everything possible to avoid paying you, or at least paying out much less compensation than you deserve.
And that is why you need us at Javier Villarreal Law Firm to act on your behalf because we can fight them for you on level terms. Our accident attorneys know as much about the law as they do. If you try to fight them on your own, their very expensive accident lawyers will run rings around you. And, yes, they do employ every expensive lawyers because if they pay a lawyer, say, $1 million a year in fees, and that lawyer can save them $5 million that they would have otherwise had to pay out, they are laughing all the way to the bank.
So, if you have been involved in an accident, don’t talk to their lawyers. Talk to a Brownsville Accident Attorney, Javier Villarreal, instead.