How to File An Injury Claim Against An Auto Insurance Company

Dealing With Insurance Companies After Wrecks

car accident on I-10 between Katy and Houston TX

Not every car accident is the same. Likewise, not every car insurance company is the same. The larger auto insurance companies have local adjusters and lawyers who work exclusively for them known as “captive counsel.” These people are employees of the company whose job is to minimize your claim and thereby minimize the amount the company pays out. Smaller and medium-sized insurance companies often are not large enough to have an adjuster in every city or a law firm on the payroll in every town. There are a number of ways the smaller and mid-sized insurance companies handle claims that range from in-house adjusters to contracting out claims to independent claims adjusting companies. It helps to have a Houston car accident attorney who is familiar with the insurance company handling your claim and how it is set up. This knowledge may play a role in determining the best way to pursue the claim.\

How to File Injury Claims Against Auto Insurance Companies

When you are injured in an accident that is caused by someone else in Texas, you have the right to file a claim against their liability insurance carrier to recover for the medical bills, lost wages, physical pain, mental anguish, physical impairment, and scarring that you may have endured from the wreck. To file a claim you (or your attorney if you hired one) can file a claim by finding the phone number for the other driver’s insurance company on the police report and calling them to set up a claim. Some insurance companies also allow online claim filing as well as via various applications.  You will need to gather documentation of your injuries and losses and provide this information to your lawyer to and/or to the insurance company.

They generally will not pay your medical bills as you are treating but rather force you to wait until the end to submit everything. You must find a way to pay for the medical care you need until you are released from care and the insurance company is ready to evaluate it and offer a settlement. You will need to prepare a demand at that time.

Insurance companies are counting on the fact that many people will stop seeking the care they need due to the upfront out-of-pocket costs.  You can prevent this by hiring a car accident lawyer who will issue you a letter of protection so that you can obtain the medical care you need without having to pay as you go.

What Tactics Will The Insurance Adjuster Use?

It has been our experience that many auto insurance companies of all sizes like to switch adjusters around, forcing the claimant to repeat themselves until they get frustrated and do harm to their own case. This is a common shared tactic of most insurance companies. However, not all of them employ the same tactics. A number of insurance companies use claims-adjusting software such as the infamous Colossus program to devalue your claim. Below are links to specific pages offering tips on dealing with some of the different auto insurance carriers when bringing an injury claim against an auto insurance company:

It helps to be familiar with the company and its specific claims-adjusting tactics before you try to pursue a car accident claim.

Unique Issues in Claims

There are many ways a car wreck can happen.  Below you can find more information on specific types of car accident claims:

Keep in mind that there are many reasons automobile accidents happen. There can be more than one cause of an automobile collision. Juries are often asked to sort out multiple causes and apportion liability among two or more drivers.

Other Frequently Asked Questions





If you have a personal injury case and would like to know whether it is something that our law firm can help you with, please fill out the form to the right and submit your information or pick up the phone and call us between 8:30 AM and 4:00 PM on Monday through Thursday and 8:30 AM  and 5:00 PM on Friday and out intake team can go help evaluate your case and determine who the best person is for you to talk to about your case. Consultations are 100% free and you have no obligation to hire us.


Simmons and Fletcher, P.C., rooted in Christian values, exclusively handles personal injury cases, advocating for the rights of accident and negligence victims. Our Houston-based team, dedicated to compassion and excellence, handles cases across car accidents, motorcycle accidents, truck accidents, slip and falls, dog bites, and other types of cases with a commitment to personalized care. Upholding integrity and client-focused service, we strive for impactful legal outcomes. For a detailed understanding of our approach and team, visit our attorneys page.

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