So, You Want To Try and Handle Your Texas Car Accident Claim On Your Own?
The forms on this page are meant to help you if you have been involved in a Texas car accident. If you have been involved in an accident elsewhere, the information provided may be inaccurate.
If your injuries are minor, such as sprains or strains, chiropractic treatment or in other words, there were not broken bones, blood, loss of life or surgery involved, you may be able to handle your claim without hiring a lawyer. Of course, you can always hire a lawyer but on smaller cases, the amount of money that you are able to put in your pocket may be more when you handle the case on your own than if you hire a lawyer.
When conquering the insurance companies, documenting your file is important. The following forms are here for you to download and use as you settle your claim:
Limited Medical Authorization Form
The insurance adjuster may ask you to gather your medical records related to the accident. Rather than signing an authorization from the insurance company, provide them with this form that will limit the records they can obtain to those from treatment you received for the injuries you sustained in the accident rather than a general authorization allowing the insurance company to gather any and all of your medical records regardless of whether they are related to your injuries or not.
Wage Salary Verification Form
If you missed work as a result of an accident and plan to claim those lost wages, the insurance company will request an authorization from your employer. This form will allow you to present this to your workplace limited in scope to time missed and wages lost as a result of the accident rather than carte blanche to your entire employment file.
Mock Settlement Demand Form
The insurance company will only make one settlement. It is important to submit a settlement demand once you have completed treatment for any injuries sustained as a result of the car accident. The documentation should also include medical records, billing statements, lost wages, any and all out-of-pocket expenses, photographs of the scene, witness statements and any other documentation to show pain and suffering you may have endured as a result of the accident. The settlement demand should also be in a thorough, outlined and story format.
Release and Settlement of Claim Form
Once you have agreed on a settlement amount with the insurance company, you will be asked to complete a Settlement and Release Agreement. By signing this form, you will be releasing the person who hit you from all future claims. It is important to read the language and fine print very carefully to ensure you understand what you are responsible for. The form attached is just an example of one used by many insurance companies.
Hopefully, these forms are helpful when you are considering handling your Texas car accident claim on your own.