Insurance Claims

Traffic Injury Cases

The most common personal injury claims involve auto accidents and driving related injuries. The heavy traffic on the streets of Austin is one of the main causes for the increasing incidents of these injuries.

Work-Related Injury Cases

Workplace injuries and workers’ compensation cases are also quite common. These types of cases are generally caused by negligence. That party can be a co-worker, supervisor, employee, another party at the workplace, or even the injured plaintiff.

Industrial Disease Injury Cases

This type of case occurs when a person has been exposed in the work environment to a substance or chemical that is causing health problems. The cases are usually related to work involving asbestos exposure.

Slip-And-Fall Injury Cases

These cases can occur anywhere. The locations are usually stores, malls, and retail establishments. These cases are often complicated and not as routine as may be assumed. It is extremely important to obtain an incident report before leaving the scene, and to get legal assistance in bringing this type of injury claim.

Fatal Accident Injury Cases

Accidents leading to the death of a party unfortunately happen more than generally assumed. An example might be an automobile or boating accident, or the collapse of a facility like a building or a stage in a recreational venue, or an injury related to a sporting or recreational event like skydiving, or hang-gliding.

The Need for Personal Information

When you enroll for coverage, the insurance carrier will request you to provide them with certain personal information. This information will be used when you purchase an insurance policy so they can establish you as a policyholder. One reason for this need is to identify and disqualify any applicants with a history of frequent insurance claims, which are often spurious in nature. The insurance carrier shall maintain the privacy of each customer and protect the customer’s personal information.

The requested personal information usually includes:

• Name, address, social security number. Past addresses may also be requested.
• Prior transactions with the concerned insurance carrier, such as payments of premiums or submission of claims.
• Medical records from doctors, hospitals, present and past employers, and other insurance carriers, especially concerning claims.
• Credit bureaus, insurance reporting agencies and relevant government agencies.

Uninsured or Under-Insured Motorists

If you or a family member has been injured in an accident involving someone who is uninsured, that can be a nightmare. In Texas, you can purchase Uninsured Motorists coverage, but sometimes the cost can be prohibitive.

If you don’t have this coverage but you find yourself a victim of a hit-and-run or a driver who has proven to have no insurance, trying to get them to pay your medical bills and damage is difficult under the best circumstances. It’s estimated by the Insurance Research Council that approximately 15% of Texans are uninsured.

Under-Insured drivers represent a large portion of the population who only purchase the minimum coverage that allows them to be legal on the road and not a penny more. While Texas increased their required minimum from $25,000 to $30,000 a few years ago, it’s still not much if your family of four was slammed into and everyone has severe or debilitating injuries.

Many times, victims of injuries stemming from accidents don’t know that they are entitled to more compensation than the insurance companies offer. For example, if you are injured to the point where you have to hire help to take care of your children, clean your house, and prepare meals, you are entitled to have that help paid for by the negligent party. There are many variables to personal injury claims that need careful research by a respected law firm to ensure you are fully compensated. Contact Zinda Law Group today to speak with a Dallas Personal Injury Attorney about your situation.