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First-party insurance claims arise when policyholders file claims with their own insurance
company rather than pursuing compensation from another driver’s insurer. In Texas, first-party
claims are important for covering medical expenses, property damage, and other losses
regardless of fault. A basic knowledge of how these claims work, the types of coverage
available, and the legal considerations involved can help policyholders maximize their
compensation after an accident.
Insurers may deny claims due to policy exclusions, missed deadlines, or disputed
liability. Policyholders can appeal denials by providing additional evidence or hiring an
Attorney.
Texas law requires insurers to process claims promptly. If an insurer delays payment
without a valid reason, policyholders may be entitled to penalties and interest under the
Texas Prompt Payment of Claims Act.
Insurance companies may offer settlements lower than the actual damages incurred.
Policyholders should negotiate and, if necessary, consult legal professionals to ensure fair
compensation.
As an insurance policyholder in Texas, you have important rights designed to protect you against a confusing system and get you paid within a reasonable timeline. Here’s a look at some of the important protections in place for you:
Insurance claims can take many forms following an accident or death in Texas, with the two most common being first-party and third-party:
First-Party Insurance Claims – These are filed with your own insurance provider under
coverages such as personal injury protection (PIP), UM/UIM coverage, or collision
coverage. These claims provide direct compensation, typically regardless of fault. First-party claims are generally processed faster but may have policy limits.
Third-Party Insurance Claims – These are filed against the at-fault driver’s liability
insurance. Since Texas follows an at-fault system, the responsible driver’s insurer must
pay for damages such as medical bills, lost wages, and emotional trauma. Third-party claims require proving fault but can result in far higher compensation, including full financial recovery for medical costs, lost income, and pain and suffering.
Policyholders should consider hiring a Texas bad faith insurance attorney if they face wrongful
claim denials, delayed payments, or settlement offers that fail to cover their losses. Legal
professionals can negotiate with insurers, file bad faith lawsuits, and pursue additional damages
under Texas law. Pursuing first-party insurance accident claims in Texas can be complex, but with legal assistance from an experienced first-party insurance accident attorney, policyholders can obtain the compensation they are entitled to.
If you have been injured in an accident, the experienced legal team at Trust Guss Injury
Lawyers can provide you with the client-centric representation you need for full financial recovery.
To schedule your free consultation, call us 24/7 at 888-298-4070 or contact us online.
2 minute response
24 hours a day, 7 Days a Week
Dedicated Trust Guss Intake Team