Legal Question in Insurance Law in Texas

Re: My legal Rights against insurance Companies

You should speak with an attorney regarding this matter. Insurance companies will sometimes deny your claim in hopes you will file a claim against your own insurance company. Speak with an attorney regarding the accident and bring copies of all communications: emails, letters, repair quotes, medical bills, towing receipts, etc so he/she can review them.

Re: My legal Rights against insurance Companies

Your situation proves yet again that insurance companies have no interest in truth or fairness; they just want to get out of paying whenever and wherever they can. The police officer, after making his investigation, speaking with the parties and any witnesses, and surveying the scene, concluded that the other party ran the red light. That should settle it. But because the insurance company knows that they can get away with denying liability and forcing you to hire an attorney, they have made the economic decision that, even if they have to pay later, it is more profitable for them to pay later rather than now. Your only recourse is to hire a lawyer and sue the other driver. So, you see, the so-called "lawsuit explosion" is actually caused by insurance companies refusing to pay legitimate claims. It is tragic that insurance companies think they are in business only to collect premiums and not to pay benefits, but your case is just one more example of that reality.

Re: My legal Rights against insurance Companies

I'll piggyback on what my peers have already said. Get an attorney as soon as possible and bring all of your paperwork with you. Don't talk to the insurance adjuster any more, it won't do any good at this point.