Houston Car Accident Tips & Useful Information

How Does Personal Injury Protection Affect My Lawsuit?

Personal Injury Protection (PIP) is a type of insurance that ensures that you are reimbursed by your insurance company for any damages or losses that happen in the event of a car accident. PIP also guarantees that this reimbursement happens regardless of the cause of the incident, without needing any proof of liability. It is an optional measure to take ...

Houston Attorney for Lawsuit Against Farm Bureau Auto Insurance

Getting into a car accident can be an incredibly traumatic experience. The injuries you sustain, both physical and psychological, can carry some grave consequences. They can impact every facet of your life, both at home and in the workplace. It often means you will need to make an insurance claim. If you live in Houston, Texas, then it's likely your ...

Houston Attorney for Lawsuit Against State Farm Auto Insurance

State Farm is the biggest provider of auto insurance in the United States. Surely that means they're doing something, right? Not necessarily—the auto insurer has faced a wave of lawsuits in recent years. If you have State Farm, you may not be getting the fair treatment you thought you were, meaning you could have grounds for a lawsuit. Litigation Against ...

What Auto Insurance Companies Use Colossus Claim Adjusting Software?

Colossus Claim Adjusting Software is becoming increasingly popular, with most of the top auto insurers using it to calculate the amount they need to pay out to settle a car accident claim. Since this amount depends on the specific data regarding injury and treatment, it's essential that every detail of a patient's treatment is in the system and reflected correctly.  ...

How Does Liability Insurance Work in Texas?

Liability insurance is a kind of coverage that prevents the owner from paying for damages or injuries to other people or property. It covers payouts or legal costs that an injured party tries to claim, meaning that the owner does not have to pay out of their own pocket for any issues that have occurred.  This is different from most ...

What is an Auto Insurance Intentional Act Clause?

Car insurance liability coverage laws in the state of Texas are at best confusing and at worst incredibly flawed. In short, car liability insurance may not cover you if you have been hit intentionally by another driver.  Here we'll take a look in more detail at what intentional acts are defined as in motor insurance policies, and what you should ...

Houston Attorney for Lawsuit Against Liberty Mutual Auto Insurance

Being in a car crash can be a traumatic and stressful experience. With over 6 million car accidents happening every year in the USA alone and causing 3 million injuries, it's a situation that you or a loved one could easily find yourself in one day, no matter how careful and safe you are. If you are in a situation ...

How Do Car Insurance Companies Calculate Diminished Value in Texas?

Ever wonder how insurance companies decide how much your car is worth after an accident? It's a fair question.  When you get in a car wreck and your vehicle gets damaged, its value depletes. The worse the damage, the more it drops. Buyers won't want to pay as much for a car that's been damaged (even after repairs), and dealers ...

How to Implement the Stowers Demand Letter in Texas

Anyone involved in a car crash knows that the next step is for their insurance (and possibly lawyers) to get involved. You have to file a claim, have the car accident assessed, and get a sum of damages determined. Only then will the insurance company pay up—most of the time. In some cases, it's necessary to get a law firm ...

Houston Attorney for Lawsuit Against General Auto Insurance

At the Stephens Law Firm, we know that navigating insurance after a car wreck is stressful. Every insurance company is different and requires a unique approach. One you might recognize is The General. The agency is recognizable for its commercials featuring a cartoon military general. For many drivers, it's a popular choice, but it is not without its issues.  The General Has ...

Houston Attorney for Lawsuit Against Farmers Auto Insurance

Farmers Insurance Group might know a thing or two, as their notable slogan goes; however, are they really for you? As a multi-billion dollar company, Farmers Insurance has a lot to show for, but their promise to keep clients' best interests at heart might be lacking.  According to the American Association for Justice (the AAJ), their recent report on the ...

Houston Attorney for Lawsuit Against Fred Loya Auto Insurance

Fred Loya Insurance is one of the branches of The Loya Insurance Group. The group includes several insurance companies that have offices throughout Texas and other states. Fred Loya is known for offering the legally minimum amount of coverage in their policies. Because of this, interacting with their office after a car wreck can be difficult.  At The Stephens Law ...

How Do You Determine Who is At Fault in a Multi-Car Accident?

Determining fault in a two-car accident can either be complicated or straightforward, depending on the specifics. Even if the situation seems to be pretty obvious, there are still two versions of the same story that need to be interpreted. Multi-car collisions, like a multi-vehicle pile-up or a chain-reaction car accident, are even worse. You may need to plead your case ...

Houston Attorney for Lawsuit Against Progressive Auto Insurance

Six million people are involved in car wrecks every year in the United States. That's roughly 1 out of every 50 people. One in 3 people report that they text while driving, which increases the risk of collision by 23%. Wouldn't it be nice to know that there's a trustworthy insurance provider that's willing to compensate you on behalf of ...

Is a Verbal Agreement to an Insurance Settlement Binding in Texas?

Often, many insurance adjusters' tactic after a car accident is to immediately call their opposition, using the conversation to then manipulate them into an agreement that will likely leave the injured person with an awful settlement. There is nothing in Texas law that states an agreement has to go further than a simple conversation for it to become legally binding. ...

Houston Attorney for Lawsuit Against Safe Auto Insurance

Safe Auto is a major insurance company that sells automobile policies across multiple states within the US. Founded in 1993 and privately-owned, they built their reputation on accepting all drivers. However, they now face a slew of lawsuits for their ‘minimum limits’ coverage. What Are the Safe Auto Insurance Policies? Different insurance companies can issue different kinds of policies. So, ...

Houston Attorney for Lawsuit Against Germania Auto Insurance

Houston is a sprawling metropolis with highways and interstates interconnecting for millions of travelers each year. These roads can be the site of a car accident that will set you down the windy path of insurance claims navigation. Regardless of who is at fault, you will have to work with insurance companies for any damages.  But insurance companies don't always ...

Houston Attorney for Lawsuit Against Nationwide Auto Insurance

If you've ever been in a car accident, you know that it can be a terrifying, confusing, and disorienting time. Aside from the physical turmoil of the actual accident, the aftermath of the crash can leave you emotionally drained as well. Finding time to deal with police reports, insurance claims, hospital bills, not to mention physical and emotional damage, can ...

Houston Attorney for Lawsuits Against Mercury Auto Insurance

Car accidents and other crashes can be a hugely traumatic experience. 33,654 fatal crashes occurred in the US in 2018 alone, and hundreds of thousands more resulted in injuries or damages. With these figures, you or someone you know have likely felt the direct impact of one. If you find yourself in this upsetting situation, it can be challenging to ...

Houston Attorney for Lawsuit Against GEICO Auto Insurance

Founded in 1936, GEICO is a leader in the auto insurance industry. They are the second-largest auto insurance company in the United States, insuring over 15 million drivers.  With this vast amount of coverage, GEICO has several claims active at any given time. And while it seems like they are there to provide fair compensation when you are involved in ...