Reader’s Question:

I have availed a Car Insurance for so many years now but then it is still confusing to me what will happen if I had an accident, how can I use my car insurance? What are the things to do when filing a claim here in Texas and what are the things to expect?

Christy

Arlington, TX

If an insured driver has had an accident, he should file for a claim in his or her car insurance company. There are things that the car insurance company has to follow whenever there is a claim from a driver. If the auto insurance company was not able to follow these rules, then they have to deal with the Texas law.

The first rule the car insurance company should do is to respond within 15 days starting from the day they had received your letter of claim followed by the details of your loss during the accident and then after submitting the documentation of the accident, the company has another 15 days whether to accept or reject your claim. If the car Insurance Company decided to accept your claim and agrees to pay, they will send you your check within 5 working days. If your car insurance company cannot meet these so called deadlines they have to at least send you a notice that explains things and then they have 45 days to accept or reject your claim. But you have to know if the other driver’s insurance is going to pay the claim for the prompt payment law does not apply if this thing happens. Car insurance companies in Texas should still act properly to make a fair settlement.