Houston Auto Insurance Lawyer
Joe is one of the few Texas lawyers that is double board certified.
“No Legal Fees Until Joe Wins Your Case”
Content Reviewed by: Joe Stephens
If you’ve experienced an auto accident in Houston, Texas and find yourself in a dispute with your insurance company, it’s crucial to have a skilled auto insurance attorney by your side. Navigating claims with major insurers—whether it’s Progressive, Allstate, or Fred Loya—can be a daunting task, especially when they delay or deny fair compensation. The Stephens Law Firm is here to help you take on these companies, advocating for the justice and compensation you deserve.
Why Hire The Stephens Law Firm?
With decades of experience handling auto insurance disputes, Joe Stephens is committed to achieving the best outcomes for his clients. As one of the few double board-certified personal injury lawyers in Houston, Texas, Joe is well-versed in the tactics that insurers use to undercut claims. Here’s why you should consider The Stephens Law Firm for your case:
- Free Consultation: We offer a free initial consultation, allowing you to discuss your case without any financial obligation.
- Contingency-Based Fees: You don’t pay legal fees until we win your case. This ensures that our interests are aligned with yours—we only succeed if you do.
- Personalized Representation: As a small firm, we’re able to give each client the personalized attention they deserve. We understand that every case is unique, and we tailor our strategies to meet your specific needs.
- Aggressive Yet Fair Negotiators: We are known for being aggressive but fair negotiators. We fight hard for your rights and strive to secure the compensation you deserve.
- Proven Track Record: Joe Stephens has been recognized for his dedicated representation of accident victims for nearly four decades. His extensive experience in accident and injury cases means you’ll be in capable hands.
We Have a Reputation for Results
Our firm is built on a foundation of reputation, experience, and results. When we fight, you win. We are dedicated to meeting the needs of our clients and offering superior legal services throughout the process. Here are some testimonials from our clients:
“I can’t recommend Stephens Law Firm highly enough. Following my car accident, I was concerned about getting help since it occurred in my company car. However, Joe and his team were incredibly thorough and supportive throughout the process. They fought tirelessly to ensure I received every dollar I deserved. Stephanie’s expertise and dedication were exceptional. Thank you, Mr. Stephens, for your outstanding service!”
– Elise Escarramán
“Joe and his team were on top of my case every step of the way. When decisions needed to be made they presented me with everything to make an informed decision but never tried to sway me one way or the other. Great team.”
– Susan Taylor
“I would 100% refer- The Stephens Law Firm! The Staff, very professional, courteous, and quick to get back to me! The Attorney, Mr Joe Stephens is excellent, very professional, listens and takes his time to understand the issues.”
– Tricia Covington
Tackling Major Insurance Companies
Insurance companies can vary significantly in their approach to handling claims, from the tactics they use to the policies they offer. At The Stephens Law Firm, we’re familiar with these variations, having faced down both local providers like Germania and national insurers such as State Farm. We adapt our strategies based on the unique practices of each company, so you can rest assured that no matter who you’re up against, we have the experience and knowledge to advocate for your rights effectively. Here’s what you can expect when dealing with some of the most common insurers:
Progressive Auto Insurance
Progressive auto insurance is often criticized for its poor customer service and inadequate accident coverage, leading to challenges for individuals involved in car accidents. If you’ve been involved in a collision with a driver insured by Progressive, you may find that seeking compensation requires navigating a complex claims process. Here are some essential factors to consider when dealing with Progressive:
- Proving Your Claim: To get reimbursed, you’ll need to provide evidence of various costs, including:
- Medical expenses for any treatment related to the accident
- Lost wages due to time off work, supported by a doctor’s note
- The fair market value of damaged vehicles
- Hospital bills for medical charges incurred
- Documenting Pain and Suffering: Proving pain and suffering can be particularly challenging, as this is a personal experience that adjusters cannot fully appreciate. Without proper documentation, such as therapy bills or medical records, securing the compensation you deserve can be difficult.
- Legal Representation: Given that Progressive employs salaried in-house attorneys who can devote significant time to defending the company’s interests, it’s crucial to build a strong case. If the initial settlement offer is inadequate, filing a lawsuit may be necessary to pursue the compensation you are entitled to.
- Signing a Release Form: Always have an auto insurance lawyer review any documents before signing. Insurance companies typically require a release form before paying out compensation, and any unpaid accounts may be deducted from your settlement.
Navigating the complexities of a claim with Progressive can be daunting, especially while managing the emotional aftermath of an accident. Consulting with an experienced auto insurance dispute lawyer can provide the guidance and support you need to effectively advocate for your rights.
Allstate Auto Insurance
Filing a car accident claim with Allstate Auto Insurance can be more challenging than expected. Although you may think the evident damage and injuries would ensure a straightforward compensation process, Allstate is known for attempting to minimize payouts. You’ll likely need a skilled auto insurance claim lawyer in Houston to strengthen your case and secure fair compensation. When dealing with Allstate, it’s essential to know the following:
- Allstate’s Claim Practices: Claimants often find that Allstate offers insufficient compensation for damages, whether for vehicle repairs or minor to severe injuries. Even though Allstate simplifies the initial filing process, they may delay payouts for months or even years, especially when liability is contested. This can leave victims covering medical and repair costs while awaiting reimbursement.
- Steps to Strengthen Your Case:
- Familiarize yourself with Allstate’s claim procedures. Following these precisely and submitting accurate documentation can make or break your case.
- Hire an experienced auto insurance lawyer to help gather necessary evidence and advocate on your behalf, ensuring all procedural requirements are met.
- Keep meticulous records of your accident details, related expenses (like medical and repair bills), and any lost wages if you missed work.
- If you have injuries, follow your healthcare provider’s instructions to support your claim and recovery.
“I was in a really bad accident caused by someone who was insured by Allstate. Allstate immediately gave me the run around from the very beginning so I decided to hire Mr. Stephens. They made everything so easy and helped get the treatment I needed. They fought really hard against Allstate and got me big money.” -Leyla Reyes
By securing strong legal representation, you can navigate Allstate’s claims process more effectively, giving you the best chance at receiving the compensation you deserve.
State Farm Auto Insurance
State Farm, while being the largest auto insurance provider in the U.S., has faced numerous lawsuits over questionable practices that might leave policyholders at a disadvantage. For instance, in 2018, State Farm agreed to a $250 million settlement after attempting to influence an Illinois Supreme Court judge in a racketeering case. A year later, the company was accused of falsifying signatures on uninsured driver policies, raising concerns about its integrity and commitment to customers. These incidents highlight how State Farm has allegedly prioritized profits over fair treatment, which may give policyholders grounds for legal action.
If you’re considering a lawsuit against State Farm for insufficient compensation following a car accident, keep the following in mind:
- Filing a Lawsuit: State Farm often assigns claims to an internal team of adjusters focused on minimizing payouts. When this happens, it can signal the need for legal action to secure fair compensation. A knowledgeable attorney can help by filing a complaint with the court, challenging the settlement offer, and navigating tactics aimed at reducing the payout.
- Legal Support: An experienced lawyer can guide you through the lawsuit process, counteracting State Farm’s efforts to gather evidence against you or push for a lower settlement. Legal representation is crucial to ensure that you aren’t taken advantage of and receive the compensation you rightfully deserve.
By staying informed and seeking legal advice, you can take on a powerful insurance provider like State Farm and better protect your rights as a policyholder.
Fred Loya Auto Insurance
Fred Loya Insurance, part of The Loya Insurance Group, specializes in nonstandard and high-risk auto insurance, particularly in Texas and other states. Known for providing minimal coverage policies, Fred Loya often caters to high-risk drivers—such as those with DUI histories, prior accidents, speeding violations, or other traffic citations—who may find it challenging to secure insurance elsewhere. The policies typically offer only the legally required minimum coverage, which can create complications for claimants after an accident. In many cases, Fred Loya policies provide just $30,000 in coverage, which may not cover medical expenses or damages, making legal representation essential for obtaining adequate compensation.
Fred Loya policies also often include Named Driver Exclusions, which exclude specific drivers from coverage. This means that if a named excluded driver causes an accident, the insurance may be void, leaving you without coverage. Additionally, some policyholders fail to maintain their policies after obtaining an insurance card for proof, resulting in potential coverage lapses.
Given these limitations, having an experienced Houston insurance dispute attorney can help navigate the challenges and protect your rights when dealing with Fred Loya Insurance claims.
Germania Auto Insurance
Germania Insurance, a Texas-based company, has been providing insurance services since its inception as the Germania Mutual Aid Association in 1896. Although originally focused on farm insurance, Germania now offers auto, home, and other insurance options to over 200,000 members across Texas. However, like many insurers, Germania has been known to dispute claims and limit payouts.
In one notable case from 2018, a Germania customer involved in a car accident with an uninsured driver filed a claim for $36,594, as specified in their policy. Germania responded by offering just $6,000 and even attempted to void the contract altogether. This led the driver to pursue legal action for a larger settlement, highlighting the importance of having an attorney when faced with similar issues.
Germania’s auto policies range from the legal minimum coverage of $30,000 to higher limits, potentially up to $500,000. However, Germania does not disclose policy limits during claims unless legally compelled, making it essential to involve a lawyer to ensure you receive fair compensation. Here are a few key points when filing a claim with Germania:
- Germania does not directly cover medical bills; instead, they offer a lump-sum payment after reviewing documentation.
- Claimants must provide thorough evidence, including medical expenses, damages, and any emotional distress suffered.
- Seeking legal help is crucial, as Germania may underpay even if proper documentation is presented.
Farmers Insurance Group
Farmers Insurance Group, a major player in the auto insurance industry, has a well-known slogan, but does it truly live up to its promise to put clients first? The American Association for Justice (AAJ) recently ranked Farmers as the 7th worst insurance company in America due to practices such as raising premiums, denying coverage, and discouraging clients from seeking legal representation. These tactics suggest that Farmers may prioritize profit over policyholders’ well-being.
One reason to consult a lawyer when dealing with Farmers Insurance is the company’s use of Colossus, a software program that evaluates claims. This software often undervalues medical bills, which can lower the compensation for pain and suffering that clients are entitled to. A qualified attorney can assist by gathering the proper documentation to ensure a fair assessment of damages and help clients secure the compensation they deserve.
Here’s why having an attorney is beneficial when dealing with Farmers Insurance:
- They can evaluate the full extent of your case and protect your rights.
- Attorneys understand Farmers’ tactics and can counteract undervalued claims.
- Legal representation can help increase the compensation for pain and suffering through thorough documentation and case strategy.
Geico Auto Insurance
GEICO, one of the largest auto insurance providers in the United States, insures over 15 million drivers and handles a high volume of claims. While they advertise fair treatment for those involved in car accidents, GEICO often engages in practices that may reduce the amount they ultimately pay out. For example, GEICO claims adjusters sometimes dispute liability, even in rear-end collisions where the fault typically lies with the other driver. This tactic can discourage accident victims from seeking immediate medical care, fearing their bills won’t be covered.
Additionally, GEICO may adjust medical bill payments based on average treatment costs in the area rather than covering the full amount billed. In some cases, they even hire witnesses to justify these reduced costs, which can lead to compensation that is less than what injured parties need. A newer tactic involves GEICO purchasing hospital liens at a discounted rate, which can lower the perceived severity of an accident in a trial and reduce the settlement awarded.
Key points to consider:
- GEICO adjusters may dispute fault, even in clear cases, complicating claims.
- They might only cover partial medical costs based on “reasonable” area averages.
- GEICO sometimes buys hospital liens, potentially lowering settlements in court.
To ensure fair treatment, having an experienced attorney can be essential when dealing with GEICO.
Nationwide Auto Insurance
Nationwide is known for its higher rates, particularly for younger drivers, and it often receives lower ratings in areas like customer service and claims handling. The company has faced multiple class-action lawsuits, primarily for not fulfilling their repair promises, which can be a significant issue for policyholders after an accident. This makes it crucial to work with a lawyer who is familiar with Nationwide’s practices and can effectively represent you in court, should the need arise.
When it comes to calculating settlements, Nationwide lacks a standardized method or software for determining pain and suffering compensation. Without a precise system, their settlement offers may fall short of adequately covering the emotional and physical impact of an accident. If you feel that Nationwide’s offer does not fairly compensate you for your injuries, consulting an auto insurance lawyer in Houston can help ensure you receive the amount you deserve.
A jury awarded $907,009 in a coverage dispute with Nationwide Mutual Insurance Company after a rental car accident. The plaintiffs argued the rental car was a substitute for a broken-down vehicle, and the jury ruled in their favor.
Safe Auto Insurance
Safe Auto, founded in 1993, has built its reputation on offering auto insurance to drivers often seen as high-risk. This privately-owned company specializes in “minimum limits” policies, catering to the nonstandard insurance market across multiple states, including Texas. These minimum coverage policies are typically tailored for drivers with bad credit, a high-risk vehicle, a poor driving history, or those who are older. While Safe Auto also provides standard policies, its primary focus remains on low-coverage plans. In Texas, and by law, nonstandard insurers like Safe Auto are not required to disclose policy values unless they are specifically questioned in a lawsuit.
For many policyholders, Safe Auto’s minimal coverage often falls short when accidents occur. Filing a lawsuit can be the most effective way to obtain the full compensation needed after a crash. Safe Auto’s minimum limits policies can include hidden “accidental death benefits” that drive up costs without the consumer’s informed consent. If you find yourself affected by such policies, consulting with an experienced attorney can help you navigate this challenging process and work to secure the compensation you deserve.
Additionally, it is wise to remain cautious when interacting with Safe Auto’s representatives. Agents may attempt to obtain statements that could harm your case, so consider refusing recorded statements until you’ve spoken with a lawyer. Having legal representation helps ensure that Safe Auto’s adjusters cannot misinterpret your words to deny liability or minimize your claim.
ACCC Auto Insurance
The American Century Casualty Company (ACCC), based in West Houston, serves high-risk drivers through various business names, such as Best Texas General Agency, Inc., and Old American County Mutual Fire Insurance Co. ACCC provides non-standard auto insurance policies, designed for individuals who may struggle to find coverage with major insurance companies due to issues like traffic tickets, previous accidents, or poor credit. These policies typically offer the minimum coverage allowed by Texas law—$60,000 for bodily injury liability per accident and $30,000 per person. Unfortunately, this minimal coverage often excludes personal injury protection, leaving drivers financially vulnerable in serious accidents.
ACCC’s reputation is marred by numerous complaints, as evidenced by a low rating of one out of five stars on the Better Business Bureau. Many customers report that ACCC frequently fails to return calls, leaving claims unresolved for extended periods. Some reviewers have also alleged that ACCC engaged in questionable practices, such as contacting individuals about services on vehicles they neither owned nor insured, raising concerns about the company’s handling of personal information.
If you are dealing with ACCC and their non-standard policies, consulting with a West Houston auto insurance dispute lawyer could help you navigate the challenges and potential pitfalls associated with their coverage options.
Farm Bureau Auto Insurance
The Texas Farm Bureau, the largest Texas-based insurance provider, offers a range of policies covering auto, homeowners, farm, ranch, and life insurance. Given its prominence, many Texans involved in car accidents end up filing claims with the Texas Farm Bureau. However, the claims process with this insurer can often be prolonged, sometimes taking months to resolve, especially without the assistance of an attorney.
When making an insurance claim through the Texas Farm Bureau, it’s essential to recognize that delays may occur. Insurance companies, including the Texas Farm Bureau, sometimes extend the claim process, which can be financially advantageous for them as they continue earning interest on premiums. Without legal support, your claim might become lost in the shuffle of thousands of others, potentially extending your wait for a fair settlement.
Hiring an auto insurance attorney might seem like an extra cost, but it can be a strategic investment. With legal representation, you have a better chance of avoiding delays and ensuring your claim doesn’t get overlooked, which can lead to a more timely and equitable settlement.
Mercury Auto Insurance
Mercury Auto Insurance has been a prominent player in the vehicle insurance industry since 1961, providing coverage across 11 states, including Texas. They offer a diverse range of policies, insuring various types of vehicles such as courier vans, motor homes, and classic cars.
Despite their longstanding presence in the market, Mercury Auto Insurance has encountered significant legal challenges. The company has faced lawsuits for failing to deliver the financial payouts that policyholders and third parties deserved following accidents. Additionally, they were penalized $27.5 million for imposing unnecessary fees on their clients.
If you find yourself dealing with Mercury Auto Insurance—whether you’ve been involved in an accident with one of their policyholders or hold a policy with them—you may be concerned about receiving the compensation you deserve. In such cases, consulting with a trained attorney can be highly beneficial. Joe Stephens at The Stephens Law Firm can help navigate the complexities of your claim and advocate for your right to proper financial support after an accident, ensuring that your interests are effectively represented.
Contact The Stephens Law Firm for a Free Consultation
At The Stephens Law Firm, we provide personalized, compassionate representation to every client. With Joe Stephens, you have a seasoned advocate who is dedicated to ensuring justice is served. Whether you’re dealing with Allstate, State Farm, or any other insurer, we’re here to help. Contact us today for a free consultation and let us handle the heavy lifting, so you can focus on recovery.
Contact The Stephens Law Firm in Houston, TX
If you or a loved one has been injured due to someone else’s negligence, The Stephens Law Firm is here to help. With years of experience handling personal injury cases in Houston, TX, we fight for the compensation you deserve.