How to File a Car Accident Claim with Home State County Mutual Insurance
Home State County Mutual was founded in 1948 and specializes in casualty and property claims. A smaller company based in Waco, Texas, they pride themselves on offering a personal touch to clients. This should lead to the personal attention and care expected by a consumer shopping for insurance. However, as with any insurance company, their profits are what matter most to them. There are also many other, more recent examples. While some trust is necessary, never assume an insurer has a real interest in your needs. If you or a family member has been injured in a car wreck, it would be smart to speak with an accident lawyer who is experienced in negotiating settlements with the insurance company. This way, you are not taken advantage of by the insurance company and you end up getting a fair settlement offer from the insurance company. If not, an experienced trial attorney will take them to trial so that you get justice and financial compensation. If there were no injuries, you should be able to handle it without hiring an attorney. Below is some helpful information.
What to Do First
You are driving your kids to school and someone just ran a red light. The cars collide in a busy intersection. You or other passengers may be momentarily stunned and confused, or even seriously injured. What do you do next?
First, check all the accident stakeholders to assess possible injuries. If anyone is seriously hurt, the paramedics need to be summoned ASAP. Next, if possible, move the vehicles off the road. If anyone has flares or other traffic-directing devices, put them out. Then call the police.
The police will take reports to understand the collision. Witnesses are more likely to fudge facts and misconstrue events as time passes, so an immediate, third-party report will only help you. Take photos and document the scene. What time did the accident happen? Were the roads icy or wet? Was the other driver using a cell phone?
Contact Home State County Mutual
Only the managing general agent that issued the policy may assess reported claims. This is the drawback of working with a small company: everything halts until one person has the time to deal with the claim. The company’s business hours are Monday through Friday, 8 a.m.–5 p.m., CST. Their contact information is below.
Home State County Mutual Insurance Company
PO Box 8036
Waco, Texas 76714
Their email address is firstname.lastname@example.org, but the company does not allow claims to be filed online or through email.
Getting Your Car Repaired
After the agent has been assigned to your case, Home State will begin determining drivers’ fault in the collision. Texas is a state ruled by fault laws, which means claims are adjusted based on the company’s determination of fault. While police and personal documentation of an accident are crucial to personal protection, an attorney can help navigate the difficult and unfortunate task of assigning blame.
Being found accountable by the company, whether the determination reflects the situation’s truth or not, can severely diminish claim payout. Plan accordingly and never divulge too much information.
What You Need to Know
Dealing with insurance companies and lawyers can be more intimidating than the actual crash, but preparedness will be paid back in spades. Be sure to research any insurer before you deal with them.
Before contacting the insurance company, contact a lawyer and ask some basic questions. Simple questions cost nothing and may help you better understand the complicated legal and financial situation surrounding a car crash and insurance claims.
How We Can Help
We only handle cases where an injury was involved. Attorney Brian White will use his experience at handling car wreck cases and work hard to maximize the amount of money you are offered by the insurance company. Don’t let the insurance company take advantage of you! If you find yourself in an auto accident and need help, contact Brian immediately.