Health Insurance Wichita Falls TX

 

 

Health Insurance Wichita Falls TX

Filing a lawsuit. If the matter is not settled at the adjuster stage, a lawsuit is often filed. This brings in defense lawyers, and both parties usually go to their corners in preparation for Health Insurance Wichita Falls TX. At this point, other people who may have helped cause the accident can also be sued, either by the plaintiff or the defendant.

Discovery. After the initial stages of a lawsuit, both parties will attempt to find out as much as they can about Health Insurance Wichita Falls TX. This process is known as discovery. During discovery, a plaintiff’s medical history will be thoroughly reviewed, witnesses will be interviewed or deposed, and experts may be hired to give their opinion. Discovery can be a long, grueling, and time-consuming process.

Settlement negotiations. As discovery proceeds and the lawyers for both sides learn more about the case, they will form conclusions as to who will win and who will lose. They also arrive at a general idea as to how much the case is worth. At any time they can (and often do) discuss Health Insurance Wichita Falls TX.

Settlement conference. As the matter approaches trial or arbitration, the court will often call all parties into court for a settlement conference. At the conference both lawyers informally present their case to the judge, who will give a nonbinding opinion as to its value. Often the parties settle their cases at such conferences.

Trial. If push comes to shove and the parties cannot reach agreement, the matter will go to trial or arbitration, where a jury, judge, or arbitrator will decide who wins and how much, if any, the insurance company will have to pay in Health Insurance Wichita Falls TX.

Appeal. If the loser is unhappy with the result and believes that the decision can be overturned on appeal, an appeal will be filed. If the appeal is successful, there will usually be a new trial. If not, the decision stands and must be carried it by Health Insurance Wichita Falls TX.

Criticism of the Fault System

This fault system of redressing grievances arising out of auto insurance mobile accidents has increasingly come under attack in recent years. The criticism has been broad-ranged and has come from both the insurance industry and from some consumer advocates, most particularly Consumers Union. It can be summarized as follow:

The fault system causes high auto insurance rates. The fault system is time-consuming and expensive. Thus, critics charge that it is a major cause of high auto insurance premiums.

 

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