How Chaile Allen Protects Clients from Their Own Insurance Company in Uninsured Motorist Cases

You were hit by a driver with no insurance. Your injuries are mounting, medical bills are piling up, and you turn to your own insurance company for help through your uninsured motorist coverage. This should be straightforward since you have been paying premiums for years. Instead, you find yourself facing skepticism, delays, and lowball settlement offers from the very company supposed to protect you.

Attorney Chaile Allen at The Law Firm of Chaile Allen understands the uncomfortable truth about uninsured motorist cases in Texas. With 15 years of experience handling personal injury claims throughout West Texas, Chaile Allen has seen how insurance companies treat their own policyholders when money is on the line. Her approach focuses on protecting clients from making damaging statements while building cases strong enough to overcome insurance company resistance.

What Uninsured Motorist Coverage Actually Means

Many Texas drivers don’t fully understand what uninsured motorist coverage provides until they need it. “Uninsured or underinsured motorist coverage is one of the most important things anybody can have,” Chaile Allen explains. This coverage, provided by your own insurance policy, protects you when the at-fault driver either has no insurance or insufficient insurance to cover your damages.

Texas currently requires only $30,000 in minimum insurance limits. As Chaile Allen notes, this amount usually provides coverage for maybe one or two hospital visits, but certainly not anything significant if you have surgery or serious injuries. According to the Texas Department of Insurance, insurance companies must offer uninsured motorist coverage when you buy auto insurance, making this protection accessible to all drivers.

Why Your Insurance Company Isn’t Really on Your Side

The fundamental problem with uninsured motorist claims is the conflict of interest. “While they should have your best interest at heart, at the end of the day, it’s a company,” Chaile Allen points out. “They are worried about their bottom line and making sure they pay out as little money as possible. That’s how they stay in business.”

This reality means your insurance company will scrutinize your claim just as aggressively as any defendant’s insurer would. Even though you have been paying premiums faithfully, when it comes time to pay out on your car accident claim, the company’s financial interests take priority. Understanding this dynamic is crucial for protecting yourself during the claims process.

The Danger of Innocent Statements

One of the biggest threats to your uninsured motorist claim comes from statements you make to your own insurance company. “I have clients a lot of times that will call their own insurance and say things like, ‘I wasn’t that injured at the time of the wreck,'” Chaile Allen explains. This common statement stems from adrenaline masking pain immediately after an accident, but a day or two later, the pain sets in, and additional injuries emerge.

These seemingly innocent comments become ammunition against you. “They will be used against you when you didn’t realize you were admitting anything or saying anything hurtful because they will be misconstrued and twisted in a way you didn’t intend for them to be,” Chaile Allen cautions. Insurance adjusters take notes on every conversation, building a file they can use to minimize or deny your claim later.

How Chaile Allen Acts as Your Gatekeeper

Once you hire Chaile Allen, communication with insurance companies changes completely. Chaile Allen becomes the point of contact for insurance companies, whether for the at-fault driver or your own insurer. Clients simply don’t talk to insurance companies without Chaile Allen either present or involved in the conversation.

“I am simply the gatekeeper,” Chaile Allen describes. “I am the first layer of protection for you, and the next layer of protection is going to be the insurance company for the at-fault driver. Below that is your uninsured motorist coverage. But I am the ultimate protector of information.” This approach ensures clients provide only the minimum necessary information about basic facts like where the wreck occurred, what time it happened, and who was involved, without making damaging statements about injuries or fault.

What Happens After You’ve Already Called Your Insurance

Many clients contact their insurance company before hiring an attorney, and that’s understandable. “It’s everybody’s first reaction when they need help,” Chaile Allen acknowledges. “You would think the best place to get that help is your insurance agent.”

However, even when clients have already spoken with their insurer, all is not lost. Chaile Allen deals with this situation regularly and has ways to help negotiate out of problematic early statements or settlements. “We can try to help negotiate you out of them,” Chaile Allen notes. “Obviously, we want to try to prevent any bad statements or early, unnegotiated settlements from happening. But in the event they do, there are ways to still provide help.”

Additional Pitfalls to Avoid in Uninsured Motorist Claims

Beyond direct statements to insurance companies, other common mistakes can damage your uninsured motorist claim. Social media presents particular dangers because your words and images can be twisted to mean something you didn’t intend. Chaile Allen gives specific examples:

• Posting about activities while injured, even innocent ones like attending family events
• Sharing photos from locations like theme parks, even if you needed a wheelchair or couldn’t participate in activities
• Making comments about your recovery or how you’re feeling
• Discussing your case or settlement negotiations publicly

These posts can be misinterpreted as evidence you weren’t as injured as claimed. For example, you might attend a family event at a theme park but use a wheelchair and only stay for an hour, yet the insurance company sees only a photo showing you at the park and uses it against you. Chaile Allen strongly advises clients against posting much or sharing details about their case on social media because information can so easily be misconstrued.

Contact The Law Firm of Chaile Allen for Uninsured Motorist Representation

Dealing with your own insurance company after being hit by an uninsured driver requires careful navigation and strong legal representation. Attorney Chaile Allen brings 15 years of experience protecting clients from insurance company tactics in  West Texas personal injury cases. Her approach of acting as a gatekeeper between clients and insurance companies prevents damaging statements while building strong cases for full compensation. Chaile Allen understands insurance company strategies and knows how to counter them effectively, ensuring clients receive the benefits they paid for through their premiums.

Don’t let your insurance company take advantage of you when you need them most. Contact The Law Firm of Chaile Allen today for a free consultation to discuss your uninsured motorist claim and learn how proper legal representation can protect your rights against your own insurance company.