Handling Insurance Companies in Bryan Daycare Injury Claims

If your child has been injured at a daycare in Bryan, Texas, dealing with insurance companies can quickly become overwhelming and confusing. Insurance adjusters may contact you soon after the incident, often before you fully understand the extent of your child’s injuries or the legal implications. At Bivona Law, we strongly advise parents to avoid speaking with insurance representatives without the presence of an experienced attorney. Here’s why and what you need to know about handling insurance companies in daycare injury claims.

Why You Should Never Talk to Insurance Companies Alone

Insurance companies are businesses focused on minimizing their financial liability. Their adjusters are trained professionals who know how to gather information that could be used to deny or reduce your claim. Here are a few reasons why you should have an attorney with you:

• Statements Can Be Misinterpreted: Insurance adjusters may record or twist your words to suggest your child’s injuries are less severe or your claim isn’t justified.
• Early Settlements Often Undervalue Your Case: You might be offered a quick settlement that doesn’t cover current or future medical bills, therapy, or other damages.
• Pressure to Settle Quickly: Adjusters might rush you to settle before you fully understand the long-term effects of your child’s injury.
• Complex Legal Issues: Without legal guidance, it’s difficult to know your rights or whether the daycare or other parties are fully liable.

What Insurance Companies Might Ask

Insurance adjusters may ask you to provide detailed descriptions of the injury, how it happened, your child’s medical history, or your family’s emotional distress. It’s important to remember:

• You are not obligated to give a recorded statement without an attorney present.
• Be cautious about sharing medical records or documents directly with the insurer without consulting a lawyer.
• Do not accept blame or suggest your child’s injury was your fault or simply “an accident” without fully understanding the facts.

How Bivona Law Protects You and Your Child

When you work with Bivona Law, we handle all communication with insurance companies on your behalf. Our experienced attorneys:

• Collect and preserve crucial evidence about the injury and daycare conditions.
• Consult medical experts to fully assess the extent and impact of your child’s injuries.
• Negotiate aggressively to ensure any settlement or verdict fairly compensates your family.
• Advise you when a settlement offer is appropriate, or when litigation is necessary.

Our goal is to relieve you of the stress and confusion that come with insurance claims so you can focus on your child’s recovery.

What to Do If the Insurance Company Contacts You

If you receive a call or letter from an insurance company regarding your child’s daycare injury:

1. Politely inform them that you have retained legal representation (after hiring an attorney).
2. Do not provide any statements or agree to any settlements without first consulting your lawyer.
3. Document all communications you receive from the insurer.
4. Contact Bivona Law Firm immediately for expert guidance.

The Importance of Acting Quickly

Remember, Texas law limits the time you have to file a daycare injury claim, known as the statute of limitations. Acting promptly helps protect your legal rights and allows your attorney to build the strongest possible case.

Your Advocates in Bryan Daycare Injury Claims

If your child was injured at a daycare in Bryan, Texas, don’t face the insurance companies alone. Contact Bivona Law Firm for a free consultation. We are dedicated to being the voice for kids and protecting families like yours from unfair insurance tactics. Let us help you secure the justice and compensation your child deserves.