Were you injured in a car accident or other accident in Dallas, Texas? Is your insurer disputing your claim? A Dallas first-party claims lawyer can step in to protect your rights and pursue the compensation your policy promises. Call Omar Khawaja Personal Injury Lawyers at (469) 300-5046 to schedule a free consultation to learn more about your rights.
Our team helps accident victims hold insurance companies accountable. We have more than 100 years of combined legal experience, with over $100 million recovered for injured clients. We know how to make insurance companies pay the damages they owe, especially in first-party claims.
Why Choose Omar Khawaja Personal Injury Lawyers to Handle Your First-Party Claim?
When you purchase auto insurance, you expect your insurer to protect you when an accident happens. Unfortunately, many Dallas drivers discover too late that insurance companies do not always honor that promise. Omar Khawaja Personal Injury Lawyers can help you hold the insurer accountable.
When you work with our team in Dallas, TX, you benefit from:
- A legal team with over 100 years of combined experience handling complex insurance disputes
- A track record of $100+ million recovered for injury victims across Texas
- Attorneys who understand policy language, coverage disputes, and insurer bad-faith tactics
- A firm that has earned the trust of clients and features 600+ 5-star reviews
- Multi-lingual lawyers who offer services in English, Arabic, Spanish, Pashto, Dari, Hindi, and Urdu
- Contingency fees in all personal injury and first-party claims
We do not accept unfair denials or lowball offers. Our firm prepares every first-party claim as if it may end up in court. Contact us today to schedule your free consultation to learn more about your case from a Dallas personal injury attorney. We’re standing by to stand up for your rights.
What Is a First-Party Claim?
A first-party claim is a claim you file with your own insurance company after an accident or loss. Unlike third-party claims, you do not pursue compensation from another driver’s insurer. First-party claims rely on coverage you purchased for your own protection.
These claims are common when:
- The at-fault driver has no insurance
- The other driver’s insurance is insufficient
- The accident involved a hit-and-run
- Your own vehicle was damaged
- You need immediate medical benefits
Below are the most common types of first-party claims in Dallas.
UM/UIM (Uninsured and Underinsured Motorist Claims)
Uninsured and underinsured motorist coverage protects you when the at-fault driver has no insurance or insufficient coverage to compensate for your damages. Likewise, it applies if the driver fled the scene and cannot be identified, or if the driver’s policy limits are too low to cover your injuries.
UM/UIM coverage can step in and pay for:
- Medical expenses
- Lost wages
- Pain and suffering
- Disability and long-term care costs
Even though this coverage exists to protect you, insurers frequently dispute fault or downplay injuries to reduce your payout.
PIP Claims (Personal Injury Protection)
In Texas, drivers may carry optional PIP coverage, which provides immediate benefits after a crash regardless of who caused it.
PIP coverage typically pays for a portion of your:
- Medical treatment
- Rehabilitation
- Lost income
- Replacement services such as household help
Unfortunately, PIP insurers often delay payment or challenge the necessity of treatment.
Collision and Comprehensive Claims
These policies cover damage to your own vehicle. Collision coverage applies when your car is damaged in a crash with another vehicle or a single-vehicle accident.
Comprehensive coverage applies to non-collision losses such as:
- Theft
- Vandalism
- Fire
- Flooding
- Storm damage
- Falling objects
Disputes often arise over repair costs, total-loss valuations, depreciation, and whether damage falls under the policy terms.
Types of Car Accidents Where First-Party Claims May Apply
First-party insurance claims commonly arise when another driver cannot be identified or lacks enough coverage to fully pay for your injuries and losses. In these situations, your own policy may become your primary source of compensation.
Common accident scenarios where first-party claims often apply include:
- Hit-and-run crashes
- Collisions with uninsured drivers
- Accidents involving underinsured drivers
- Single-vehicle accidents
- Crashes caused by unidentified drivers
- Accidents involving disputed fault
- Vehicle theft or vandalism-related crashes
There could be other situations that trigger first-party claims. An experienced car accident attorney can help you understand whether your situation may generate first-party coverage for your injuries and damages.
What Compensation Can I Recover in a First-Party Claim in Dallas?
The compensation available depends on your policy, but first-party claims may provide coverage for many types of losses, including:
- Medical expenses
- Physical therapy
- Lost income
- Reduced earning ability
- Transportation expenses
- Vehicle repairs or replacement
- Pain and suffering (through UM/UIM coverage)
- Out-of-pocket expenses
- Property damage
Insurance companies frequently undervalue these losses or rely on internal formulas that fail to reflect the true impact of serious injuries. A Dallas first-party claims lawyer can calculate the full value of your damages and ensure you’re not leaving money on the table.
What if I’m Partly at Fault for My Accident in Texas?
Texas follows a modified comparative fault system. You can still recover compensation through first-party coverage even if you share some responsibility for the accident. Under Texas law, you may recover damages if you are 50% or less at fault. However, your compensation will be reduced by your percentage of fault.
For example, if your damages total $100,000 and you are found 20% responsible, your recovery would be reduced to $80,000. If you are more than 50% at fault, however, you’ll be barred from recovering compensation at all.
In first-party claims, insurance companies may argue that partial fault limits or excludes coverage. An experienced attorney can push back on attempts to blame you or limit the compensation you can recover.
We’ll Recover Compensation for All Your Dallas Accident Injuries
Accidents that lead to first-party claims often involve serious injuries. Whether your injuries were caused by a negligent uninsured driver or a single-vehicle collision, you deserve full compensation under your policy.
We frequently represent individuals who have suffered:
- Traumatic brain injuries (TBI)
- Spinal cord injuries and paralysis
- Herniated discs and chronic back pain
- Broken bones and complex fractures
- Internal organ damage
- Burn injuries
- Soft tissue injuries
- Permanent scarring or disfigurement
- Psychological trauma, including PTSD and anxiety
Our legal team works with medical providers and financial specialists to document the full impact of your injuries and future needs. Our goal is to pursue compensation for both your immediate losses and long-term needs so you can get back to living your life. Contact us today to learn more about the value of your claim.
How Much Does It Cost To Hire a Dallas First-Party Claim Lawyer?
Most first-party claim lawyers work on a contingency fee basis, which means you do not pay any upfront legal fees. Instead, your attorney receives a percentage of the compensation they recover through settlement or trial. If your lawyer fails to recover compensation, you generally owe nothing for the representation.
This arrangement allows injured individuals to pursue claims without worrying about hourly billing or large retainers while they are already facing medical expenses and lost income. Omar Khawaja Personal Injury Lawyers offers contingency fees in all personal injury cases. We also provide free consultations to help you understand your rights.
How Long Do I Have To File a First-Party Claim in Dallas?
Deadlines for first-party claims depend on the terms of your insurance policy. In general, contract-based insurance claims must be filed within four years under Texas law. Traditional personal injury and wrongful death claims must be filed within two years of the date of the accident.
Some policies impose much shorter notice requirements and additional procedural deadlines. You should speak with a Dallas first-party claims lawyer for help understanding and complying with the deadlines in your case.
Contact a Dallas First Party Claims Lawyer To Schedule a Free Consultation
Your insurance policy is a contract. You paid for protection. When an insurer refuses to honor that contract, you have the right to fight back. Omar Khawaja Personal Injury Lawyers helps Dallas, Texas, accident victims hold insurance companies accountable for wrongful denials, unfair delays, and underpaid claims.
With over 100 years of combined experience and more than $100 million recovered, our firm has the resources and skill to take on even the largest insurers. If your first party claim was denied, delayed, or undervalued, do not handle it alone. Contact us today to schedule your free consultation with an experienced Dallas first-party claims lawyer.
We will review your policy and take immediate steps to pursue the compensation you deserve.