Quick Action Helped Our Client Overcome a Lying MVA Defendant
Our client came to us in a panic. She was only three weeks away from the statute of limitations expiring on her injury claim. The defendant who caused the crash had lied about what happened, muddying the liability picture. Even worse, the defendant’s insurance company had refused to return her calls, acknowledge her injuries, or pay for her total loss property damage. She had tried to handle everything on her own, hoping the truth would prevail. Instead, she was ignored.
Despite the risks associated with taking on a case so close to the deadline, we knew we could help—and we were ready to act immediately.
Taking Action When Time Was Running Out
Most law firms hesitate to accept cases that come in just weeks or days before the statute of limitations expires. These cases demand fast, aggressive, and precise legal work. Missing just one step or deadline can mean a client permanently loses all rights to recover damages.
But at Rocky Walton Injury Lawyers, we have the experience, systems, and legal strategy to move quickly when a client urgently needs help. In this case, we immediately:
-
Conducted a rapid but thorough review of all available evidence
-
Identified the discrepancies in the defendant’s story
-
Began drafting the lawsuit almost immediately after being retained
-
Filed suit quickly so that the defendant and their insurer could no longer avoid accountability
-
Initiated pressure on the insurance carrier to respond—something they refused to do before our involvement
Within just a few weeks, we secured the maximum policy limits from the defendant’s insurance company. What had been an ignored claim with zero progress was suddenly taken seriously.
The Power of Having an Attorney—Before It’s Too Late
Our client’s experience is unfortunately common. Unrepresented individuals often assume insurance companies will do the right thing or that the truth is enough. But insurance companies are trained to protect their own financial interests—not yours.
When you wait to hire an attorney, you lose valuable time. And for insurers, delays work in their favor.
Hiring an experienced attorney early ensures:
-
Evidence is properly documented before it disappears or becomes less reliable.
-
Witnesses can be contacted before memories fade.
-
The insurance company can’t stall, ignore you, or mislead you.
-
Your claim is presented professionally, using the facts, documentation, and legal structure carriers take seriously.
In our client’s case, waiting made her situation more difficult—but hiring us when she did still gave us enough time to turn everything around.
How Lying Defendants Complicate Cases—and How We Respond
Unfortunately, some drivers lie to avoid blame. They may deny obvious facts, shift responsibility, or fabricate details. When this happens, the insurance company often uses the conflicting accounts as an excuse to delay or deny the claim.
In this case, the defendant provided a story that contradicted physical evidence and basic common sense. Without legal help, the insurance company dismissed our client’s version and refused to pay anything.
Once we filed suit, however, their attitude changed. Presenting clear evidence, identifying inconsistencies in the defendant’s story, and demonstrating our readiness to litigate forced the insurer to take the truth seriously.
The Importance of Calling 911 After a Crash
One of the most important lessons from this case is the value of calling 911 at the scene of a crash—even when the other driver insists it isn’t necessary.
A police report creates a neutral, third‑party record of what happened. This documentation may include:
-
Statements from both drivers
-
Observations from trained officers
-
Details about vehicle damage and positions
-
Road and weather conditions
-
Citations issued at the scene
When someone lies about what happened, the information captured in the report often becomes critical in proving liability.
Why Dash Cams Are So Valuable
Dash cams are becoming increasingly common for good reason. When a driver lies about how a crash happened, video evidence cuts through the noise instantly.
A dash cam can show:
-
Speed before impact
-
Traffic signals or signs
-
Lane positions
-
Whether a driver was distracted
-
The exact moments leading up to and after the crash
Our client did not have a dash cam, which made her case more challenging. But with quick legal action and strong supporting evidence, we were still able to prove the truth.
Beware of Unknown or "Hole-in-the-Wall" Insurance Companies
Another challenge our client faced was dealing with a small, unfamiliar insurance company—one our team had never encountered before. In Texas, there are many lesser-known, cut-rate auto insurance companies that lure drivers in with extremely low premiums. But those savings often come at a huge cost.
When you’re hit by a driver insured by one of these companies, you are far more likely to experience:
-
Delayed or ignored phone calls
-
Denied or undervalued claims
-
Slow or nonexistent communication
-
Adjusters who are inexperienced or untrained
-
A complete lack of urgency or professionalism
As a driver in Texas, we strongly encourage people to avoid these “hole-in-the-wall” insurers. Insurance is absolutely a “you get what you pay for” situation. Choosing a reputable carrier doesn’t just protect you—it protects everyone else on the road. Being struck by a driver with a bargain-basement insurance company can turn a straightforward claim into a nightmare.
Unfortunately, our client learned this firsthand. Thankfully, once we got involved and filed suit, even this difficult insurer was forced to respond and pay what was owed.
Resolving Her Total Loss Property Damage Claim
Another part of our client’s struggle involved her vehicle. It was a total loss, yet the insurance company refused to pay her anything while she was unrepresented. They ignored her calls, delayed processing, and left her without transportation. Her vehicle was ultimately sold at auction when it wasn't declared a total loss by the insurance agency.
After getting involved, we not only resolved her injury claim but also:
-
Ensured her property damage was properly evaluated
-
Pushed the insurance company to pay the appropriate value for the total loss
-
Helped her move forward with replacing her vehicle
This was money she should have received long before—but it took legal pressure to get results.
A Fast, Favorable Outcome—Thanks to a Strong Legal Strategy
Despite being brought into the case at the eleventh hour, we achieved a fast and favorable settlement for our client. The insurance company went from ignoring her to paying policy limits and resolving her property damage in a matter of weeks.
Her story is a powerful reminder that the right legal team can change everything.
Don’t Wait to Get the Legal Help You Need
If you’ve been injured in a car crash, time is not on your side. Waiting to hire a lawyer can jeopardize your claim, limit your options, or—in the worst cases—prevent you from recovering anything at all.
Insurance companies count on delays. They count on confusion. They count on you not knowing your rights.
But when you hire Rocky Walton Injury Lawyers, you get a team that acts quickly, aggressively, and strategically to protect you.
Contact Us Today
If you or someone you know has been injured in a crash and is struggling with an unresponsive insurance company, lying defendant, or confusing claims process, we’re here to help.
Call Rocky Walton Injury Lawyers today for a free consultation. We’ll review your case, explain your rights, and take immediate action to protect your claim and your future.
Your recovery matters. Your story matters. And we’re ready to fight for you.
