# How to File a Car Accident Claim with Home State County Mutual Insurance | Attorney Brian White **Table of Contents***[*Expand*]* 1. What to Do First 2. Contact Home State County Mutual 3. Getting Your Car Repaired 4. What You Need to Know 5. How Our Houston Car Wreck Lawyers Can Help ![How to File a Car Accident Claim with Home State County Mutual Insurance](https://attorneybrianwhite.com/wp-content/uploads/2020/07/Car-Insurance-91817865_1254x836-1-300x200.jpeg) [Home State County Mutual](https://homestate.net/) was founded in 1948 and specializes in casualty and [property claims](https://attorneybrianwhite.com/blog/property-damage/). A smaller company based in Waco, Texas, they pride themselves on offering a personal touch to clients. This should lead to the personal attention and care expected by a consumer shopping for insurance. However,  as with any insurance company, their profits are what matter most to them. There are also many other, [more recent examples](https://caselaw.findlaw.com/us-5th-circuit/1579280.html). While some trust is necessary, never assume an insurer has a real interest in your needs. If you or a family member has been injured in a car wreck in [Houston](https://www.houstontx.gov/), [Texas](https://www.texas.gov/), it would be smart to speak with a [Houston car crash lawyer](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/) who is experienced in [negotiating](https://attorneybrianwhite.com/blog/negotiation-in-personal-injury-cases/) [settlements](https://attorneybrianwhite.com/faqs/what-is-the-average-settlement-for-a-car-accident-in-houston-tx/) with the [insurance company](https://attorneybrianwhite.com/blog/settling-a-personal-injury-claim-with-an-insurance-company/). This way, you are not taken advantage of by the insurance company and you end up getting a fair [settlement](https://attorneybrianwhite.com/faqs/how-long-will-my-car-accident-case-take-to-settle/) offer from the insurance company. If not, an experienced trial attorney will take them to trial so that you get justice and financial compensation. [Contact](https://attorneybrianwhite.com/contact-us/) our law firm, [Attorney Brian White Personal Injury Lawyers](https://attorneybrianwhite.com/about/), at [(713) 500-5000](tel:+17135005000) for immediate assistance. If there were no injuries, you should be able to handle it without hiring an attorney. Below is some helpful information. ## What to Do First You are driving your kids to school and someone just ran a [red light](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/red-and-yellow-light/). The cars collide in a busy [intersection](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/intersection/). You or other passengers may be momentarily stunned and confused, or even [seriously injured](https://attorneybrianwhite.com/houston-tx/catastrophic-injury-lawyer/). What do you do next? First, check all the accident stakeholders to assess possible injuries. If anyone is seriously hurt, the paramedics need to be summoned ASAP. Next, if possible, move the vehicles off the road. If anyone has flares or other traffic-directing devices, put them out. Then [call the police](https://attorneybrianwhite.com/faqs/should-i-call-911-after-a-car-accident-in-houston/). The police will take reports to understand the collision. Witnesses are more likely to fudge facts and misconstrue events as time passes, so an immediate, [third-party](https://attorneybrianwhite.com/faqs/who-is-a-third-party-in-a-personal-injury-case/) report will only help you. Take photos and document the scene. What time did the accident happen? Were the roads icy or wet? Was the other driver using a cell phone? For a legal consultation call [(713) 500-5000](tel:+17135005000) ## Contact Home State County Mutual Only the managing general agent that *issued the policy* may assess reported claims. This is the drawback of working with a small company: everything halts until one person has the time to deal with the claim. The company’s business hours are Monday through Friday, 8 a.m.–5 p.m., CST. Their contact information is below. Home State County Mutual Insurance Company PO Box 8036 Waco, Texas 76714 (713) 500-5000 Their email address is info-request@homestate.net, but the company does not allow claims to be filed online or through email. ## Getting Your Car Repaired After the agent has been assigned to your case, Home State will begin determining drivers’ fault in the collision. Texas is a state ruled by fault laws, which means claims are adjusted based on the company’s [determination of fault](https://attorneybrianwhite.com/blog/common-car-accident-scenarios/). While police and personal documentation of an accident are crucial to personal protection, an attorney can help navigate the difficult and unfortunate task of assigning blame. Being found accountable by the company, whether the determination reflects the situation’s truth or not, can severely [diminish claim payout](https://attorneybrianwhite.com/blog/everything-to-know-about-diminished-value-accident-claims/). Plan accordingly and never divulge too much information. [Click to contact](/contact-us/) us today ## What You Need to Know Dealing with insurance companies and lawyers can be more intimidating than the actual crash, but preparedness will be paid back in spades. Be sure to research any insurer before you deal with them. Before contacting the insurance company, contact a Houston car accident lawyer and ask some basic [questions](https://attorneybrianwhite.com/faqs/questions-to-ask-a-lawyer-after-a-houston-car-accident/). Simple questions cost nothing and may help you better understand the complicated legal and financial situation surrounding a car crash and insurance claims. Complete a [Case Evaluation Form](/contact-us/) Now ## How Our Houston Car Wreck Lawyers Can Help We only handle cases where an injury was involved. [Attorney Brian White](https://attorneybrianwhite.com/resources/brian-white-is-board-certified-in-personal-injury-trial-law/) will use his experience at handling car wreck cases and work hard to maximize the amount of money you are offered by the insurance company. Don’t let the insurance company take advantage of you! If you find yourself in an auto accident and need help, [contact Brian White immediately](https://attorneybrianwhite.com/contact-us/). ### Related Articles: - [Filing Car Accident Claims with USAA Insurance](https://attorneybrianwhite.com/blog/filing-car-accident-claims-with-usaa-insurance/) - [How to Handle a Car Accident Claim with ACCC](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/) - [How to Handle a Car Accident Claim with Foremost County Mutual Insurance](https://attorneybrianwhite.com/blog/how-to-handle-a-car-accident-claim-with-foremost-county-mutual-insurance/) - [Handling A Houston Car Accident Case With Amica](https://attorneybrianwhite.com/blog/handling-a-houston-car-accident-case-with-amica/) - [Handling a Houston Car Accident Case with Chubb](https://attorneybrianwhite.com/blog/handling-a-houston-car-accident-case-with-chubb/) - [Handling an Accident Claim with Liberty Mutual](https://attorneybrianwhite.com/blog/handling-an-accident-claim-with-liberty-mutual/) - [How to Deal With A Progressive Car Accident Claim](https://attorneybrianwhite.com/blog/how-to-deal-with-a-progressive-car-accident-claim/) - [How to File a Car Accident Claim with Fred Loya](https://attorneybrianwhite.com/blog/how-to-file-a-car-accident-claim-with-fred-loya/) Call or Text [(713) 500-5000](tel:+17135005000) or Complete a [Case Evaluation Form](/contact-us/) Car Accidents Blog Posts: [![Whiplash, Disc, and Joint Injuries: Common Consequences of a Car Accident](https://attorneybrianwhite.com/wp-content/themes/brian-white/assets/app/img/default-thumb.webp)](https://attorneybrianwhite.com/blog/whiplash-disc-and-joint-injuries-common-consequences-of-a-car-accident/) [Whiplash, Disc, and Joint Injuries: Common Consequences of a Car Accident](https://attorneybrianwhite.com/blog/whiplash-disc-and-joint-injuries-common-consequences-of-a-car-accident/) Our bodies were never meant to deal with the movement and forces involved in a car accident.  Upon impact, the car [![The Most Dangerous Intersections in Houston](https://attorneybrianwhite.com/wp-content/uploads/2022/04/The-Most-Dangerous-Intersections-in-Houston-300x200.jpg)](https://attorneybrianwhite.com/blog/the-most-dangerous-intersections-in-houston/) [The Most Dangerous Intersections in Houston](https://attorneybrianwhite.com/blog/the-most-dangerous-intersections-in-houston/) A recent project completed by a group of University of Houston students and faculty shows which intersections in [![Houston car accident](https://attorneybrianwhite.com/wp-content/uploads/2020/07/car-accident-houston-texas-300x200.jpg)](https://attorneybrianwhite.com/blog/the-top-8-reasons-teens-get-into-car-accidents/) [The Top 8 Reasons Teens Get Into Car Accidents](https://attorneybrianwhite.com/blog/the-top-8-reasons-teens-get-into-car-accidents/) Teens look forward to getting a driver’s license. A license can mean more freedom, a part-time job, and hanging out [![Commonly Forgotten Driving Laws in Texas](https://attorneybrianwhite.com/wp-content/uploads/2023/01/Commonly-Forgotten-Driving-Laws-in-Texas-300x200.jpg)](https://attorneybrianwhite.com/blog/commonly-forgotten-driving-laws-in-texas/) [Commonly Forgotten Driving Laws in Texas](https://attorneybrianwhite.com/blog/commonly-forgotten-driving-laws-in-texas/) Most people count on their driver’s licenses for long-distance travel and short daily commutes. However, it is --- Source: https://attorneybrianwhite.com/blog/how-to-file-a-car-accident-claim-with-home-state-county-mutual-insurance/