Texas Car Accident Claim Guide: What to Do After a Crash

Texas Car Accident Claim Guide

A car accident in Texas can be overwhelming, but knowing what to do next can make all the difference. This guide walks you through the steps to take after a crash, explains Texas insurance laws, and offers tips for protecting your rights and maximizing your claim.

Immediate Steps After a Car Accident in Texas

1. Check for Injuries: Call 911 if anyone is hurt. Texas law requires you to render aid and report serious accidents.
2. Move to Safety: If possible, move vehicles out of traffic to prevent further collisions.
3. Exchange Information: Get names, addresses, insurance details, and license plate numbers from all involved drivers.
4. Document the Scene: Take photos of vehicles, damage, road conditions, and any visible injuries.
5. File a Police Report: Texas law requires reporting accidents with injury, death, or property damage over $1,000.

Texas’s Fault-Based Insurance System

Texas is a “fault” state. The driver who caused the accident is responsible for damages. You can file a claim with your own insurer, the at-fault driver’s insurer, or pursue a lawsuit.

Minimum Insurance Requirements

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident
• $25,000 for property damage

Uninsured/underinsured motorist coverage is optional but recommended.

What to Do in the Days After Your Accident

• Seek Medical Care: Even minor injuries should be checked by a doctor.
• Notify Your Insurance Company: Report the accident promptly, but avoid admitting fault.
• Track Expenses: Save receipts for medical care, repairs, and rental cars.
• Follow Up on the Police Report: Request a copy for your records.

How to Maximize Your Texas Car Accident Claim

• Don’t Give Recorded Statements: Speak with an attorney before talking to insurance adjusters.
• Get Multiple Repair Estimates: This helps ensure fair compensation for vehicle damage.
• Keep a Recovery Journal: Document pain, missed work, and how the accident affects your daily life.
• Consult a Texas Car Accident Attorney: Legal advice can help you avoid mistakes and improve your settlement.

Frequently Asked Questions

How long do I have to file a claim?

Texas’s statute of limitations is two years from the date of the accident for personal injury or property damage.

What if the other driver is uninsured?

You may use your own uninsured motorist coverage or pursue a lawsuit against the driver.

Can I recover if I was partly at fault?

Yes. Texas follows modified comparative fault rules—your compensation is reduced by your percentage of fault if you are less than 51% responsible.