HOUSTON CAR ACCIDENT LAWYERSWe know how the adjuster sees your claim.
Rear-end crashes in stop-and-go traffic on I-45, red-light collisions, pileups on the 610 Loop. After a wreck, the other driver's insurance company starts evaluating your claim right away. We help you build the record that gets it valued fairly.
CAR CRASHES we see every week.
REAR-END COLLISIONS
Often the clearest liability, but insurers still argue the impact was too minor to cause real injury.
INTERSECTION & RED-LIGHT CRASHES
T-bone and left-turn collisions where fault turns on signals, witnesses and camera footage.
FREEWAY & HIGHWAY CRASHES
High-speed wrecks, lane changes and multi-car pileups on Houston's freeways and frontage roads.
DRUNK & DISTRACTED DRIVERS
Crashes caused by drivers who were impaired, texting or otherwise not paying attention.
HIT-AND-RUN & UNINSURED DRIVERS
When the other driver flees or has no insurance, your own uninsured motorist coverage may pay.
CRASHES WITH COMPANY VEHICLES
If the other driver was on the job, the employer and its commercial policy may be responsible.
WHERE THE MONEY comes from.
Texas is an at-fault state: the driver who caused the crash is responsible for the harm. In practice, several policies can be involved, and knowing all of them matters.
- 01The at-fault driver's liability insuranceTexas requires at least $30,000 per injured person and $60,000 per crash for injuries, plus $25,000 for property damage. Serious injuries can exceed those limits quickly.
- 02Your personal injury protection (PIP)PIP pays medical bills and part of your lost income no matter who caused the crash. Texas auto policies include at least $2,500 of PIP unless you rejected it in writing.
- 03Your uninsured/underinsured motorist coverage (UM/UIM)If the other driver has no insurance or not enough, your own policy may pay the difference. Your insurer can dispute fault and the value of your injuries in a UM/UIM claim, the same way the other driver's insurer would.
- 04The other driver's employerIf the driver was working at the time, the employer and its commercial auto policy may be responsible too.
- 05Health insurance and liensHealth insurers, Medicare, Medicaid and hospitals may claim reimbursement from your settlement. Those claims should be checked and negotiated before you sign anything.
WHAT TO DO after a crash.
Many insurers use software and checklists to value injury claims. Records that are complete, consistent and on time are the strongest thing you can give them.
CAR ACCIDENT FAQ
How long do I have to file a car accident lawsuit in Texas?
Generally two years from the date of the crash. Claims involving a government vehicle can require written notice much sooner, often within six months and sometimes less. Don't wait until the deadline is close.
What if I was partly at fault?
You can still recover if you were 50% or less at fault, but your recovery is reduced by your percentage of fault. If you were more than 50% at fault, you can't recover from the other driver. Insurers often push fault onto the injured person for exactly this reason.
The other driver doesn't have insurance. What now?
Check your own policy for uninsured motorist (UM) coverage. Texas policies include it unless you rejected it in writing. A UM claim is a claim against your own insurer, and it can be contested like any other.
Should I accept the insurance company's first offer?
Not before you understand the full extent of your injuries and your future medical needs. A settlement is usually final: once you sign a release, you generally can't reopen the claim if your condition gets worse.
Who pays my medical bills while the claim is pending?
Usually some combination of your PIP coverage, your health insurance and, in some cases, providers who agree to wait for payment from the settlement. Keep every bill and explanation of benefits.