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Texas Car Accident FAQs

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Car accidents can be overwhelming, and navigating the aftermath in Texas requires a clear understanding of the law and procedures. This comprehensive FAQ aims to guide you through the essential steps and legal considerations following a car accident in the Lone Star State. For personalized advice and representation, consider reaching out to Adley Law Firm.

Immediate Steps After a Car Accident

Should I see a doctor even if I feel fine after a car accident?

Yes, it’s essential to see a doctor immediately after a car accident, even if you have no visible injuries. Some conditions may take time to manifest, and having a medical record is vital for any future injury claims.

Is it necessary to get a police report after a Texas car accident?

Yes, obtaining a police report is a critical step. It serves as an official account of the accident and can be significant when filing insurance claims or any legal action.

Medical Attention and Documentation

Why is medical documentation important in a car accident claim?

Medical documentation establishes a link between the accident and your injuries. It’s a critical component in proving the extent of your injuries and securing fair compensation.

What if the accident was minor; do I still need to see a doctor?

Even in minor accidents, injuries like whiplash may not be immediately apparent. Seeing a doctor ensures that any hidden injuries are diagnosed and documented.

Dealing with Insurance Companies

How should I report the accident to my insurance company?

Contact your insurer as soon as possible after the accident. Provide them with the basic facts but avoid making any statements that could imply fault.

Why should I avoid talking to the other driver’s insurance company?

The other driver’s insurance company may use anything you say against you to minimize or deny your claim. Always consult with a lawyer before providing any statements.

What if I receive a settlement offer from an insurance company?

Before accepting any settlement offers, it’s advisable to consult with a lawyer to ensure that the compensation is fair and covers all your damages.

What should I do if I’m involved in an accident with an uninsured driver?

If the at-fault driver is uninsured, you may need to file a claim with your own insurance if you have uninsured motorist coverage. Otherwise, you may need to pursue legal action to seek compensation.

Legal Aspects of Car Accidents

How does Texas determine who is at fault in a car accident?

Texas follows a fault-based liability system. The party responsible for causing the accident is liable for damages. Evidence such as police reports, witness statements, and photos can help establish fault.

What is comparative negligence, and how might it affect my claim?

Texas uses a modified comparative negligence rule, meaning you can still recover damages if you’re partially at fault, as long as you’re not more than 50% responsible. However, your recovery will be reduced by your percentage of fault.

What is the statute of limitations for car accident claims in Texas?

You have two years from the date of the accident to file a lawsuit for personal injury or property damage in Texas. It’s crucial to act within this timeframe to preserve your right to compensation.

How do I obtain a police report for my accident?

You can request a copy of the police report from the local law enforcement agency that responded to the accident or through the Texas Department of Transportation’s Crash Records Information System (C.R.I.S.).

Financial Considerations

What happens if my car is declared a total loss?

If repairing your car costs more than its actual value, it may be declared a total loss. In this case, the insurance company will pay you the value of the car instead of the repair costs.

Do I need gap insurance in Texas?

Gap insurance is beneficial if you owe more on your car loan than the vehicle’s worth. It covers the difference if your car is totaled, ensuring you’re not left paying for a vehicle you no longer have.

Am I entitled to a rental car while my car is being repaired?

If the other party is at fault, you are typically entitled to a rental car or reimbursement for rental expenses. Check your insurance policy for rental reimbursement coverage details.

How can I recover the diminished value of my vehicle after repairs?

You can file a diminished value claim with the at-fault party’s insurance to compensate for the loss in value of your vehicle post-repair. The success of such a claim may depend on the age and condition of your car before the accident.

Post-Accident Legal Actions

What should I consider before filing a lawsuit for a car accident in Texas?

Before filing a lawsuit, consider the extent of your damages, the clarity of fault, and the insurance coverage of the parties involved. Consult with a car accident lawyer, like those at Adley Law Firm, to evaluate your case and determine the best course of action.

How likely is it that my car accident case will go to trial?

Most car accident claims in Texas are settled outside of court. However, having a lawyer who is prepared to go to trial can often result in fairer settlement offers from insurance companies.

How long does the car accident claims process usually take?

The duration of the claims process can vary greatly, from a few weeks to several years, depending on factors such as the severity of injuries, the complexity of the case, and the willingness of parties to reach a settlement.

Insurance Requirements and Consequences

Is auto insurance mandatory in Texas?

Yes, Texas law requires drivers to show proof of financial responsibility, typically achieved by purchasing auto liability insurance. This insurance covers the other driver’s repairs and medical bills in accidents you cause.

What are the consequences of driving without auto insurance in Texas?

Driving without insurance can result in a ticket, fines up to $1,000, and possible suspension of your driver’s license.

What is gap insurance, and do I need it?

Gap insurance covers the difference between what you owe on your car loan and the vehicle’s actual value if it’s totaled. It’s worth considering if you owe more than the car’s worth, and it’s advisable to cancel the policy once you owe less than the vehicle’s value.

Can I receive a discount on my auto insurance for taking a defensive driving course?

Many insurance companies offer discounts for completing a defensive driving or driver education course. Contact your insurer to learn about their specific discount terms.

Will I receive a refund if I cancel my auto insurance policy early?

Yes, if you or the insurance company cancels your policy, you’re entitled to a refund for the unused portion of the premium.

Can my insurance company drop me after an accident?

While your insurer is unlikely to drop you after a single accident, multiple accidents or tickets can lead to higher premiums or non-renewal. If you’re having trouble finding coverage due to your driving history, you may be able to obtain a policy through the Texas Automobile Insurance Plan Association.

Additional Coverage and Considerations

Will my insurance cover a rental car if my vehicle is being repaired?

If you have rental reimbursement coverage on your policy, it will typically cover the cost of a rental car while your vehicle is being repaired due to a covered accident.

Am I covered if I hit an animal with my car?

Comprehensive coverage on your auto policy will typically cover damage from hitting an animal. Your rates may increase upon renewal, but state law prohibits your insurer from dropping you for this type of claim.

What if someone else drives my car and gets into an accident?

Generally, your policy will cover drivers who have your permission to use your car, hold a valid driver’s license, and do not regularly borrow your car. However, be aware of any named driver exclusions on your policy.

Does my auto policy cover theft of personal items from my car?

No, your auto policy does not cover personal item theft. However, your homeowners or renters insurance might provide coverage for stolen items.

If another driver is at fault for an accident, will their insurance pay for my damages?

If the other driver is at fault, their insurance should cover your damages. If they refuse to pay, and you have collision coverage, you can file a claim with your insurer, which may then pursue reimbursement from the at-fault driver’s insurer.

How does an insurance company decide whether to total my car?

An insurance company may declare your car a total loss if the cost of repairs approaches or exceeds the vehicle’s current value. In this case, they will compensate you for the car’s actual value rather than paying for repairs.


Navigating the aftermath of a car accident in Texas involves understanding your rights and responsibilities. This FAQ provides a starting point, but for specific guidance tailored to your situation, consider consulting with the experienced car accident lawyers at Adley Law Firm.

For further information or to seek legal representation, contact Adley Law Firm.

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