What to Do After a Car Accident in Texas

A car accident can change your life in an instant. You may feel shaken, uncertain about what to do next, and concerned about medical expenses, vehicle repairs, and insurance complications. Failing to take the proper steps after a crash can weaken your insurance claim, delay treatment, or affect your ability to recover compensation.

At The Law Office of Raul V. Treviño, we understand how stressful this experience can be. We guide Texas drivers through each stage of the claims process, protect their rights under state law, and work to pursue fair results. With the right legal support, you do not have to face this alone.

What to Do After a Car Accident in Texas

Being involved in a car accident is stressful, but what you do in the first few minutes can make a significant difference. Texas law requires drivers to take specific steps after a crash. Following these steps helps protect your safety, preserve your claim, and support your legal options. The guide below explains what to do at the scene and in the days that follow.

Check for Injuries and Prioritize Safety

Your first priority is safety. Even after a minor car accident, hidden injuries may occur. Stay calm and assess everyone’s condition.

• Move to a safe location, such as the side of the road, if vehicles are blocking traffic.
• Check for injuries among all passengers.
• Call for medical help if anyone is hurt.
• If someone requires immediate care, do not attempt to move them. Wait for emergency responders.

Call 911 and Report the Accident

Always call 911 after a car crash. Under Texas law, a police report is required if someone is injured or killed or if there appears to be $1,000 or more in property damage. Provide accurate details about the crash, its location, and whether anyone needs medical attention. Law enforcement will create an official report that supports your insurance and injury claims.

Avoid Admitting Fault at the Scene

Do not apologize or accept blame after an accident. In Texas, fault is determined by law enforcement, insurance investigators, or the courts. Even a brief apology can be misinterpreted as admitting liability and may affect your ability to recover compensation.

Exchange Information With the Other Party

Remain calm and respectful when speaking with the other driver. Do not admit fault or discuss responsibility for the accident.

Collect the following details from all drivers involved in the accident:

• Contact information, such as full name, phone number, and address.
• Insurance information and policy number.
• Driver’s license number and license plate number.
• Vehicle make, model, and color.
• Exact location, date, and time of the crash.

If the other driver refuses to share their information:

• Call the police to document the refusal in the accident report.
• Take photos of the vehicle and the driver if possible.
• Write down the license plate number.
• Notify your insurance company right away.

Document the Scene of the Accident

Record important details as soon as possible. Note the road conditions, weather, traffic signals, and how the crash occurred. This information can help support your version of events if the insurance company disputes your claim.

Take Photos and Collect Evidence

Photograph everything relevant to the crash, including:

• Vehicle damage.
• License plates.
• Road conditions, traffic signs, and signals.
• Any visible injuries.

If possible, use your phone to take short videos or voice notes to document important details while they are still fresh.

Identify Witnesses and Get Their Contact Information

If anyone saw the crash, ask for their full name and phone number. Witness statements can be valuable if the other driver or their insurance company disputes fault.

Notify Your Insurance Company

Report the accident to your insurance company as soon as possible, even if you were not at fault. Provide only the basic facts and avoid making assumptions about who caused the crash. Your insurer will review your coverage, including possible benefits for a rental car, vehicle repairs, or medical payments.

Seek Medical Attention Even for Minor Injuries

Some injuries, such as whiplash or concussions, may not be noticeable immediately after the crash. Seek medical assistance as soon as possible, even if you feel fine. Keep all medical treatment records, test results, and receipts. This documentation supports your injury claim and helps connect your treatment to the accident.

Track Your Damages and Expenses

Accidents often lead to unexpected costs. Keep detailed records of all expenses related to the crash, including:

• Medical bills and treatment receipts.
• Vehicle repairs or replacement estimates.
• Towing and rental car fees.
• Lost wages or income due to time away from work.
• Any other accident-related costs.

Comprehensive documentation helps demonstrate the full extent of your damages to the insurance company and, if necessary, in court.

Be Careful With Social Media

Avoid posting about the accident, your injuries, or your recovery on social media. Insurance adjusters may review online activity, and even casual comments or photos could be used to challenge your claim.

Consult a Car Accident Attorney

Working with a car accident attorney can make a significant difference in the outcome of your claim. At The Law Office of Raul V. Treviño, we help clients across Texas handle the challenges that follow a serious crash.

Our firm can:

• Communicate with insurance companies and handle negotiations on your behalf.
• Gather evidence to support your claim and establish fault.
• Calculate the full value of your damages, including medical bills, lost wages, and pain and suffering.
• File necessary legal documents within required deadlines.
• Represent you in settlement discussions or, if needed, in court.

With experienced legal representation, you can focus on recovery while our team handles the legal details and works to pursue fair compensation for your losses.

Understand Texas Car Accident Laws

Key points to know under Texas law:

• Accidents involving injury, death, or property damage of $1,000 or more must be reported to law enforcement.
• Texas uses a comparative fault system. If you are more than 50% responsible for the crash, you cannot recover damages.
• The statute of limitations for most personal injury and property damage claims is two years from the date of the accident.
• Texas drivers are required to carry liability insurance. The minimum coverage is $30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage.

Whose Auto Insurance Should You Contact After a Car Accident

In Texas, drivers should report the accident to their own car insurance company first, even if they were not at fault. Your insurer can help start the claims process, explain your coverage, and communicate with the other driver’s insurance company if needed.

At The Law Office of Raul V. Treviño, we help clients handle these communications carefully. Our team can review your policy, guide you through required reporting steps, and help prevent mistakes that might affect your claim. If the at-fault driver’s insurer becomes involved, we can manage discussions to protect your rights and keep your case moving forward.

How Insurance Works When You’re Not at Fault in Texas

If the other driver caused the accident, their insurance is generally responsible for covering your damages. However, under Texas’s comparative fault rule, your compensation may be reduced if you share any portion of responsibility for the crash.

At The Law Office of Raul V. Treviño, we help clients navigate this process by:

• Reviewing insurance policies and available coverage options.
• Filing claims with the appropriate insurer.
• Communicating with adjusters to help prevent low settlement offers.
• Using evidence, such as crash reports, medical records, and witness statements, to support your claim.

Our team’s goal is to guide you through each step so you understand your rights and avoid common pitfalls that can delay or reduce compensation.

How Do I Negotiate With Insurance Companies After an Accident?

Negotiating with insurance adjusters can be difficult, especially when you are focused on recovering from your injuries. These companies often seek to minimize payouts, which can leave you with less than the full value of your losses.

At The Law Office of Raul V. Treviño, our car accident lawyer guides clients through the negotiation process by:

• Reviewing all medical, repair, and expense documentation to accurately assess claim value.
• Handling communication with insurance representatives to prevent misstatements or pressure tactics.
• Advising clients on whether an offer fairly reflects the extent of their damages.
• Advocating for fair and complete compensation through direct negotiation or legal action when needed.

With our firm’s support, you can stay focused on your recovery while we handle the legal and administrative challenges that come with accident claims.

Be Cautious When Speaking With the Other Driver’s Insurance Company

The other driver’s insurance company may contact you soon after the accident. Their representatives often ask questions that can be used to limit or deny your claim. Avoid giving recorded statements or discussing fault until you have received legal advice.

How Long After a Car Accident Do You Have to File a Claim in Texas?

Under Texas Civil Practice and Remedies Code §16.003, most car accident-related claims must be filed within two years of the date of the crash. This deadline applies to both personal injury and property damage cases.

Deadlines to keep in mind:

• Personal injury claims: Two years from the accident date.
• Property damage claims: Two years from the accident date.
• Uninsured motorist coverage/underinsured motorist coverage claims: Deadlines vary depending on your policy terms and notice requirements.

Failing to file within the applicable time limit may prevent you from recovering compensation. At The Law Office of Raul V. Treviño, we help clients track these deadlines and file the necessary documents on time to preserve their legal rights.

Why Choose The Law Office of Raul V. Treviño

At The Law Office of Raul V. Treviño, we understand that a serious accident can affect every part of your life. Our firm provides dedicated representation to help clients recover physically, financially, and emotionally after a car crash.

With more than 20 years of trial experience, Raul V. Treviño approaches every case with preparation, strategy, and care. We take time to understand each client’s needs, build strong claims supported by evidence, and communicate clearly at every stage of the legal process.

Our firm serves individuals and families across San Antonio, Austin, Dallas, and Houston, offering bilingual support for Spanish-speaking clients. Whether you are dealing with injury claims, criminal charges, or family law issues, we work diligently to help you move forward with confidence and clarity.

Free Consultations for Car Accident Claims

We offer free initial consultations for car accident cases. During this meeting, our team reviews your situation, explains your legal options, and answers your questions about the claims process. There is no obligation — just a chance to understand your rights and next steps.

To schedule your free consultation, call 210-409-8788 or reach out through our online contact form.

Testimonials

“Raul Treviño is an exceptional attorney who delivers results with professionalism, dedication, and genuine care for his clients.” — Melissa F.

“Raul and his staff were absolutely amazing. Walking me through each step and ensuring that they would be there. I highly recommend him for any of your legal needs.” — Robert F.

“Great experience with Raul and team. He is always on top of his work and very attentive to his clients.” — Naomi C.

Frequently Asked Questions

Will My Insurance Rates Increase After a Car Accident?

Insurance premiums may increase after a claim, depending on fault, claim severity, and your driving history. Drivers found at fault often face higher premiums for several years. However, some insurers offer accident forgiveness for first-time claims.

How Can I Get a Copy of the Police Report?

You can request your crash report through the law enforcement agency that responded to the accident. Most Texas agencies, including the Texas Department of Transportation (TxDOT), allow requests online or by mail. This report provides an official account that supports insurance and legal claims.

Do I Need Uninsured or Underinsured Motorist Coverage?

Uninsured and underinsured motorist coverage provides additional protection if the at-fault driver lacks adequate insurance. It can help pay for your medical bills, lost wages, and vehicle damage. Having this coverage can make recovery smoother when the other party’s policy falls short.

Can I Still File a Claim if I Wasn’t Wearing a Seatbelt?

Yes. If you weren’t wearing a seatbelt, the court may still allow your claim, but it could reduce your compensation depending on how much the seatbelt might have helped lessen your injuries.

Take the First Step Toward Fair Compensation After Your Car Accident

A car accident in Texas can leave you overwhelmed with medical expenses, repair costs, and pressure from insurance companies. Taking the right steps after a crash protects your health, your rights, and your ability to pursue fair compensation.

At The Law Office of Raul V. Treviño, we help clients throughout San Antonio, Austin, Dallas, and Houston understand their legal options and move forward with confidence. Our law firm provides clear communication, experienced guidance, and personalized attention at every stage of the claims process.

If you were injured in a Texas car accident, we invite you to schedule a free consultation. Call 210-409-8788 or reach out through our online contact form to discuss your situation with our team.