Immediate Steps at the Scene
Your safety comes first. Turn on your hazard lights and call 911, as some injuries may not be immediately apparent. Rear-end crashes are the main course of the estimated 3 million whiplash cases each year.
Texas law requires you to stop and exchange information after any accident involving injury, death, or property damage exceeding $1,000. Ask other drivers for their contact information and insurance details and make a note of their license plate number. Also, collect contact information from any witnesses, as their statements could be valuable later.
Take photos of vehicle damage, the accident scene, traffic signs, and any visible injuries. These images can provide crucial evidence for insurance claims and potential legal proceedings.
Understanding Texas Insurance Requirements
Texas follows a “fault” system for car accidents, meaning the at-fault driver’s insurance typically covers damages and injuries.
However, many drivers carry only these minimum amounts, which may not cover severe damages. This is why many Texans opt for higher coverage limits or additional protection like uninsured motorist coverage, which can be invaluable if you’re hit by someone without adequate insurance.
Filing Your Insurance Claim
Contact your insurance company as soon as possible after the accident, ideally within 24 hours. Be honest and factual in your account but avoid admitting fault or speculating about what caused the accident.
Dealing with Medical Care and Documentation
Even if you feel fine initially, consider seeing a doctor within a few days of the accident. Some injuries, particularly soft tissue damage, may not manifest symptoms immediately. Having medical documentation from shortly after the accident can be important for insurance claims.
Keep all medical records, bills, and receipts related to your treatment. Also, document any time missed from work due to injuries or medical appointments, as this may be recoverable as part of your claim. Car accident survivors take an average of 2 days off work after a crash, but in a fatal accident, survivors may need as many as 2,570 days off work.
When to Consider Legal Help
While many minor accidents can be handled directly with insurance companies, certain situations may warrant consulting with a car accident attorney. These include cases involving serious injuries, disputes over fault, inadequate insurance coverage, or insurance companies acting in bad faith.
Texas has a 2-year statute of limitations for most personal injury claims, so don’t wait too long if you’re considering legal action.
Remember, dealing with a car accident’s aftermath takes time and patience. Focus on your recovery, document everything carefully, and don’t hesitate to seek professional help when needed. With the right approach, you can navigate this challenging situation and move forward with confidence.
