FAQs About Texas Car Accidents

After a Texas car crash, you may have questions about the process. Whether this is your first or fifth accident, it’s always good to know what to expect. Here are some FAQs that drivers often have after being involved in a car accident.

How Much Car Insurance Do I Need?

Under Texas law, drivers need to have at least 30/60/25 coverage. This means $30,000 per injured person, $60,000 per accident, and property damage coverage of at least $25,000. If you do not have proof of insurance, you could be given a ticket and fined as much as $350.

What Mistakes Should I Avoid?

You should always stop after an accident, no matter how minor you may think it is. Fleeing the accident scene can result in fines, criminal charges, and other penalties.

Always get evidence of the damages you sustained. Take photos of damage to your car and other property. Save medical bills and other financial losses.

Even if you feel fine after an accident, you should always seek medical attention. Sometimes injuries do not show up right away, and you don’t want the insurance company to think you’re a liar if you suddenly go to the doctor and complain of injuries weeks away. Get checked out right away to protect your legal rights.

Should I Call the Police? 

Yes! Even if the damage was minor, calling police can help your case. The police report is a vital piece of evidence that insurance companies use to determine liability. The police report contains actual details on how the crash happened as well as statements from all involved. Do not let other driver talk you out of contacting the police.

What Happens if a Friend Gets Into an Accident With My Car?

Typically, a friend will be covered under your auto insurance if they have your permission and have a valid driver’s license. However, some policies have limitations and exceptions, so if you’re not sure, contact your insurance agent.

Will My Car Be Considered Totaled in a Crash?

Maybe. This depends on the amount of damage to your vehicle and the cost to repair it. If the repair costs are close to the vehicle’s current value, the insurance company will probably decide to total it. This means that they will pay you the car’s value instead of getting it fixed.

Do I Need to Contact a Lawyer?

For a minor case with no injuries, you probably don’t need a lawyer. You can typically work things out with the insurance company on your own. However, a lawyer can be helpful when things are more complicated, such as long-term injuries and an insurance company trying to lowball you. A lawyer can work with the insurer and help get you full and fair recovery.

Contact a Personal Injury Lawyer

The aftermath of a car accident can be a complicated process. You may be concerned about the next steps. You’ll want to make sure you are doing everything right.

A Houston car accident attorney from The West Law Office, PLLC can assist you with the process. We will investigate your case and help you understand your legal rights. Schedule a consultation today by filling out the online form or calling 281-347-3247.

Source:

tdi.texas.gov/consumer/auto-insurance-faq.html#:~:text=If%20my%20friend%20borrows%20my,%E2%80%9Cnamed%20driver%20exclusion%20endorsement.%E2%80%9D