1. What should I do immediately after an accident to protect my claim?
You should report the accident to law enforcement or the appropriate authority, seek medical care as soon as possible, and preserve evidence such as photos, videos, and witness information.
2. Why is accident reporting and evidence preservation so important?
Official reports and early evidence help establish what happened, who was involved, and whether injuries were caused by the accident. Missing or delayed documentation can weaken an injury claim.
3. Do I need medical treatment even if I feel “okay” after the accident?
Yes. Some injuries do not show symptoms right away. Prompt medical evaluation protects your health and creates records that connect injuries to the accident.
4. How do medical records affect a personal injury case?
Medical records document the severity of injuries, treatment timelines, and recovery progress. Insurance companies rely heavily on these records when evaluating compensation.
5. Should I talk directly to the insurance company?
You are not required to give recorded statements or accept early settlement offers. Insurance adjusters work for the insurer, not for you, and statements may be used to limit payouts.
6. What types of insurance coverage may apply after an accident?
Coverage may come from auto insurance, UM/UIM policies, commercial liability coverage, homeowners insurance, or workers’ compensation, depending on how and where the accident occurred.
7. Can I choose my own repair shop for vehicle damage?
Yes. Texas law generally allows you to choose your repair facility. You are not required to use the insurer’s preferred shop.
8. What if my car is declared a total loss or repairs are undervalued?
Insurance companies must pay fair market value for total losses. Repair estimates and valuations can be challenged with proper documentation and negotiation.
9. What is diminished value, and can I recover it?
Diminished value compensates for the reduced resale value of a vehicle after an accident, even after repairs. It is often available when the other driver is at fault.
10. Can I recover lost wages if I missed work due to my injuries?
Yes. Lost wages may include missed work time, reduced hours, used sick or vacation leave, and lost bonuses or overtime. Documentation from employers and pay records is important.
11. What if my injuries affect my ability to work in the future?
You may be able to recover compensation for reduced earning capacity if injuries limit your long-term ability to earn income or require a career change.
12. What other financial losses can be included in a claim?
In addition to medical bills and lost income, claims may include out-of-pocket expenses, transportation costs, pain and suffering, and long-term care needs.
13. How long do I have to pursue an injury claim in Texas?
In most cases, Texas law provides a two-year statute of limitations from the date of the accident. Missing this deadline may prevent recovery.
14. How can an attorney help with these accident-related issues?
An attorney helps preserve evidence, manage insurance communications, coordinate medical documentation, handle vehicle damage disputes, and pursue full financial recovery.