What Steps Should I Take If I Am Injured In An Auto Accident?

If you’ve been injured in an auto accident, your first step should be to exchange information with all of the involved parties, making sure to obtain their insurance information. You should also obtain timely and appropriate medical attention for your injuries.

Next, you need to notify your insurance company’s claims department of your involvement in the accident (the contact information for your insurance carrier should be listed on your insurance I.D. card or policy documents). Inform the claims department that you are seeking or receiving medical attention and verify with your claims department the type of coverage available under your policy. Your policy might include collision coverage for property damages and/or coverage for your medical expenses. You should also determine whether you have uninsured or underinsured coverage in the event that the other driver is uninsured or has an insufficient amount of insurance coverage to satisfy all of your damages.

If possible, secure evidence at the scene of the accident, such as photographs of the damages to your vehicle. If there are witnesses who may have seen the accident, obtain their contact information, as their testimony could become important in proving liability.

Can I File A Personal Injury Claim If I Was Partially At Fault For The Auto Accident?

Texas follows a comparative fault process whereby a jury is asked to determine each party’s percentage of fault for an accident. This means that the amount of money you will receive for your damages could be affected or reduced based on your percentage of responsibility. It is important to note that Texas has a very strict percent bar rule, which means that if you are determined to have been more than 50 percent at fault for the accident, then your claim may be barred. However, you might still be able to recover compensation through your own insurance company by filing a claim, regardless of the amount of fault attributed to you.

What Are The Time Limits For Bringing An Auto Accident Claim In Texas?

There is a two-year statute of limitations for filing an auto accident claim in Texas, after which your claim may be forever barred. There is not necessarily a time limit for notifying the other party’s insurance company, but if you do not at least notify your own insurance carrier, then they might claim that you waived coverage by failing to timely report the accident. If you have any concerns about how to appropriately file a claim, then you should speak to an attorney as soon as possible. An attorney will be able to explain all of your rights and let you know which rights you may be giving up by failing to report the accident in a timely manner.

Should I Notify My insurance Company When I’ve Been In A Car Accident?

If you’ve been involved in a car accident, you should definitely notify your insurance company. It is very common, particularly in border communities, for people to be uninsured; even if they present an insurance identification card to you or an officer at the scene of the accident, it could very well turn out to be the case that they do not in fact have coverage. Under such circumstances, you may need to seek compensation from your own insurance carrier through uninsured motorist coverage, which is why it is critical that you notify them of the accident. If the other party does have insurance coverage but your damages exceed their policy limits, then you may be able to recover additional compensation under your own policy’s underinsured motorist coverage. In addition to all of that, you might be able to obtain recovery under medical expense coverage or personal injury protection.

For more information on Steps To Take In An Auto Injury Claim In TX, a free case evaluation is your next best step. Get the information and legal answers you are seeking by calling (915) 301-7819 today.