What happens next
- Identify the vehicles, drivers, passengers, responding agency and insurers. Keep property-damage and injury documents together but distinguish the two claims.
- Compare the report with photographs, witness accounts, video and medical records. Ask what your own insurer requires under the policy.
- Review available coverage and any offer or release. A disputed injury, conflicting statements or a coverage limit may shape whether to negotiate or file suit.
Timing and deadlines
Report the collision to your insurer promptly under the policy. Save video before it is overwritten. Many Texas injury lawsuits have a two-year filing period, but government vehicles, particular policies and other facts can bring earlier deadlines.
Costs and payment
Ask about deductibles under your own coverage, rental or towing charges, report fees and any reconstruction costs. Get the proposed legal fee separately in writing.
How to prepare
- Bring the report number, policy declarations, claim numbers, repair estimates and any proposed release.
- Keep original dashcam footage and photos showing impact points, signs and sight lines.
- List missed shifts, treatment visits and the names of people who witnessed the collision.
Questions and answers
What if the other driver left or had no insurance?
Give the office your declarations page and any rejection or endorsement. Uninsured or underinsured motorist coverage, if you carry it, may provide an additional claim. Coverage requirements depend on the policy and the circumstances.
Can I resolve the car repairs while treating my injuries?
Possibly. Before signing or depositing a settlement check, have the accompanying language reviewed to see exactly which claims it releases. Keep a copy of every document and check.
The adjuster wants a recorded statement. What should I ask first?
Identify which insurer the adjuster represents, ask the purpose and whether there is a policy deadline. Your obligations to your own insurer may differ from a request by the other driver’s carrier. Bring your policy, the request and any prior statements to counsel.
My car is at a tow yard. What should I save before it moves?
Ask who has the vehicle, what storage charges accrue and whether an inspection or transfer is scheduled. If safe and permitted, document the damage, interior, plates and belongings. Tell counsel before salvage or destruction if the vehicle may be evidence.
I was a passenger. Which information matters at my first appointment?
Identify each driver and vehicle, where you were seated, what you personally saw and which insurers have contacted you. Bring report numbers, injury records and any forms you were asked to sign so each possible source of coverage can be reviewed.
Let’s talk about your next step.
You don’t have to figure it out alone. Talk with Angel’s office about your concerns, upcoming dates and how the team can help.