Texas Defense Team
TEXAS DEFENSE TEAM
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Personal Injury — All 254 Texas Counties

Texas Car Accident Lawyers — We Work on Contingency

Texas has some of the highest traffic volume and accident rates in the United States. If you were injured in a car accident through someone else's negligence, you may be entitled to compensation for medical bills, lost wages, and pain and suffering. No fee unless we recover for you.

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What You Need to Do Immediately After a Texas Car Accident

The actions you take in the first hours after a car accident significantly affect your claim:

1. Get medical attention immediately. Even if you feel fine, some injuries — whiplash, traumatic brain injury, internal bleeding — do not present symptoms until hours or days later. Gaps in medical treatment are used by insurance companies to minimize your claim.

2. Call the police. Texas requires reporting accidents resulting in injury, death, or property damage over $1,000. A police report is important evidence in your claim.

3. Document the scene. Photograph the damage, the road conditions, any traffic signs, and your injuries. Get the other driver's license plate, insurance information, and contact information.

4. Do not give a recorded statement to the other driver's insurance company. Insurance adjusters are trained to minimize claims. Before speaking to any insurance representative, speak to an attorney.

5. Contact Texas Defense Team. We investigate the accident, identify all liable parties, document your damages, and handle all insurance negotiations. Most car accident cases settle before trial.

Texas Law Citations
  • Tex. Transp. Code §550.026Duty to report accident resulting in injury or death
  • Tex. Civ. Prac. & Rem. Code §16.0032-year statute of limitations for personal injury
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Proving Fault in a Texas Car Accident Case

Texas is a fault state — the driver who caused the accident is responsible for damages. Fault is established through:

• Police accident reports and citations
• Witness statements
• Traffic camera and dashcam footage
• Cell phone records (texting while driving)
• Black box data from newer vehicles
• Accident reconstruction expert testimony

Texas comparative fault: Under Tex. Civ. Prac. & Rem. Code §33.001, if you are partially at fault for the accident, your recovery is reduced by your percentage of fault. If you are more than 50% at fault, you recover nothing. Insurance companies aggressively try to shift fault onto injured parties — our investigation counters this tactic.

Texas Law Citations
  • Tex. Civ. Prac. & Rem. Code §33.001Modified comparative fault — 51% bar

What Damages Are Available in a Texas Car Accident Claim?

Compensation in a Texas car accident claim may include:

Economic damages:
• All past and future medical expenses
• Lost wages and lost earning capacity
• Property damage (vehicle repair or replacement)
• Out-of-pocket expenses related to the accident

Non-economic damages:
• Pain and suffering
• Mental anguish
• Physical impairment and disfigurement
• Loss of enjoyment of life

Exemplary damages: Available when the at-fault driver's conduct was grossly negligent (drunk driving, street racing) under Tex. Civ. Prac. & Rem. Code §41.003. Caps apply.

Insurance companies start working against your claim from the moment of the accident. Texas Defense Team levels the playing field — we know how carriers evaluate claims and how to maximize your recovery.

Texas Law Citations
  • Tex. Civ. Prac. & Rem. Code §41.003Exemplary damages — gross negligence standard
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Frequently Asked Questions

How long do I have to file a car accident lawsuit in Texas?+

Texas has a 2-year statute of limitations for personal injury claims under Tex. Civ. Prac. & Rem. Code §16.003. The clock typically starts on the date of the accident. Do not wait — evidence disappears, and late filing permanently bars your claim.

What if the other driver was uninsured or underinsured in Texas?+

If the at-fault driver has no insurance or insufficient coverage, your own UM/UIM (uninsured/underinsured motorist) coverage may apply. Texas law requires insurers to offer UM/UIM coverage. Texas Defense Team handles UM/UIM claims against your own insurer when the at-fault party cannot fully compensate your damages.

Should I accept the insurance company's first settlement offer?+

Almost never. Initial settlement offers from insurance companies are typically far below the actual value of your claim, especially before the full extent of your injuries is known. Once you accept a settlement, you cannot pursue additional compensation. Texas Defense Team evaluates your damages — including future medical costs — before recommending any settlement.

Injured in a Texas car accident? Free case evaluation — no fee unless we win.📞 (512) 599-9000Or submit your case online →
Last reviewed by Stephen T. Bowling, September 2026. Texas Defense Team is a DBA of Steve Bowling Law, PLLC. This content is for general informational purposes only and does not constitute legal advice. Contact us at (512) 599-9000 for advice specific to your situation.
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