After a crash or injury, insurers start building their file right away. Understanding the claim process helps you protect your health, your evidence and your right to compensation.
In the First Days
Some injuries appear days later. Prompt treatment protects your health and documents the connection between the incident and your injuries.
The other driver's insurer may ask for a recorded statement early. You are generally not required to give one, and casual remarks can be used to reduce a claim.
Photos, dashcam and surveillance footage, and commercial vehicle data can be overwritten. Early preservation letters help keep it available.
Texas generally allows two years to file a personal injury lawsuit, and claims involving government entities can require written notice much sooner.
The Claim, Step by Step
01
We talk through what happened, the injuries, and the insurance involved, and explain whether and how a claim may proceed.
02
Crash reports, witness information, photographs and video are gathered. In truck cases, driver logs and company records matter.
03
You focus on recovery while medical bills, records and lost income are organized into a complete picture of your losses.
04
A demand is presented to the insurer, and negotiations follow. Texas uses proportionate responsibility, so fault arguments affect value.
05
If the insurer will not deal fairly, a lawsuit can be filed in Harris County or another proper court before the deadline runs.
06
Most claims resolve through settlement, though some go to trial. You make the final decision on any offer.
Practice Areas
FAQ
Personal injury cases are handled on a contingency basis: no attorney fee unless compensation is recovered. The specific terms are explained in writing before you sign anything.
Value depends on the injuries, treatment, lost income, insurance coverage and fault. Anyone quoting a number before reviewing those facts is guessing. We will explain the factors that matter in your case.
Under Texas proportionate responsibility rules, you may still recover if you are not more than 50 percent responsible, though your recovery is reduced by your share of fault.
Direct Attorney Access
Call us 24/7
(832) 892-0207Consultations are free and confidential. No fees unless we recover compensation for you.