Everything You Need to Know About Car Accidents

A motor vehicle accident can turn your life upside down in an instant. The physical pain, emotional distress, and financial burdens that follow can be overwhelming. You may be facing mounting medical bills, lost wages, and uncertainty about the future. It's natural to feel lost and unsure of where to turn.

That's why understanding your rights and the legal options available to you is crucial. Learning more about motor vehicle accident claims and personal injury law in Texas can empower you to make informed decisions about your case. By seeking compensation for your injuries, you can take a step towards rebuilding your life and securing the financial stability you need to move forward.

If you’ve been injured in an accident, a good place to start is reviewing this comprehensive guide to motor vehicle accidents and legal compensation. The next step is to contact a personal injury attorney for personalized guidance for your case.

What Common Dangers on the Road Should I Anticipate? 

Aggressive Drivers
Speeding Drivers
Distracted Drivers
Drowsy Drivers
Drunk Drivers
Construction
Seasonal Road Hazards

What Is Defensive Driving and How Can It Help Me? 

Follow Posted Traffic Signals and Signs
Maintain Your Vehicle
Prepare Before You Go
Pay Attention
Allow Space Between Your Vehicle and Forward Traffic
Watch Your Speed
Do Not Rely on Other Drivers
Plan Your Escape
Don’t Depend on Your Car’s Safety Features
Mind Your Blind Spots
Be Wary of Dangerous Drivers
Be a Courteous Driver
Be Mindful of Your Children
Help Teens Drive Safely

What Are the Right-of-Way Laws in Texas? 

What Is Right-of-Way?
What Are the Basic Right-of-Way Guidelines?

What Kinds of Accidents Could I Encounter? 

Small-Scale Accidents
Hit-and-Run Accidents
Multi-Vehicle Accidents
Pedestrian Accidents
Electric Scooter Accidents
Bicycle Accidents
Motorcycle Accidents
Rideshare Accidents
Delivery Truck Accidents
School Bus Accidents
Truck Accidents
Other Common Types of Accidents

What Should I Do If I Get in an Accident? 

What Do I Need to Do at the Scene of the Accident?
What Do I Need to Do After the Accident?

Why Would Someone Avoid Involving Insurance After an Accident? 

What Do the Police Do About Uninsured Drivers?
When Am I Required to Report an Accident?
How Do I File a Car Accident Claim If the Other Driver Doesn’t Carry Insurance?

What Are the Most Common Car Accident Injuries? 

How Can I Protect My Claim when Receiving Medical Care?
What Questions Should I Ask My Doctor After a Car Accident?
Can You Explain My Injuries in Layman’s Terms?
How Will My Injuries Affect My Life?
Were My Injuries Caused by the Accident?
What Should I Do After Being Discharged from the ER for a Car Accident?

What Is Fault in a Car Accident Claim? 

What Are Damages in a Car Accident Claim?
What Kinds of Damages Can I Claim in My Car Accident Case?

What Is the Role of Insurance in My Personal Injury Case? 

How Does Car Insurance Work in Texas?
What Additional Car Insurance Coverage Options Are Available?
How Does the Car Accident Insurance Claims Process Work?
What Tactics Will Insurance Companies Use to Lower My Compensation?
Will Insurance Cover the Cost of a Rental Car?
Is Your Texas Car Accident Settlement Taxable?
Can I File an Insurance Claim If I Wasn’t Wearing a Seat Belt During My Car Accident?
How Do Pre-Existing Conditions Affect Personal Injury Claims?
How Do I File a Personal Injury Claim If I Was Injured as a Passenger?
Can I File a Personal Injury Claim If I Was in an Accident in a Company Car?

Should I Work with a Texas Car Accident Attorney? 

Can I Afford an Accident Attorney?
What Is My Car Accident Attorney’s Role in My Personal Injury Claim?
What Should I Tell My Personal Injury Attorney?
Will My Case Go to Court If I Hire a Personal Injury Attorney?

What Common Dangers on the Road Should I Anticipate?

Driving has become such a normal part of our lives that we often forget how dangerous it can be. The roads we travel on are full of hazards, and it’s a good idea to be aware of them so we can arrive safely at our destinations.

Aggressive Drivers

Aggressive drivers are more interested in making a point than in driving safely, and they use the following behaviors to get their point across:

  • Tailgating
  • Flying in and out of traffic
  • Speeding excessively
  • Refusing to yield the right-of-way
  • Using obscene hand gestures, taunts, excessive honking, flashing headlights, and more
  • Cutting off other drivers
  • Passing illegally
  • Ignoring posted traffic signs, lights, and signals
  • Zipping across multiple lanes without concern for other motorists
  • Blasting through road construction

Some aggressive drivers go so far as to bump or tap other drivers purposefully and may attempt to drive them off the road. Steering clear of aggressive drivers is always in your best interest.

Why Are Aggressive Drivers So Dangerous?

When motorists take out their anger on the road, they put everyone at considerable risk. As such, aggressive drivers can be fined up to $200 and even spend time in jail for every conviction of a moving violation caused by aggression.

When you spot a dangerously aggressive driver on the road, alert the authorities when it is safe to do so. It could help prevent a life-threatening accident.

If you have been injured by an aggressive driver, contact a personal injury attorney to get the compensation you need to recover.

Should I Brake Check an Aggressive Driver?

While it is never comfortable to have another vehicle move in too close from behind, brake checking (hitting the brakes to get another driver to increase following distance) is dangerous and never appropriate. When a forward driver slams on his or her brakes for no other reason than to show irritation, that driver puts everyone on the road in danger.

In addition, brake checking could place the fault of any ensuing accident on you. Even if the rear driver is a reasonable distance from the driver who checks his or her brakes, the rear driver has to hit the brakes, too, which can lead to an accident with another vehicle. In other words, the brake-checking driver does not necessarily have to be directly involved in the accident to be found responsible.

Speeding Drivers

When motorists speed, they have less time and less space on the road to react safely to dangers ahead. Excess speed also decreases the effectiveness of safety structures, such as crash cushions, guardrails, impact attenuators, concrete barriers, and median dividers. These factors combine to make speeding accidents especially deadly.

Speed has been identified as a major risk factor on our roads for decades, but this fact has not done much to slow drivers down.

What Are the Statistical Impacts of Speeding?

The National Safety Council’s Injury Facts shares these grim statistics from 2019:
  • Nearly 9,500 people were killed as a result of excess speed.
  • Speed played a significant role in 26 percent of deadly traffic crashes.
  • An average of 25 people lost their lives every day in speed-related accidents.

Speeding accidents are serious and incredibly common. If you are involved in an accident with a speeding motorist, contact a Texas car accident lawyer for help with your claim.

When Do I Need to Adjust My Driving Speed?

Speed plays such a critical role in traffic safety that every road has a posted speed limit set for optimal driving conditions. Motorists should follow posted speed limits, but they must also slow down in relation to all the following factors:

  • The dangerous effects of bad weather
  • Poorly maintained roads
  • Low visibility
  • Road construction
  • Debris on the roadway
  • Heavy and erratic traffic
  • Traffic accidents on the road

Distracted Drivers

Drivers owe their complete attention to the road ahead, and when they are focused on anything other than driving safely, they are far more likely to cause dangerous accidents.

If a distracted driver leaves you injured in a car accident, seek professional legal counsel from an experienced injury attorney.

What Behaviors Can Distract from Safe Driving?

Distracted driving, more common among younger drivers, is illegal in Texas. The NHTSA relays that using your smartphone, eating, drinking, conversing with passengers in your car, and fiddling around with your stereo or GPS are all forms of distraction. Anything that diverts your attention from maneuvering your car safely is a dangerous distraction.

Why Is It Illegal to Use a Smartphone While Driving?

Texting behind the wheel is extremely dangerous. In the five seconds or so that it takes to send or read a text, a motorist traveling at highway speeds can travel the distance of a football field. Because of these inherent dangers, Texas prohibits almost everything relating to texting, emailing, or using a phone while driving:

  • Drivers cannot send or receive emails or texts.
  • Drivers with learner’s permits cannot use cell phones for their first six months of driving.
  • Drivers cannot use any handheld device in a vehicle in a school zone.
  • Drivers under 18 years of age cannot use handheld devices.
  • School bus drivers cannot use handheld devices while children are present.
  • Drivers cannot hold a phone in their hand in a school zone or active construction zone.

There are some statutory exceptions for bona fide emergencies, but it’s generally best to leave your phone untouched while driving in Texas.

If you receive a phone call or text while driving, the Department of Transportation

Penalties for distracted driving violations are $25 to $99 for a first offense and up to $200 for subsequent offenses. Certain municipalities may have higher fines, and court costs and fees are often added to the fines.

Some instances of texting and driving may also come with a three-point hit on your driver’s license record, which can increase your insurance rates and remove safe driver discounts.

Can I Recover Compensation If I Have Been Hurt by a Distracted Driver?

You can recover compensation if you have been injured by a distracted driver. In most cases, you would not even have to show that the other driver was distracted, as simply establishing that he or she caused the accident will be sufficient to recover compensation. A skilled Texas personal injury attorney will help you on the path to compensation.

Drowsy Drivers

If you have not had enough sleep, it decreases your ability to drive safely. In fact, exhaustion can lead to impairments that mimic the diminished capacity experienced by drunk drivers in the following areas:

  • Thinking clearly and making sound decisions
  • Controlling movements
  • Paying attention to driving safely
  • Reacting to hazards, signals, and other drivers

A motorist who has been awake for more than 20 hours is as impaired as a motorist who is over the legal limit for blood alcohol content.

How Can I Avoid Drowsy Driving?

  • Getting enough sleep on a daily basis (about seven to eight hours a night)
  • Preparing for long trips by getting plenty of sleep the night before
  • Avoiding alcohol before getting behind the wheel (Alcohol can exacerbate the effects of drowsiness)
  • Ensuring that any medication one takes does not list drowsiness as a side effect

When Am I Too Tired to Drive?

Even if you have had a solid eight hours of sleep, fatigue can hit you unexpectedly. If you experience any of the following dangerous warning signs, it is time to pull off the road or let someone else drive:

  • You do not remember the last few miles of driving.
  • You cannot stop blinking and yawning.
  • You notice that you are drifting outside of your lane.
  • You cross the rumble strip on the side of the road.
  • You sail past your destination or miss your exit.

Some fatigued motorists even go through periods of micro-sleep, which amounts to short, unintended bursts of inattention that are extremely dangerous.

If you experience any sign that you are driving while overly tired, pull over at the next exit and change drivers, get a room for the night, or do whatever else you need to do.

Drunk Drivers

The Centers for Centers for Disease Control and Prevention (CDC) shares that nearly one in three traffic deaths in America involves an impaired motorist. Further, Texas drivers self-report driving under the influence at a higher rate than the national level.

Impaired drivers put everyone else on the road at considerable risk. As blood alcohol concentration (BAC) increases, drivers experience effects that interfere with driving ability:

  • Altered mood, increased relaxation, and exaggerated behaviors
  • Loss of judgment and difficulty detecting danger
  • Losses related to control of small muscles, such as problems with visual focus
  • Poor muscle coordination, which can lead to problems with speech, vision, balance, hearing, memory, and reaction times
  • Compromised alertness, control, and reaction times
  • Inability to multitask

In Texas and most other states, motorists who drive with a BAC of .08 or above are over the legal limit and can face drunk driving charges. However, motorists don’t have to be over the limit to experience the exceptionally dangerous effects of alcohol behind the wheel.

If you’ve been injured by a drunk driver, contact a skilled drunk driving accident lawyer to help you on the path to recovery.

What Does Drunk Driving Look Like?

While there are some common signs that a driver may be impaired, it is important to trust your instincts and steer clear if you think a driver may present a danger. The following signs are closely associated with drunk driving:

  • Drifting or swerving between lanes
  • Ignoring traffic signs
  • Speeding or driving too slowly
  • Braking and accelerating erratically
  • Signaling incorrectly or unpredictably
  • Using headlights inappropriately
  • Tailgating

What Should I Do If I Encounter a Drunk Driver?

If you share the road with a driver you suspect to be drunk, follow these important steps:

  • Leave as much space between your vehicles as possible.
  • Call 911 when it is safe to do so.
  • Provide 911 with information about the drunk driver’s vehicle and your current location.
  • Exit the roadway or remain a safe distance behind the impaired driver.

Impaired drivers are so unpredictable and dangerous that you should never attempt to pass when you identify a drunk driver in front of you. If a drunk driver is behind you, your safest option is probably exiting the roadway as soon as safely possible.

What Should I Do If I Am Drunk and Need to Get Home?

Motorists are responsible for driving safely and responsibly every single time they get behind the wheel of their vehicles. A responsible driver who overindulges in alcohol has plenty of options, and getting behind the wheel should never be among them. Responsible choices include calling a friend or family member for a ride, hailing a cab, or grabbing an Uber. When drivers under the influence of alcohol choose to get behind the wheel, they endanger everyone on the road.

How Can I Prove that the Driver that Hit Me Was Drunk?

When the driver who leaves you injured is charged with DWI, it makes proving negligence in your car accident case less challenging. However, even if he or she is not charged, there is likely to be evidence that supports impairment.

If you were injured in a car accident that was caused by someone whom you believe was under the influence of alcohol, tell the police officer at the scene of the accident. Describe any signs of drunk driving that you witnessed.

If you are asked to be interviewed or to testify against the driver, cooperate fully – under the advisement of your experienced Texas personal injury attorney – and focus on relaying the truth as accurately as you can.

Proving the other driver’s impairment will ultimately come down to having sufficient evidence, which can include all the following types of proof:

  • The police report
  • Your account of how the accident happened
  • Your account of the suspect driving practices you witnessed
  • Footage from dashcams and security cameras that caught any part of the accident
  • Photos and videos taken at the scene
  • Any physical evidence from the accident scene
  • Eyewitness accounts
  • The testimony of experts in relevant fields
  • Accident recreation models that depict how the accident played out

Personal injury claims are predicated on evidence, and your Texas accident attorney is well prepared to gather all the evidence in your case in a focused effort to build your strongest claim.

What Is the Texas Dram Shop Law and How Will It Affect My Case?

In the State of Texas, a bar that serves a patron to the point of obvious impairment can share legal responsibility if that patron’s impairment leads directly to a car accident. Such cases are known as dram shop cases.

The Texas dram shop law includes two necessary components:

  • Someone who serves alcoholic beverages under a state license or permit can’t provide alcoholic beverages to patrons who are obviously intoxicated to the degree that they are a clear danger to themselves or others.
  • The inebriated patron must be the direct cause of an injury-causing incident.

If an establishment disregards these laws, it may bear responsibility in a personal injury case and could also lose its liquor license.

Dram shop cases often use the following forms of evidence:

  • Eyewitness testimony from other patrons that the at-fault driver exhibited signs of obvious intoxication
  • Receipts or other evidence of how much and when the at-fault driver was served
  • Gauging the at-fault driver’s level of intoxication at the time of the accident and inferring what it must have been when he or she left the bar

Seasonal Road Hazards

Texas is known for its varied seasons, which can present unique driving challenges. Always drive defensively, pay strict attention to the conditions, and follow all the rules of the road to keep yourself and your family safe, regardless of the time of year. If you are injured in a winter weather accident, consult with a Texas personal injury attorney for help.

What Road Hazards Are Common in the Winter?

Winter weather can cause many hazardous road conditions:

  • Wet, icy, snowy, or slushy pavement
  • Rain, sleet, snow, and fog
  • High winds and/or severe crosswinds
  • Blowing sand, snow, or debris

These conditions affect safety on our roads in many ways:

  • Winter weather leads to lowered visibility.
  • Slick roads decrease vehicle performance by diminishing traction, stability, and maneuverability.
  • Bad weather diminishes driver capabilities and can influence operational decisions.
  • Harsh conditions can affect the infrastructure of the roadway over time.
  • Slow speeds and increased accidents can influence traffic flow.

What Do I Need in My Emergency Kit?

The time to think about a winter safety kit is before an emergency. The National Weather Service suggests that your safety kit include the following items:

  • A spare tire
  • Jumper cables
  • A tow rope
  • Flares and/or warning triangles
  • A heavy-duty flashlight
  • Sand or kitty litter (to help you gain traction on mud, soft ground, or ice)
  • Ice scraper
  • A well-stocked first-aid kit
  • Warm clothing
  • Blankets
  • Comfortable, well-fitting boots
  • Water and snacks
  • Candles, a tin can, and matches (for staying warm and melting snow for drinking water)
  • An extra phone charger and an external battery charger

How Should I Adjust My Driving in Winter Weather?

You are well-advised to stay off the roads when the weather is bad. If you do find yourself unexpectedly driving in bad weather, adhere to the following safety protocols:

Slow Down

Be ready to slow down at the first sign that the weather might be changing. Roads can become the slickest of all when light rain or sleet first begins to fall. In addition, high winds can decrease the temperatures on the road, which means that black ice can lurk anywhere, even if temperatures are above freezing. You have to be on your toes at all times.

Plan Your Trip Ahead of Time

Check your route and the weather along that route. If needed, tweak your travel dates, alter your route, and ensure driving during daylight hours as much as possible. It is far easier to make changes before you set out on the road.

Inform Others of Your Travel

Let someone know where you are going and your planned itinerary. If something does go wrong, this ensures that your loved ones are alerted sooner (when there is a better chance of being able to help) rather than later.

Know How to React to Hydroplaning

Reducing your speed can help you avoid skidding and hydroplaning, but if the conditions are right, there may be nothing you can do to stop from going into a spin. If you find yourself hydroplaning, take these steps:

  • Do not panic or slam on the brakes.
  • Methodically ease your foot off the gas pedal.
  • If necessary, apply your brakes slowly and evenly.
  • Ease your steering wheel into the spin (without overcorrecting).

Knowing how to react in such an emergency can save your life.

Other Winter Weather Driving Guidelines

Following these additional guidelines can keep you safe when driving in winter weather:

  • Stay alert to your surroundings – visibility can change quickly.
  • Give other drivers plenty of space.
  • Make sure your low-beam lights and fog lights (if you have them) are on. In very low visibility, hit your hazard lights. Do not engage your high-beam lights in fog.
  • Keep your windshield clear by using your defroster and windshield wipers.
  • Do not engage your cruise control.
  • Use the road’s rightmost edge, roadside reflectors, or painted lines to guide you.
  • Do not forget to listen for vehicles that you may be unable to see.
  • Do not pass another vehicle or change lanes unless necessary.
  • Signal early and ease your brakes instead of stomping on them.
  • If visibility is too low to proceed safely, exit the roadway or pull as far off the road as possible – keeping your hazard lights engaged.

What Road Hazards Are Common in the Summer?

Familiarizing yourself with the risks associated with summer driving can help you and your family stay safe while still enjoying the season. If you are injured while traveling this summer, a skilled Texas car accident attorney can help.

Highways Congested by Vacationers

During summer, roads can become dangerously congested with vacationers, who are typically unfamiliar with the area. These conditions lead to more dangerous driving practices and increased frustrations. Build some additional time into your schedule to allow for increased summer traffic.

Teen Drivers

Summer means that school is out and that dangerous teen drivers are everywhere. Be on the lookout for inexperienced and impulsive teen drivers.

Cyclists, Motorcyclists, and Pedestrians

Summer brings out more cyclists, motorcyclists, and pedestrians. These individuals have much smaller profiles on the road and are much more difficult to see. Make seeing walkers, motorcyclists, and bike riders one of your top safety priorities this summer.

Road Construction

Summer means more road construction, which leads to increased delays and potential driving hazards. Build extra time into your schedule and choose routes that bypass road construction.

Tire Blowouts

The intense heat of summer makes tires more prone to blowouts and other issues. A sudden blowout at highway speeds endangers everyone on that highway. Drivers are responsible for keeping their vehicles, including their tires, in safe working condition.

What Road Hazards Are Common During Holidays?

Our roadways are at their most dangerous around holidays, which are closely associated with increased traffic and alcohol consumption.

Christmas and Winter Holidays

Between Thanksgiving and the New Year, there are countless celebrations, which means there will be more drivers on the road, especially at night. Many of these parties involve alcohol, meaning there are often more drunk drivers on the roads during the holidays.

Halloween

Halloween is a special night for pedestrians of every age, but these special factors conspire to help make the holiday especially dangerous for pedestrians:

  • Halloween is the one night a year when children are encouraged to roam the streets in costumes that often reduce their visibility and restrict their range of motion.
  • Halloween creates excitement that often makes children more impulsive (and more likely to dart into the street).
  • Adults also celebrate, which can leave children less supervised than usual.
  • Adult Halloween parties increase the number of impaired drivers on the road.

Keeping Kids Safe

When you and your children go trick-or-treating, it’s important to remember these safety tips:

  • Accompany children younger than 12 for the entire outing.
  • Walk on the sidewalk the entire time you are out – except when crossing the street.
  • When crossing the street, look left, right, and left again before safely proceeding.
  • Your older children should plan a familiar route for Halloween that is well lit and that requires a minimum number of street crossings.
  • Never cross the road in the middle of the block, between parked cars, from alleys or entrances, or from anywhere other than an intersection or designated crosswalk.
  • Parents and children should put down their phones and avoid distractions while trick-or-treating.

Driving Safely to Avoid Pedestrian Accidents

Driver negligence in residential areas on Halloween is far more likely to prove deadly. Take these steps to reduce the risk of being involved in an accident:

  • Adhere to the rules of the road, including following the speed limit, coming to a full stop at stop signs, and more.
  • Keep speeds low and remain hyper-aware of pedestrians.
  • Slow down on residential streets. Traveling slowly will protect you and any trick-or-treaters who may surprise you.
  • Watch for children walking in the road, dashing across the road, or on medians or curbs.
  • Be cautious when pulling into or out of driveways, alleys, and parking lots.
  • Keep young drivers off the road by giving your teens a lift to where they need to be.

Construction

Road construction is a necessary evil that keeps our roadways in good working condition. However, driving through road construction increases the risk of accidents.

The TxDOT understands that road construction presents complications, and the department has provided suggestions for helping drivers stay safe when traveling through work zones:

  • Pay attention to the speed limit, which can change frequently. Remember that traffic fines double when workers are present.
  • Pay attention to the construction workers and equipment all around you.
  • Follow all posted road construction signs, including lane changes, speed reductions, lanes that narrow, uneven or bumpy roadways, and more.
  • Look for and obey flaggers.
  • Leave ample room between your vehicle and the vehicle in front of you.
  • Avoid all distractions, including your smartphone.
  • Plan your travel route ahead of time. If you can avoid road construction, do so.
  • If you will be traveling through road construction, build extra time into your schedule.

If you’ve been injured by a driver acting negligently in a construction area, you can face serious injury and losses. Contact a Texas car accident attorney to protect your rights and help you get compensation for your losses.

What Is Defensive Driving and How Can It Help Me?

Defensive driving involves anticipating what could happen and strategizing safe moves. There are several basic defensive driving techniques that can help make you a safer driver. However, it’s important to remember that despite your best efforts, other drivers can still cause dangerous accidents around you. If you’ve been injured due to another driver’s negligence, contact a Texas car accident attorney today.

Follow Posted Traffic Signals and Signs  

Make sure to follow all traffic signals, signs, and laws. Always use your turn signals when turning or leaving your lane. Also, pay attention to other drivers' signals; accommodating their intentions makes the road safer for everyone.

Maintain Your Vehicle  

A well-maintained car is a safer car. By keeping up with your car’s regularly scheduled maintenance, you help ensure that you are prepared for any conditions. Keep the following safety checklist in mind:

  • Regularly check your headlights, taillights, blinkers, and hazard lights
  • Regularly check your tires for tread and air pressure
  • Regularly check your windshield wipers and blades
  • Pay attention to how your brakes perform
  • Regularly check your car’s horn

Prepare Before You Go  

Planning your route will improve your chances of arriving at your destination safely and on time. You can search online to find expected road hazards and traffic conditions on your travel route before you head out, which allows you to plan accordingly. If there are significant hazards on the roadways you have chosen, alter your route or build in additional driving time.              

When you get in your car, always take a moment to ensure your seat and mirrors are positioned correctly, your car is functioning properly, you have enough gas, and you are prepared for travel.              

Increasing your safety on the road is all about planning ahead. Putting safety first every time you get behind the wheel decreases your vulnerability to road dangers.

Pay Attention  

A critical component of defensive driving is paying attention to your surroundings:

  • Scan your mirrors frequently to see what is happening on the road around you.
  • Scan the driving conditions 20 to 30 seconds ahead of you to prepare for whatever is coming.
  • If you spot a dangerous driver, allow them as much room as possible. If the matter becomes serious, exit the road and alert the authorities.
  • Do not get distracted by using your phone, eating, grooming, wearing headphones, or getting too engaged with passengers.

By remaining alert, you manage the number of dangerous variables you face on the road.

Allow Space Between Your Vehicle and Forward Traffic  

Leave plenty of space between you and forward traffic. Leaving about three to four seconds worth of space is advised, but it is a good idea to increase the number of seconds you allow in these conditions:

  • Heavy traffic
  • Low visibility
  • Road construction
  • Bad weather, including slippery roads or high winds
  • Poorly maintained roads
  • Debris-strewn roads
  • When you are behind a truck, bus, or delivery truck
  • When the driver behind you is crowding you

It’s always better to be safe than sorry when leaving a safe distance between vehicles.

Watch Your Speed  

Do not exceed the speed limit or drive faster than is safe in the current conditions. Excess speed makes it more difficult to control your vehicle safely and leaves you less time to react safely to sudden dangers. Driving too fast makes accidents more likely, and it increases the risk of fatal accidents.

Do Not Rely on Other Drivers  

You should not rely on other drivers to do the right thing. Do not assume that another driver will slow down or stop to let you pass safely. Have a contingency plan when you see drivers who run red lights, ignore stop signs, or engage in other dangerous behaviors. Barreling forward and hoping that the other driver will react appropriately is not a plan.             

If you are unable to avoid another driver’s negligent behavior and end up in an accident, contact a personal injury attorney for help getting the compensation you need and deserve.

Plan Your Escape  

Always have an escape plan. Position yourself where you are most likely to see other motorists and where others are most likely to see you. As you drive, consider what you would do if an emergency arose ahead and you were required to leave your lane immediately. (Often, this means sticking to the rightmost lane of traffic whenever feasible.)

Don’t Depend on Your Car’s Safety Features  

When you get behind the wheel of your car, driving safely should always be your primary concern, and modern safety features can help. However, these features are intended to augment your own vigilance, not replace it.            

Taking the time to familiarize yourself with your vehicle’s features – when and how they engage, how to react to them, and how to override them if they fail to engage properly – is the best way to maximize the usefulness of your vehicle’s accident avoidance technology.            

 

Back-Up Camera

Back-up cameras help drivers see behind them as they move their vehicles backward. However, these cameras are not foolproof, and a camera can never replace looking with your own eyes.

Antilock Braking System

Antilock braking systems (ABSs) are designed to help you keep control of your vehicle by helping your tires retain traction in bad driving conditions. However, your ABS may not shorten your stopping distance, and it may cause your brake pedal to push back or shudder when engaged. To engage the ABS safely, you must apply firm, even pressure to your brake pedal and steer normally.

Blind-Spot Monitor

A blind-spot monitor will warn you when another vehicle is passing through one of your car’s blind spots. However, these monitoring systems are far less effective at detecting bicyclists, motorcyclists, and pedestrians. The blind-spot monitor is meant to be an aid that should never replace looking over your shoulder to check traffic.

Automatic Emergency Braking System

An automatic emergency braking system will apply the brakes for you automatically in an emergency. The system may not stop you from rear-ending another car, but it could help lessen the ensuing damage.

Mind Your Blind Spots  

Whenever you change lanes, make a turn, take an exit, merge, or leave your lane for any other reason, pay careful attention to your blind spots. Actually turn your head to look in your mirrors and over your shoulder. Motorcycles, cyclists, and pedestrians can easily get lost in the blind spots of other, larger vehicles, so being on the lookout is essential. It is not, however, only your own blind spots that you need to be aware of. The motorists behind larger vehicles on the road, including trucks, vans, SUVs, and semis, experience even larger blind spots along all four sides of their vehicles, and you should make a concerted effort not to position yourself in another driver’s blind spot. Keep all of the following in mind:

  • Always pass on the left and do not linger beside the vehicle you are passing.
  • If you cannot see a trucker’s reflection in the left side mirror, you are in the truck’s blind spot.
  • Many motorists are distracted or do not bother to check their blind spots, so proceed with caution.

Be Wary of Dangerous Drivers  

If you spot a driver whom you suspect of being impaired, drowsy, distracted, or aggressive, act quickly to protect yourself and other motorists. First, give the driver all the room that you can. Dangerous drivers are erratic, and you cannot predict what the motorist might do next. Never attempt to pass when you identify a dangerous driver in front of you. If the dangerous driver is behind you, your safest option is to exit the roadway safely. After distancing yourself from a dangerous driver, call 911 as soon as safely possible. Relay any details you have observed that may help law enforcement identify the vehicle. Information about the car’s make, model, estimated year, color, location, and behavior can all help authorities take a dangerous driver off the road. Reporting dangerous drivers is an important responsibility and may even save lives. If you are unable to avoid the dangerous driver’s reckless behavior and end up in an accident, contact us

Be a Courteous Driver  

Because your actions can provoke other drivers (who may be prone to aggressive driving in the first place), the State of Texas advises us to keep things civil on our roadways:

  • Give the driver in front of you the space he or she needs by refraining from tailgating.
  • Do not flash your lights at other drivers (unless you are warning them of danger ahead).
  • If you are traveling in the left lane and see that another driver would like to pass, move to the right and allow him or her to proceed.
  • Do not make eye contact with aggressive drivers who may interpret the act as a form of confrontation.
  • Do not respond to the taunts of an aggressive driver.
  • If you think a driver’s aggression is endangering you or other motorists, call 911.

Be Mindful of Your Children  

Incorporating these safety techniques into your routine can protect your children while driving:

  • Secure small toys to your baby's car seat. Unsecured toys can fall (leading to distraction) or become a flying missile in an accident.
  • Secure all cargo in the trunk safely away from your young child. Any unsecured items can harm your child in an accident.
  • To minimize distraction, feed and change your baby before heading out.
  • Put a sunshade on the window closest to your baby's seat to keep him or her cool and comfortable.
  • If a collision cannot be avoided, steer your car's hood toward the accident to minimize impact to the passenger area.

Texas Car Seat Laws

Children should be in rear-facing car seats until they reach at least the age of one. Generally, the longer your child stays in a rear-facing car seat, the better. This configuration helps protect your baby’s head and neck if a crash ensues, and it can significantly decrease the risk that the crash will be fatal. All of the following should apply to your baby’s car seat:

  • The car seat should have a carrier handle and be rear-facing only (for your child's first car seat).
  • The car seat should meet all NHTSA standards and should be installed in the back seat (not directly behind the driver’s seat) according to the manufacturer’s instructions.
  • Your child should be properly strapped into the car seat every time.
  • The car seat should be registered with the manufacturer in case of a recall.

Help Teens Drive Safely  

Our teenagers will eventually drive without supervision – a terrifying thought for most of us. Fortunately, these safety tips can help your teen become the safest driver possible:

  • Talk to your teen about inherent driving risks, including the fact that car crashes are the leading cause of death in teenagers and that speeding is often the culprit.
  • Always model safe driving behaviors, including making sure that everyone in the car is buckled up, not driving while distracted or impaired, and adhering to traffic laws.
  • Have your teen practice driving in a variety of driving environments before allowing him or her to drive solo. Experience is critical to safe driving.
  • Carefully explain the risks of not wearing a seatbelt, driving while distracted, and driving while impaired by alcohol, drugs, or exhaustion. The risks for teenage drivers are great, so ensure that your teen driver understands the danger inherent to such activities.

What Are the Right-of-Way Laws in Texas?

When it comes to determining fault in dangerous traffic accidents, it often boils down to who had the right-of-way in the driving situation at hand. When a motorist fails to yield the right-of-way or attempts to push the boundaries of who has the right-of-way, a dangerous accident can result.

Determining right-of-way can play an essential role in your car accident case. Contact a Killeen personal injury lawyer to make sure you correctly identify the right-of-way information you will need to win your case.

What Is Right-of-Way?

Right-of-way refers to who has the right to proceed through traffic and who is required to yield. The motorist, bicyclist, or pedestrian with right-of-way is granted priority in a traffic situation. All other motorists, bicyclists, and pedestrians must yield to his or her safe passage.

Our roads are safest and run the smoothest when motorists follow the rules. When a motorist ignores the right-of-way, it can confuse other drivers and dangerously disrupt traffic flow.

What Are the Basic Right-of-Way Guidelines?

Most right-of-way is determined by signage and traffic lights, but there are also several general rules that you should know:

Yield Sign

Yield Signs
When you see a yield sign, it is a warning that you do not have the right-of-way and that you should proceed with caution by merging into traffic as safely and smoothly as you can.

Reentering Sign

Reentering Traffic
Whenever you pull into traffic from a stopped position (from a parking space or shoulder, for example), the traffic that is already on the road always has the right-of-way.

Merging Sign

Merging from an On-Ramp
When you are merging into traffic from an on-ramp, you have the right-of-way, but you should proceed with caution and merge smoothly with oncoming traffic.

Stop Sign

Four-Way Stops
The first driver at a four-way stop has the right-of-way. If multiple drivers arrive at the same time, the right-most driver has the right-of-way.

Intersection Sign

Intersections Without Signals
When two roads intersect without traffic signals or signs, the traffic on the more heavily traveled road maintains the right-of-way.

Circle Sign

Traffic Circles
When you pull into a roundabout or traffic circle, you must cede the right-of-way to the traffic that is already in the circle.

Turn Sign

Making a Turn
If you are making a right turn in your vehicle, pedestrians in your path have the right-of-way.

Right Sign

Right-on-Red Rule
Once you have come to a complete stop at a red light, you can make a right turn when it is safe to do so as long as no sign specifically restricts such a turn.

Left Sign

Left-on-Red Rule
When you are stopped at a red light at the intersection of two one-way streets, you can make a left turn when it is safe to do so (as long as that left turn corresponds with the direction of the one-way street you are entering).

Trains Sign

Trains
Trains always have the right-of-way because they cannot stop in response to traffic. When you see a train coming, yield and allow the train a wide berth.

Emergency Sign

Emergency Vehicles
When emergency vehicles like police cars, ambulances, and fire trucks have their lights or sirens on, they always have the right-of-way. When you see a police, fire, or emergency vehicle with its lights flashing, slow down and move to a more distant lane whenever possible. If merging to your left is not possible or practical, you must reduce your speed to at least 20 miles per hour below the legal speed limit. When the posted speed limit is below 25 miles per hour, you must reduce your speed to 5 miles per hour (if you cannot move over). This law has been expanded to include slowing down and yielding for Texas Department of Transportation (TxDOT) workers on the side of the road.

Funeral Sign

Funeral Processions
Funeral processions always have the right-of-way.

Pedestrian Sign

Pedestrians

Pedestrians have the right-of-way over vehicles in intersections, crosswalks, parking lots, and areas with heavy foot traffic. Just because a street crossing is not marked does not mean that pedestrians who cross there are not protected by the law.

Pedestrians have their own right-of-way laws with which they must comply to remain safe:

  • At intersections with pedestrian traffic signals, pedestrians can only cross with the WALK signal.
  • At intersections that only have vehicular traffic lights, pedestrians can only cross when facing a green light (not a green arrow).
  • If a pedestrian attempts to cross anywhere other than a marked or unmarked crosswalk (at an intersection), that pedestrian must yield the right-of-way.
  • When walking down a parking lot aisle (facing traffic), pedestrians have the right-of-way over vehicles that are backing out of their parking spaces.

As a pedestrian or a motorist, always prioritize safety and respond appropriately to the traffic around you, even when you have the right-of-way.

SchoolBus Sign

School Buses

When a school bus is stopped with its stop sign out or its lights flashing, all other vehicles in all directions must stop. Passing is not permitted.

Motorcycle Sign

Motorcycles

Motorcyclists have many of the same right-of-way laws as cars, including the requirement of staying in a lane. Lane splitting (riding on the dashed lines between lanes) is not legal in Texas. However, if you were injured while lane splitting in Texas, it does not necessarily preclude you from collecting on the damages you incurred.

ParkingLot Sign

Parking Lots

When you are driving in a parking lot, you should be aware of these right-of-way rules:

  • When backing out of a parking space, you must yield the right-of-way to other motorists and pedestrians in the aisle. This rule holds unless there is a stop or yield sign that specifically affords parked cars the right-of-way when exiting their spots.
  • When you are turning left into an aisle in the lot, oncoming traffic has the right-of-way.
  • When you are turning right into an aisle, you have the right-of-way, but you must accommodate any activity in your path, such as cars that are parking, cars that are pulling out of parking spaces, and pedestrians.
  • When you are pulling out of a parking lot, the motorists already on the road and any pedestrians walking on the sidewalk have the right-of-way. You must wait for a safe opening to join the flow of traffic.

Knowing when to yield the right-of-way is paramount to staying safe on our roadways. It is important to recognize, however, that it is better to be safe than it is to be right. If you sense that another driver is about to usurp your right-of-way, let him or her have it. It is not worth a dangerous accident. Contact a Killeen lawyer if you have additional questions about right-of-way in Texas.

What Kinds of Accidents Could I Encounter?

Car accidents are as varied as they are common. Learn more about different kinds of car accidents and any special considerations they carry. No matter what kind of accident you are involved in, a skilled car accident attorney can help you on the road to recovery.

Motorcycle Accidents

If you ride a motorcycle, you likely know the dangers inherent to the activity. Motorcycle accidents are among the deadliest on our highways.

The Texas Department of Transportation (TxDOT) shares the following grim statistics related to motorcycle accidents in the State of Texas:

  • An average of one motorcyclist dies on Texas’s roads every day.
  • In 2019 alone, 413 bikers were lost in fatal accidents, and another 1,812 were seriously injured in motorcycle crashes.
  • More than 50 percent of all fatal motorcycle accidents are caused by crashes with other vehicles.

TxDOT shares that many of these accidents are the result of the other driver not seeing the motorcycle on the road, misjudging its distance, or underestimating its speed. When you are on your bike, your helmet is the only thing protecting you from the impact of an accident. Make safety your top priority every time you head out on your bike.

Why Are Motorcyclists So Vulnerable in Accidents?

When you are on your bike, there are many factors that leave you more vulnerable to being seriously injured in an accident than the occupants of other vehicles are:

  • When you are on your bike, you take up less space on the road, which makes you more difficult to see and which makes it easier for you to get lost in another driver’s blind spot.
  • Your bike’s smaller profile makes it difficult for other motorists to assess your speed and distance from them accurately.
  • Your bike’s light weight and the fact that you are tethered to the road by only two wheels means you may lose contact with the road when you encounter road hazards.
  • You have only your helmet and gear to protect you from the impact of an accident.
  • Because your bike is lighter than cars, it requires less time and distance to come to a safe stop, leaving you vulnerable to rear-end accidents.

Regardless of your vulnerabilities when you are on your motorcycle, every motorist who shares the road with you owes you the same duty of care that they owe everyone else on the road, including being on the lookout for you and accommodating your safe passage by closely adhering to the rules of the road.

If you are injured in a motorcycle accident, despite your best efforts to stay safe, contact a Texas personal injury attorney for help.

How Drivers Can Keep Motorcyclists Safe?

TxDOT shares the following safety tips for driving around motorcycles:

  • Look twice for motorcycles on the roadway – especially at intersections.
  • Always use your turn indicator and check your blind spots before leaving your lane.
  • Give motorcycles space on the road, and never tailgate a motorcycle.
  • Allow motorcycles their own full lane.
  • Obey all posted traffic signs and signals, including speed limits.
  • Always assume that motorcycles are closer than they appear. Avoid turning in front of an oncoming motorcycle unless you are sure you have plenty of space.

Drivers owe a duty of care to every driver on the road, including motorcyclists. The fact that motorcycles are more difficult to see does not mitigate this responsibility.

How Can I Stay Safe when Riding My Motorcycle?

Always ride your motorcycle with safety in mind, and make being seen your top priority. Follow these tips to help other motorists in your midst see you and share the road with you safely.

  • Proceed as If You Are Invisible
    Proceeding as if you are invisible while on your bike is the best safety practice you can employ – because the sad truth is that, to many drivers, you are. Let this fact guide your decisions.
  • Avoid Blind Spots
    All enclosed vehicles have blind spots that obscure their drivers’ views. Never ride in another vehicle’s blind spot, and be especially wary of semis and other oversized vehicles.
  • Always Use Your Lights
    Most motorcyclists keep their lights on even when traveling during the day. Using high beams during the day can help even more. If it helps other drivers see you, it is worth it.
  • Wear a Piece of Bright, Reflective Clothing
    While your gear likely includes a good deal of black leather, always pop a piece of bright, reflective clothing on top. Reflective clothing can make a difference when it comes to being seen on the road.
  • Always Wear Your Helmet and Safety Gear
    Legally, every rider under the age of 21 must wear a helmet when operating a motorcycle. If you are over 21, complete the necessary safety course, and carry the appropriate insurance, you are not required to wear a helmet. For your health insurance to rise to this level, you must have “MOTORCYCLE HEALTH” on your insurance card or carry a separate card that so indicates.
    While you may not be legally required to wear a motorcycle helmet when you ride in Texas, you are much safer when you do. According to the NHTSA, the statistics related to motorcycle accidents and helmets are staggering:
    The lives of 1,870 motorcyclists were saved by helmet usage in 2017.
    If all motorcyclists had been wearing helmets, another 750 lives could have been saved in 2017.
    When helmet laws include all riders, helmet usage increases, motorcyclist deaths and injuries decrease, and taxpayer dollars are saved.
    If you ride a motorcycle, you are always safest when you wear a helmet.
    Do not forget to wear other safety gear, such as long pants, protective footwear, a jacket, and gloves. There are a wide variety of garments that are specifically designed to help keep you safe when you ride your motorcycle.
  • Follow the Rules of the Road
    Always adhere to the rules of the road, including the speed limit. Always use your blinkers (even if you think your intentions are obvious), and do not engage in illegal maneuvers that could make an accident more likely.
  • Make Safe Choices
    Always position yourself where you are more likely to be seen on the road. Do not crowd other drivers, and make eye contact with other motorists before proceeding into an intersection. Generally, always remain on your best and safest behavior when you are on your bike, especially when changing lanes, assuming the right-of-way, and passing other vehicles.
  • Keep Your Bike Well Maintained
    Like every other vehicle on the road, your bike must pass an annual safety inspection. Regular maintenance also helps ensure that your bike is always roadworthy and reduces the risk of an accident caused by mechanical failure.

Truck Accidents

Truck accidents are some of the deadliest and most terrifying accidents on our roads. While trucking is a big business, far too many trucking companies and truck drivers are not above cutting safety corners for profits, which makes truck accidents more likely.

If you are involved in a truck accident, our team of experienced Texas personal injury attorneys is standing by to help you recover from your damages, which will likely be extensive.

Why Are Semi-Trucks More Likely to Cause Accidents?

Certain factors make semis inherently more dangerous and make truck driver negligence more threatening.

  • Truck drivers experience serious blind spots along every side of their rigs.
  • Semis are immensely heavy and require far greater stopping distances than cars.
  • Semi-trucks need additional room to change lanes and make turns.
  • Improper loading can cause eighteen-wheelers to swerve, fishtail, or even flip.
  • Big rigs’ high center of gravity makes them less stable and more likely to flip.

How Do Truckers and Trucking Companies Maintain Safety on the Road?

Many motorists assume that the trucking company itself is immune from liability when trucking accidents happen, but this could not be further from the truth. Trucking companies are responsible for taking the following actions to promote safety:

  • Hiring safe drivers
  • Performing regular vehicle maintenance and safety checks
  • Enforcing driving schedules and hours of service restrictions
  • Using responsible loading crews

Truck drivers are responsible for taking the following actions to promote safety:

  • Getting enough rest
  • Obeying the rules of the road
  • Driving defensively
  • Avoiding distractions
  • Never driving impaired

What Is HB 19 and How Will It Affect My Claim?

In 2021, lawmakers passed HB 19, which complicates holding trucking companies responsible for accidents. The bill aims to limit excessive lawsuits that make running profitable trucking businesses more difficult, but it has also complicated the claims process for accident victims.

Due to this bill, there are now two phases to the trial process for truck accidents.

  • In the first phase, only evidence related to improper truck maintenance or driver negligence can be introduced.
  • In the second phase, evidence of improper training or supervision can be introduced – but only if the driver was found grossly negligent in the first phase.

Why Are Truck Accident Insurance Claims So Difficult?

Truck accidents are a bit different than most other traffic accidents for several reasons:

  • Truck accidents are likely to involve more than one liable party, such as the trucker and the trucking company.
  • Truck drivers and trucking companies are held to strict federal and state rules and regulations that can directly affect insurance claims.
  • Truck accidents are extremely serious and often cause extensive damages that can be difficult to calculate.

These complications necessitate professional legal counsel. Contact a knowledgeable personal injury lawyer for guidance through the truck accident claim process.

School Bus Accidents

Many children in Texas rely on school buses to take them to and from school each school day. Because our Texas school buses are transporting precious cargo, every driver must prioritize keeping school buses safe. Transporting these kids back and forth is a significant responsibility, but accidents happen. If you or your child is involved in a school bus accident, our team of Texas accident attorneys is ready to help.

What Are the Laws for Driving Around School Buses?

Drivers are held to careful safety standards when a school bus is present:

  • Reduce your speed: Always reduce your speed around school buses, as children may step into traffic unexpectedly.
  • Pay attention at railroad crossings: School buses are required by law to stop at railroad crossings.
  • Stop for flashing red lights: If a school bus’s flashing red lights are visible from the front or rear, you must stop before you reach the bus and remain stopped until the light is turned off or the bus driver motions you to proceed.

Why Don’t School Buses Have Seatbelts?

While school buses are designed for children’s safety, they generally do not have seatbelts. While seat belts are exceedingly important for protecting the occupants of most vehicles from injury, full-size school buses incorporate different kinds of protection:

  • Weight of the bus: School buses are very heavy, and riders experience less crash force in the event of an accident.
  • Compartmentalization: (including strong, close seats with energy-absorbing backs) protects children on buses without the need for seat belts. Smaller school buses are required to have a designated seat belt for every passenger.

How Can Kids Stay Safe at Bus Stops?

Children are at far greater risk of being injured when they are entering or leaving their bus than they are while riding in it. Teaching your child about bus stop safety can help.

  • Children should enter and exit their bus safely, which means after it has come to a complete stop and after the bus driver has indicated it is safe to proceed.
  • Children should exercise caution around the bus, which includes crossing well ahead of it and only after making eye contact with its driver.
  • Children should follow the bus driver’s directions about where to wait and where to walk when exiting the bus.
  • Children should be wary of traffic near their bus stop. Buses slow the flow of traffic, and not all motorists are as responsible and careful as they should be.

Delivery Truck Accidents

The online shopping boom means that we see far more delivery trucks in our neighborhoods. With delivery trucks come special safety concerns – especially on sleepy neighborhood streets where people generally feel safe. If you are involved in an accident with a delivery truck, you are likely facing extensive damage to your vehicle and potential injuries. Contact a Texas personal injury attorney for help recovering your losses.

Why Are Delivery Trucks More Likely to Cause Accidents?

Delivery trucks come with specific safety concerns:

  • Making Sudden Stops: Delivery trucks stop frequently to make deliveries. However, delivery drivers are responsible for knowing their delivery routes, planning their stops ahead of time, and indicating to other motorists when they are preparing to make a stop.
  • Making Sudden Left Turns: When delivery trucks make sudden left turns to shave time off their schedule, they endanger oncoming vehicles, vehicles approaching from behind, pedestrians, and cyclists.
  • Reversing: When a delivery driver chooses to reverse to shave off time – without ensuring that it is safe – that driver endangers everyone in the vehicles approaching from behind.
  • Failing to Use the Parking Brake: When a delivery driver fails to engage the parking brake when rushing to make a delivery, the chances of a dangerous accident greatly increase.

Rideshare Accidents

Accidents with Uber, Lyft, and other rideshare drivers tend to add additional complications to an already difficult insurance claims process. Texas rideshare accident lawyer and knowing what to do if you are injured in an Uber accident can protect your claim and ensure that you obtain the compensation you deserve.

Why Are Rideshare Drivers More Likely to Cause Accidents?

Being a rideshare driver adds unique challenges to the responsibility of driving safely:

  • Rideshare Drivers Don’t Have Professional Training: Uber drivers make a living by driving, but they are not commercial drivers. As such, they bear the responsibility of commercial drivers, but they do not have special training, experience, skill, or licensure and are not held to the rules and regulations of commercial drivers.
  • Rideshare Drivers Have More Distractions: Driving while distracted drastically increases the odds of a life-threatening accident. Driving for a rideshare service comes with distractions built into the process:
    • Uber drivers sometimes interact with the Uber app while navigating traffic.
    • Uber drivers must search out and find their fares using a small picture or destination provided on their Uber app.
    • Uber drivers make frequent stops and starts, often in unfamiliar areas.
  • Rideshare Drivers Are More Likely to Be Drowsy Drivers: Rideshare drivers only get paid when they complete a fare. Many rideshare drivers can’t afford to slow down or are moonlighting after a full-time job. These factors mean that rideshare drivers are more likely to be overworked and drowsy.
    While Uber, Lyft, and other rideshare companies have implemented consecutive hour restrictions within their apps, the bar is very low. Further, many rideshare drivers drive for multiple companies, and no one can stop drivers who can no longer drive for one company from moving to another rideshare company’s app.

How Does Insurance Work in Rideshare Accidents?

If you have been injured in an Uber accident, you need to know whose insurance is at play, but the issue can prove fairly complicated. Consider the following scenarios:

  • If you are injured while riding an Uber, Uber's insurance will cover your damages if the driver is at fault.
  • If you are injured in an Uber accident when you are not in the Uber and the Uber driver has a fare or is on the way to pick up a fare, Uber's insurance will cover your losses.
  • If you are injured in an Uber accident when the Uber driver has no passengers and is not en route to pick up anyone, the Uber driver's insurance will cover your losses after Uber's insurance ends.
  • If an Uber driver leaves you injured in an accident but is not on the app at the time, your claim will proceed through the driver's personal insurance.

Bicycle Accidents

Biking has a lot going for it. You save gas, get a little exercise in, and enjoy the fresh air and beauty all around you. If you are hit by a motorist, however, all those benefits can be dashed. The physical, financial, and emotional losses you experience as a result of being injured in a bike accident can be difficult to take in and adequately process in the hours and early days following the crash.

Because recovering your full range of damages is likely critical to your ability to heal fully, working closely with an experienced Killeen personal injury attorney from the outset is in your best interest.

Why Are Cyclists So Vulnerable?

When you are on your bike, the immense size differential between you and the vehicles around you leaves you exceptionally vulnerable to the powerful impact of an accident. Bicyclists are vulnerable in all the following ways:

  • You lack the metal shell that cars have, which means there is nothing to shield you from the direct impact of an accident.
  • Your size makes it far easier to get lost in drivers’ blind spots and makes it more difficult to see you.
  • When you ride in a bike lane, you are vulnerable to car doors being flung open and other dangers that motorists tend not to experience.
  • Because you ride on only two wheels, you are less tethered to the ground and more susceptible to road hazards.
  • In a bike accident, you are very likely to hit the ground and to be dragged across it, which can cause road rash (serious cuts, abrasions, and burns).

If you are involved in a bike accident, the consequences can be serious. An experienced Texas bike accident lawyer can help you navigate your case and receive adequate compensation.

What Are the Texas Bike Laws?

Texas has comprehensive laws that protect cyclists on the road. When you are on your bike, motorists are required to yield the right-of-way to you as applicable – just like to all other vehicles. Further, motorists are responsible for driving safely around you, which includes allowing adequate space.

However, there are also laws and responsibilities that apply to cyclists. When you take to the road on your bike in Texas, you are responsible for following all the rules of the road:

  • Obey all posted signs, warnings, lights, and signals.
  • Proceed with caution and observe the duty of care you owe others on the road.
  • Ride as near to the right curb as it is safe to do so and travel in the same direction. If you must take a lane of traffic for safety, however, the law affords you the right.
  • Keep at least one hand on your handlebars at all times.
  • Use standard hand and arm signals.
  • Do not ride your bike with more than one person per saddle. The only exception is when you have a child safely strapped into an appropriate child seat.
  • You may only ride two abreast if traffic is not impeded.
  • You must have a white light on the front of your bike and either a red reflector or a red light at the back of your bike.
  • You must have front brakes with a strong enough grip to make the front wheel skid.

How Can I Stay Safe While Riding My Bike?

The following guidelines are not laws in Texas, but following them will help keep you safe when riding:

  • Always Wear a Protective Helmet: While there is no statewide law requiring protective bike helmets in Texas, wearing a helmet is the safest option. When you are on your bike, only your helmet comes between you and the impact of an accident. Wear a helmet whenever you ride your bike.
  • Use Bike Lanes Whenever They Are Available: If there is a bike lane on your route, use it. If your route has no bike lane but an alternate route does, choose the alternate route. Bike lanes keep you out of traffic’s flow and offer a safer alternative to mixing directly with traffic.
  • Wear Highly Visible Clothing: When you are on your bike, you have a smaller profile than other vehicles, and motorists may fail to see you. Wearing bright, reflective clothing helps motorists recognize you.
  • Remain Aware of Your Surroundings: The better you know the area you are cycling in, the safer you will be, especially in highly trafficked areas. Familiarizing yourself with the safest route from point A to point B can go a long way toward helping you arrive alive.

Multi-Vehicle Accidents

If you have been injured in a car accident involving more than two vehicles, it complicates an already difficult situation. Establishing fault can be challenging, and more than one of the other drivers involved may be deemed responsible for the damages you suffer.

Additionally, multi-car accidents have the potential to be more dangerous, which means that your total losses can be higher.

What Causes Multi-Vehicle Accidents?

Pileups and other multi-vehicle accidents are often predicated on slow reaction times. When motorists face a driving challenge ahead and collectively fail to respond quickly enough, it often causes pileups. Multi-car accidents are most common in these scenarios:

  • Failing to Anticipate Road Hazards: Often, pileups are caused by the negligence of a forward driver driving too fast to react safely to a hazard. If this driver spins out or crashes, it can make it nearly impossible for those drivers who follow to react safely. However, if a rear driver fails to leave adequate following distance, he or she can share fault in the pileup.
  • Failing to Respond to Stopped Traffic: If you stop safely behind another stopped motorist, the motorist behind you may not be as conscientious and could slam into you as a result. If this impact forces you into the car in front of you, you have a multi-vehicle accident on your hands. The rear driver is generally responsible.
  • Not Paying Attention at Intersections: Multi-car accidents often happen in intersections, where traffic moving in all directions converges, and more than one driver can share fault. If a speeding motorist plows through a red light and drives directly into the side of your vehicle, that driver is clearly at fault for the T-bone accident that leaves you injured. However, if a distracted driver fails to recognize the accident in the intersection and makes the accident a multi-car affair, that driver will also share a percentage of fault for your damages.

Will I Have to Deal with Multiple Insurance Companies After a Multi-Car Accident?

Multi-car accidents mean you may be dealing with more than one insurance provider, which makes an already arduous process more difficult. Having the professional legal counsel of an experienced Texas car accident attorney on your side can prove invaluable.

Other Common Types of Accidents

Consider these common types of accidents that you may encounter when driving in Texas.

Rear-End Accidents  

Rear-end accidents are often caused by rear drivers who fail to allow enough stopping distance between themselves and forward vehicles.

Rear-end accidents are as common as they are dangerous. The Insurance Information Institute (III) shares that rear-end collisions account for 7.2 percent of all fatal traffic accidents. Additionally, the University of Michigan's Transportation Research Institute has reported all of the following statistics:

  • A full quarter of traffic accidents are rear-ended accidents.
  • Rear-end accidents are five times more likely in urban areas than in rural settings.
  • Occupants in the striking vehicle are more likely to be injured in rear-end accidents.
  • Neck injuries are the most common injuries caused by rear-end accidents.

Distracted drivers often cause rear-end accidents. If traffic patterns change or the forward car needs to slow down for any reason, a distracted driver is much less likely to react safely, and a rear-end accident can easily happen.

The impact endured when you are hit from behind by another motorist can be immense. It can lead to serious injuries, including broken bones, spinal cord, traumatic brain injuries, and other types of catastrophic injuries.

T-Bone Accidents  

T-Bone Accidents

T-bone accidents happen when one vehicle barrels into the side of another. Because the sides of our vehicles lack the buffer zones that their fronts (hoods) and backs (trunks) have, the impact and attendant danger tend to be immense.

T-bone accidents are most common in intersections, and texting motorists are notorious for causing these accidents by entering intersections without paying attention. T-bone accidents can also be caused by motorists who run red lights and stop signs, fail to yield, turn across lanes of traffic, fail to assess oncoming traffic, or do not consider the road’s condition.

Sideswipe Accidents  

A sideswipe accident happens when a motorist drifts or darts into another lane and swipes another car’s side. Sideswipe accidents can send struck vehicles blasting out of their lanes – causing a series of dangerous events in their wake.

Wrong-Way & Head-On Collisions  

Wrong-Way Accidents and Head-on Collisions

The U.S. Department of Transportation (DOT) defines a wrong-way driving crash as an accident in which a vehicle that is traveling against the legal traffic flow collides with a vehicle that is traveling according to the legal traffic flow. While these dangerous accidents frequently take place at accelerated speeds, they can be almost as dangerous at lower speeds.

If you’ve been injured in a wrong-way accident, contact a personal injury lawyer right away.

Causes of Head-On Collisions

Wrong-way accidents are often brought about by distracted, impaired, fatigued, or inexperienced drivers in these common situations:

  • Bad weather prevents drivers from seeing where they should drive on the road.
  • Motorists turn the wrong way on a one-way street.
  • A motorist drifts into a lane of oncoming traffic.
  • A motorist carelessly passes another vehicle on a two-lane road.

Unfortunately, these wrong-way accidents are far too common, and they are nearly universally the result of a very serious degree of driver negligence.

Encountering a Wrong-Way Driver

The terror of encountering a motorist driving toward you is difficult to overstate. In such a situation, you are likely to have nothing but bad options – swerving out of the way (if you have time) may be your only hope of avoiding a violent head-on collision, but swerving suddenly is also extremely dangerous.

The best preventative measure for these accidents is to travel in the right-most lane. Most wrong-way drivers assume they are traveling in the appropriate lane (their right lane on what they presume to be a two-lane highway), but it is actually the left-most lane for you.

Rollover Accidents  

Rollover accidents are most commonly caused by careless driving practices such as speeding. Close to 40 percent of all rollover fatalities involve speeding on roads with posted speed limits of 55 mph or higher. Impairment can also increase the likelihood of a rollover accident. Half of all rollover deaths involve an impaired motorist.

Rollover accidents happen most often on rural highways and roads. Typically, rural roadways are undivided and don’t have the additional safety features of more traveled highways. About 75 percent of rollover deaths occur on country roadways that have posted speed limits of 55 mph or higher.

One way to reduce your risk of a rollover is to maintain your tires properly. Tires connect our vehicles to the road, and when they are worn, damaged, or improperly inflated, your chances of being in a rollover accident increase.

If another motorist’s negligence causes you to be injured in a rollover accident, obtain the professional legal counsel of an experienced Central Texas personal injury attorney as soon as possible.

Parking Lot Accidents  

While there is no limit to the kinds of accidents that can happen in parking lots, certain types of parking lot accidents are very common:

Two Cars Backing Up
One common parking lot accident is when two vehicles back out of their parking spots into one another. The drivers may fail to look, or they may fail to see one another due to their blind spots.
If both drivers are moving at the time of the accident, neither is likely to have the right-of-way, and they may be determined to share fault. If one car is moving and the other is not, the driver in the moving vehicle is likely at fault.

Backing into an Oncoming Vehicle
When a motorist backs out of a parking spot and hits another vehicle in the parking lot aisle, the reversing driver will likely be at fault. Drivers who are leaving their lane of traffic must yield the right-of-way to vehicles that are already in motion, which means that the driver who is backing out is responsible for waiting until it is safe to proceed.

Vehicles Colliding While Vying for a Parking Spot
On some occasions, parking spots can be hard to come by. Some overly aggressive drivers are not afraid to play chicken for parking spots, which can lead to dangerous accidents.

Small-Scale Accidents

Just because your car accident was minor does not mean that it was not overwhelming or that it did not cause injury. A minor car accident often leads to major effort – you must obtain a police report, schedule repairs, and file the appropriate insurance claim.

If you have been involved in a fender bender caused by another driver’s negligence, you may be inclined to forego medical attention because the accident was minor. However, a minor car accident can cause significant physical injuries.

Injuries common to small accidents – including soft tissue injuries and spinal cord injuries – often go undetected until they progress into serious health issues that are more difficult to treat effectively. Early diagnosis is closely associated with improved prognosis. If you have been involved in a minor car accident, seek the opinion of a medical professional to help rule out the possibility of a physical injury.

If you have been involved in a minor car accident caused by another driver’s negligence, working closely with a knowledgeable Central Texas personal injury attorney will help ensure that you are compensated appropriately for any physical injuries you sustain and for any property damage to your vehicle.

Hit-and-Run Accidents

Knowing what to do after a hit-and-run can protect both your health and your car accident claim.

Legal Implications of a Hit-and-Run

When a driver leaves the scene of an accident, that driver breaks the law and makes it more difficult for accident victims to obtain the compensation they need and deserve.

Texas takes a serious stance on hit-and-run drivers, especially when they leave injury or serious property damage in their wake. A hit-and-run driver can be charged with anything from a misdemeanor to a felony, depending on how serious the damages and injuries are.

Why Do Drivers Hit and Run?

Negligent drivers often leave the scene to avoid facing the consequences of their bad choices. Typically, hit-and-run drivers are attempting to hide the fact that they were engaged in dangerous driving practices or should not have been driving.

What to Do If You Are Injured in a Hit-and-Run Accident

If another driver’s negligence leaves you injured and he or she doesn’t bother to stop, this is what you must do:

  • Remember everything about the driver and his or her vehicle that you can.
  • Pull as far out of the line of traffic as possible.
  • Call 911.
  • If anyone else is injured and you are able to render aid, do so.
  • Let the police know everything you remember about the hit-and-run motorist.
  • Take statements from eyewitnesses at the scene.

Motorists who fail to do what is right – and required – after causing an accident make it more difficult for those they injure to recover on their full range of physical, financial, and emotional damages, but recovery isn’t impossible. An experienced Texas personal injury attorney can help you get compensation and reach your fullest possible recovery.

Pedestrian Accidents

Pedestrian accidents are often the result of drivers who do not take the duty of care they owe pedestrians seriously enough, who do not carefully adhere to the rules of the road, or who engage in other forms of driver negligence.

How Can I Stay Safe as a Pedestrian?

When you are on foot, you have nothing to protect you from the impact of an accident, leaving you at a distinct safety disadvantage. Adhering to these safety rules can help you stay safe:

  • Use pedestrian walkways and overpasses whenever they are available.
  • Always cross at a crosswalk with pedestrian signals when possible.
  • Cross the street in a group whenever possible.
  • Wear a brightly colored piece of outer clothing when you walk during the day.
  • If you must walk at night, wear a piece of reflective outer clothing and carry a flashlight.
  • Wear comfortable, well-fitting, and sensible walking shoes.
  • Follow all pedestrian laws, including posted signs, lights, warnings, and signals.
  • Even if it is your turn to cross, do not proceed until it is safe. If you get the sense that an oncoming driver is not going to stop (or is not slowing down appropriately), put your safety first and make sure before proceeding.
  • Do not be a distracted pedestrian. Put your phone and headphones away.
  • If there is no sidewalk and you must walk on the road, always face traffic and stay as far to the outside edge of the shoulder as possible.

Who Is at Fault in a Pedestrian Accident?

Motorists owe pedestrians a serious duty of care due to the danger they pose to them in pedestrian accidents. While motorists are generally responsible for pedestrian accidents, pedestrians can carry blame.

Many people mistakenly believe that pedestrians always have the right-of-way. While it is true that pedestrians should always be afforded utmost caution, pedestrians do not always have the right-of-way.

Fault in pedestrian accidents hangs on right-of-way. When someone on foot darts out between cars – seemingly out of nowhere – when they do not have the right-of-way, oncoming motorists may have no way to avoid an accident. Pedestrians are always responsible for following the rules of the road.

Pedestrians do not have the right-of-way in these situations:

  • When a sidewalk is available, you cannot walk on the roadway.
  • At crosswalks with pedestrian signals, you must wait until the signal allows you to cross (even when no traffic is approaching). As soon as the signal changes and tells you to wait or stop crossing, you must swiftly make your way to the other side of the road or to a safety island.
  • If you must walk on a Texas highway, you must always yield the right-of-way to motorists.

Pedestrians always have the right-of-way in these situations:

  • When a motorist is entering or about to cross a road from an alley, building, private road, or driveway, approaching pedestrians have the right-of-way.
  • Pedestrians following pedestrian signals in crosswalks always have the right-of-way.
  • Pedestrians crossing the street at a marked or unmarked crosswalk have the right-of-way if they are approaching or on your half of the road.

What Happens If I Am Injured in a Pedestrian Accident?

The law recognizes that we all make mistakes, but we must also all take responsibility for the consequences of those mistakes. This premise is the foundation of personal injury law. Generally, this responsibility involves monetary compensation for the damages inflicted. When an accident involves a pedestrian, the damages are often considerable.

If you are involved in a pedestrian accident, either as a motorist or a pedestrian, your best course of action is to contact a personal injury attorney right away. He or she will fight for your rights, help you make a full recovery, and protect your financial interests.

Electric Scooter Accidents

In some ways, electric scooters combine the safety disadvantages of being on foot (because scooter riders have no more means of bodily protection than pedestrians do) with the disadvantages of being on a bike (because scooter riders often move in and with traffic). If you opt for scooter travel, proceed with caution. If you are injured in a scooter accident, contact a Killeen personal injury attorney as soon as possible.

What Are the Benefits of Electric Scooters?

Electric scooters do have much to recommend them, including:

  • They are environmentally friendly.
  • They are relatively inexpensive to rent.
  • They are extremely convenient to use.
  • They have a carefree feel that is reminiscent of childhood.
  • They are a relatively speedy way to get around the city.

People are taking to scooters in droves for all of these reasons and more.

What Are the Most Common Electric Scooter Accident Injuries?

Electric scooters can travel at about 15 miles per hour. Although this speed may not seem especially dangerous, if you are thrown from a scooter at 15 mph, you are likely to face significant injuries. Common scooter accident injuries include:

How Can I Stay Safe on Electric Scooters?

There are a variety of safety recommendations that can keep you safe when you’re riding an electric scooter:

  • Wear a helmet to protect yourself from head injuries.
  • Do not ride in tandem, which increases distractions and makes it difficult to balance.
  • If you are wearing heels, switch into flats.

What Should I Do If I Get in an Accident?

If you have been injured in a car accident caused by another driver’s negligence, you are in no condition to take on the insurance company and fight for compensation. Further, every car accident claim is unique, making it extremely difficult to know what to do and when to do it. Fortunately, a few universal basics can help you strengthen your car accident claim.

The early steps that you take after being injured in a car accident that was caused by someone else’s negligence set the stage for your personal injury claim, help your Texas personal injury attorney protect your case, and protect your best interests.

What Do I Need to Do at the Scene of the Accident?

Every time a motorist gets behind the wheel, they are responsible for driving safely, which includes pulling over after being involved in an accident. If you are involved in a car accident, help ensure that everyone remains as safe as possible by engaging in the following steps.

Remain Calm  

After an accident, it is important to remain calm and assess the situation before springing into action. If you allow your anger, your frustration, or the immense stress you are dealing with to get the better of you, it could come back to haunt your case later.

Further, by remaining calm, you are more capable of collecting your thoughts, jotting down everything that led to and contributed to the accident, and preserving evidence related to your claim.

Remove Yourself from Harm’s Way  

If you are in an accident, pull your vehicle as far out of the way of oncoming traffic as possible (to avoid a secondary collision). After pulling over, make sure all passengers exit the car safely and get them as far out of harm's way as you possibly can.

If you are seriously injured, remain in your vehicle if it is safe. If you see smoke, fire, or sparks or if you smell gasoline, move away from your car.

Turn your flashers on and leave your vehicle. If you have any means of alerting oncoming traffic to the upcoming accident scene – such as flares or warning triangles – use them.

Call 911 or Contact the Police  

Assess yourself and everyone else involved to determine if emergency medical care is necessary. If so, call 911 and provide what aid you can until emergency help arrives. If there are no serious injuries, contact the police to report the accident.

In Texas, you must report to the police any car accident that causes physical injury or more than $1,000 in damages. It does not take much vehicle damage to amount to $1,000, so this rule pertains to nearly every accident except the mildest fender benders.

Even if you do not think the accident was very serious, you should call the police to generate an accident report, which can be important to your claim.

Provide Aid to Any Injured Parties  

Assess whether anyone at the scene is seriously injured and, if so, provide aid to the best of your ability until emergency assistance arrives.

UnderTexas’ Good Samaritan Law, you are not liable for civil damages related to good faith efforts to administer emergency care.

Exchange Information with the Other Driver 

If you are involved in a car accident, the State of Texas requires you to exchange the following information with the other motorist involved:

  • Your name and contact information, including your address
  • Your driver’s license number
  • Information about your vehicle, including its license plate number, make, model, year, color, registration number, and vehicle identification number (VIN), which is usually found on the car’s dash or the inside of the driver’s door
  • Insurance information, including your provider and policy number

Do not discuss the accident with the other driver, and do not apologize for the accident. Anything you say can come back to haunt your case later, so keep your interaction brief.

Talk to the Police 

Answer any questions put to you by the police as truthfully and succinctly as possible. Otherwise, refrain from speaking about the accident to safeguard your claim.

Should I Pay the Traffic Ticket Related to My Car Accident?

If an officer writes you a ticket, paying that ticket is an admission of guilt. While you are legally required to pay the ticket, it amounts to accepting guilt for whatever charges are forwarded. The negative effects of such a ticket can be considerable:

  • Expensive related fines
  • Points on your license (which can lead to suspension)
  • Negative social and employment consequences

Accepting guilt for something you did not do is not in your best interest. If your car accident brought about a ticket, address it with your experienced Texas personal injury attorney

Gather Evidence at the Scene 

Consider gathering evidence at the scene, which can prove invaluable to your claim (after all, that evidence is swept away and forgotten in the aftermath of the accident). If you are not able to gather evidence yourself, ask a passenger or a bystander to do so for you.

Consider the following means of collecting evidence after an accident:

  • Snap photos of the scene of the accident.
  • Record eyewitness testimony and contact information.
  • Jot down your recollections about how the accident happened.
  • Road construction, debris, or subpar road maintenance
  • Any fog, rain, ice, snow, signage, or low-hanging branches that affected visibility
  • The effects of inclement weather on the road

What Do I Need to Do After an Accident?

If you have been injured in a car accident caused by someone else’s negligence, take these steps after leaving the scene of the accident to protect your health and your car accident claim

 

Seek Medical Attention  

Even if the accident that leaves you injured is relatively minor and you do not think you were seriously injured, it is in the best interest of your health and your car accident claim to get checked out by a medical professional.

Even a seemingly minor car crash can lead to serious injuries that you may not recognize if the adrenaline and shock you experience during an accident mask pain and other symptoms.

Further, some serious injuries do not present with symptoms until they worsen and become difficult to treat. Consider these examples of common “silent injuries”:

  • A headache after a car accident can be a symptom of a traumatic brain injury (TBI)
  • Whiplash is often slow to present and can lead to chronic pain and mobility loss.
  • Back pain that worsens over time can indicate a soft tissue or spinal cord injury
  • Internal bleeding can be slow to present. Abdominal pain and swelling are early signs.

Early diagnosis can make a significant difference in regaining your health and well-being. If you are offered medical assistance at the scene of the accident, take it. If you are not, get in to see your doctor as quickly as possible.

There are multiple benefits to seeking medical treatment immediately after a car accident:

  • You can eliminate any uncertainty about your injuries.
  • You can receive medical treatment sooner. Early diagnosis is closely associated with improved prognosis.
  • You can bolster your personal injury claim by demonstrating that you took the accident and your attendant injuries seriously from the outset.

Seeking the medical care you need and following your doctor’s instructions demonstrates that you take your injuries seriously – which the insurance company should also do. If you don’t take your injuries seriously, the insurance company will happily follow your lead.

Work with a Personal Injury Attorney  

The first step you should take after obtaining medical attention is to contact a dedicated car accident attorney. Getting the compensation you deserve is far too important to leave to chance, and your car accident claim is likely to be as complicated as the car accident was dangerous. Your experienced car accident attorney will skillfully negotiate with the insurance company for compensation that covers your physical, financial, and emotional damages in their entirety.

In this pursuit, your personal injury lawyer will take several actions on your behalf:

  • Gather all the relevant evidence to build your strongest claim
  • Negotiate with insurance for a settlement that fairly addresses your damages
  • Prepare for trial if the insurance company refuses to negotiate in good faith
  • Help you make the right decisions for you throughout the claims process

One of the best ways to ensure that you can afford the care you need to reach your fullest recovery is by obtaining the compensation to which you are entitled. The surest way to accomplish this is with a dedicated accident attorney

Limit Your Statements About the Accident  

The insurance company is looking for a way to discredit your claim, often by twisting your comments on the accident. The less you say about the accident (including on social media), the better. It is best to leave the talking to your Central Texas personal injury attorney

Keep an Accident Journal  

An accident journal can prove invaluable to your case. Consider recording these kinds of information in your journal:

  • Your recollections about the accident
  • How your injuries are affecting you, including pain, trouble sleeping, sleeping too much, missing out on events with friends and family, and feelings of depression or anxiety
  • All medical records, bills, and receipts
  • Estimates regarding damage to your vehicle
  • Evidence from the scene of the accident
  • The name of the officers on the scene and your case number
  • The other driver’s contact and insurance information

What Should I Do If the Other Driver Does Not Want to File an Insurance Claim?

If another driver’s negligence has caused you to be injured, you have rights. Ask the other driver for his or her insurance information, and if he or she refuses, you can alert the attending officer of the issue. The other driver is obligated to provide relevant insurance information, and he or she cannot stop you from contacting the insurance company.

Why Would Someone Avoid Involving Insurance After an Accident?

It is not uncommon for an at-fault driver to want to avoid calling the police after an accident. Such a driver could be motivated by any one of these factors:

  • The driver wants to avoid being ticketed
  • The driver wants to avoid going through his or her insurance company
  • The driver has had several accidents and does not want increased premiums
  • The driver is impaired
  • The driver does not have a valid license or insurance

Such a driver will often offer cash or offer to pay for the damages himself or herself and ask to exchange contact information instead of alerting the authorities. Do not trust this driver to follow through with this offer. 

Even if they do follow through, the compensation is unlikely to cover the full range of your damages. It is often difficult to know the extent of the property damage to your car and your physical injuries immediately after an accident. The impact of a crash can cause structural damage to your vehicle that may not be readily apparent, and physical injuries often blossom over time. If the other driver does not want to exchange information, your best option is to call the police and allow them to settle the matter.

What Do the Police Do About Uninsured Drivers?

After being in an accident caused by an uninsured driver (or a driver who appears to be uninsured), wait until the police arrive. A police officer will take the following actions:

  • Ticket the uninsured driver
  • Fine the uninsured driver
  • Suspend the uninsured driver’s license until he or she obtains the necessary insurance

The police will also write up an accident report that will be important to your insurance claim. It’s important to involve the police because an at-fault driver is far more likely to speak the truth to an officer at the scene than he or she will be later.

When Am I Required to Report an Accident?

In the State of Texas, you are required to report a car accident in these situations:

  • If the accident causes anyone to be injured or killed
  • If the accident causes more than $1,000 in property damage (if there is any body damage to either vehicle, it will almost certainly reach this minimum)
  • If the accident involves someone breaking the law, such as not having car insurance

If the at-fault driver admits that he or she does not have car insurance or refuses to show you proof of insurance, you should call 911 immediately and report the situation.

How Do I File a Car Accident Claim If the Other Driver Doesn’t Carry Insurance?

If the other driver does not have car insurance, you obviously cannot file your claim with his or her insurance company. In such a situation, you will file what is known as a first-party claim with your own insurance company. You will go through your own insurance policy to be compensated for the damages you have suffered due to someone else’s negligence. 

This claim will go through your uninsured or underinsured driver policy. This coverage is not required, but most quality insurance policies include this coverage. If you do not carry uninsured driver insurance, your only option may be to bring a personal injury lawsuit against the at-fault driver. Your skilled personal injury attorney can help you decide how to proceed.

How Can I Protect My Health After a Car Accident?

When it comes to car accidents, no accident – other than a light tap – should be considered minor. Even what most of us think of as fender benders can lead to severe injuries, including chronic whiplash pain and other long-term injuries. 

If you were involved in a car accident, it is in your best interest to seek professional medical attention and to retain an experienced Killeen personal injury lawyer as soon as possible. Early diagnosis and intervention are closely associated with improved prognosis, and you should do everything you can to protect your health and well-being.

What Are the Most Common Car Accident Injuries?

Every car accident is unique, but there are several injuries that are common after being involved in an accident. Understanding these injuries can help you seek appropriate compensation.

 

Back Injuries  

One of the most common categories of injury associated with car accidents is back injuries, which are painful and can lead to ongoing health problems and chronic pain. The Mayo Clinic

Back injuries can be slow to present with symptoms, which means that some victims fail to receive the medical care they need when they need it. If another driver’s negligence leaves you with a back injury, do not wait to consult with an experienced Killeen car accident attorney

What are common symptoms of a back injury?

  • Generalized pain
  • Stiff or aching muscles
  • A tingling or numbing sensation in the hands, arms, feet, or legs
  • Difficulty standing and/or walking
  • Muscle cramps or spasms
  • Pain that radiates down through the buttocks and into the legs
  • Pain that worsens with bending, lifting, twisting, walking, or standing

When should I see a doctor?

If any of these symptoms apply to you, it is time to consult with a doctor. Because early diagnosis is closely associated with improved prognosis, seeking medical attention earlier rather than later is always best for your health and well-being.

Spinal Cord Injuries  

Spinal cord injuries are typically caused by a jolt or impact to the neck, back, or shoulders, causing damage to the spinal cord or the nerves at the bottom of the cord. A serious spinal cord injury can profoundly affect your life, including having significant mental, social, and emotional consequences. If the spinal cord is severed or seriously damaged, there can be serious physical consequences:

  • Partial or complete paralysis
  • Altered or lost sensations, including sense of touch or temperature
  • Intense stinging or pain at the site of the injury
  • Exaggerated reflexes, including spasms
  • Alterations to sexual sensitivity, sexual function, and fertility
  • Loss of bladder or bowel control
  • Breathing difficulties, including difficulty clearing secretions from the lungs

What is a herniated disc?

The discs – or rubbery cushions – that rest between each of the vertebrae that make up your spine can bulge, push, or leak out, causing a herniated disc. A herniated disc can damage the spine’s functioning and irritate neighboring nerves, causing pain that radiates out from the source.

The impact of a car accident can leave one or more discs herniated, causing immense pain and a significant decrease in range of motion.

Soft Tissue Injuries  

Soft tissue injuries, also known as sprains, strains, and tears, are injuries in the tendons, muscles, and ligaments. They can be especially painful and slow to heal when they occur in the back.

What are signs of a soft tissue injury in the back?

  • Severe back pain
  • Stiffness in the back
  • Tenderness in the area of the injury
  • Spasms in the affected muscles of the back

What is whiplash?

Whiplash is a soft tissue injury caused by the neck being shaken back and forth like a whip. The resulting pain can affect the neck, shoulders, and back. Whiplash injuries are often associated with rear-end accidents, but nearly any kind of car crash can get the job done. Whiplash can be slow to show symptoms, and whiplash often goes untreated until the injury morphs into a more serious problem. These signs tend to support a whiplash diagnosis:

Whiplash can be slow to show symptoms, and whiplash often goes untreated until the injury morphs into a more serious problem.

What are signs of whiplash?

  • Headaches that begin at the base of your neck
  • Decrease in neck’s range of motion
  • A stiff, painful neck
  • Pain that increases with movement of the neck
  • Pain or tenderness in the upper back, arms, or shoulders
  • Numbness or tingling in the arms
  • Dizziness or fatigue
  • A ringing in the ears
  • Blurred vision
  • Difficulty focusing
  • Increased irritability
  • Bouts of depression or anxiety
  • Memory challenges
  • Sleep disturbances

Whiplash can be especially bedeviling because the symptoms can be intermittent. Further, whiplash can lead to chronic pain and a decreased range of motion that can be debilitating.

Broken Bones and Fractured Bones  

The impact of an accident can leave you with broken bones, which are exceptionally painful injuries that are slow to heal, can lead to chronic pain, and affect range of motion. If the break is serious, it will likely require surgery and will be subject to additional complications. Broken or chipped bones are common in accidents, and these injuries can slow down your recovery process considerably. A break that fails to heal correctly can lead to a significant loss in your range of motion and can even be physically debilitating.

Bruising, Cuts, Burns, and Abrasions  

Accidents can cause victims to come in contact with blazing hot metal, sharp edges, and rough concrete – all of which can lead to dangerous and infection-prone cuts, burns, and scrapes. These injuries are slow to heal and are highly susceptible to secondary health issues. When they are on or near the face, they can be disfiguring. When they are deep or cover a large area, the recovery period is certain to be complicated and protracted.

Traumatic Brain Injuries  

Traumatic brain injuries– often called TBIs – are generally caused by a blow to the head or the severe shaking of the head, and the results are dangerous and unpredictable. TBIs (which include concussions) often lead to the following emotional and psychological symptoms:

  • Severe mood swings
  • Emotional lability, such as crying jags
  • Increased anxiety or anxiety attacks
  • Depressive episodes
  • Self-isolation or detachment from loved ones
  • Difficulty concentrating
  • Sleep disturbances, nightmares, or night terrors
  • Loss of consciousness
  • Nausea or dizziness
  • Confusion or amnesia

What is the emotional impact of a serious TBI?

Some victims of serious TBIs compare the effects to an altered sense of self that makes recovery seem out of reach. However, a compassionate personal injury attorney will help ensure that you are financially compensated for your losses.

Lower-Leg and Femur Injuries  

The impact of a head-on accident can force vehicle occupants into instrument panels and knee bolsters, which frequently cause significant injuries to the lower extremities – even when victims have their seatbelts secured.

Lower leg injuries are also likely to cause damage to joints, which can be painful to endure and complicated to repair.

Torso Injuries  

An accident involving two vehicles colliding head-on often leads to rib fractures that are closely associated with organ damage. These internal injuries can be especially dangerous because they are often asymptomatic and go undiagnosed until they have morphed into something that is more dangerous and difficult to treat.

Emotional Injuries  

The emotional consequences of being injured in a violent car accident should never be discounted. Many victims suffer these PTSD-like symptoms:

  • Increased anxiety
  • Symptoms of depression
  • Mood swings
  • An abrupt change in personality

How Can I Protect My Claim when Receiving Medical Care?

If you end up in the emergency room after being injured in a car accident, there are important considerations that you should take into account:

Signing Documents

In the process of obtaining the necessary treatment in the ER, you are going to be presented with many forms to sign. Pay attention to what you are signing, and make sure that you provide the hospital with your health insurance information so that your insurance provider will be billed.

Accident Description

Inevitably, you will have to explain the accident to a medical professional. Respond truthfully, but be concise and stick to the stark facts. What you say now can affect your claim, and you do not want an overly elaborate story to come back and haunt you. Your savvy personal injury attorney will coach you on what to say and what not to say.

Description of Your Injuries

Be thorough when describing your injuries to the attending doctor. Point out any area where you feel pain, discomfort, or even something that is simply “off.” Injuries can intensify over time, and it is important to remember that early diagnosis is closely associated with improved prognosis.

What Questions Should I Ask My Doctor After a Car Accident?

When you speak with a medical professional, consider asking these questions to understand your injuries and their impact on your personal injury case better:

Can You Explain My Injuries in Layman’s Terms?  

Ask your doctor to explain your injuries in terms that you can understand. Understanding the injuries you have sustained can help you prepare to deal with them, ensure that you reach your fullest recovery, and help you obtain the compensation necessary to heal.

How Will My Injuries Affect My Life?  

Once you understand what your injuries entail, it is important to understand how they will likely affect your life. The following questions can help you get a better picture:

  • Are there any activities I need to avoid, and for how long?
  • Is there anything I can do to aid the recovery process?
  • How long will my recovery likely take?

Having access to this information will allow you to take better care of yourself and will guide your personal injury case, which is predicated on the losses you have suffered.

Were My Injuries Caused by the Accident?  

To recover on the injuries you have suffered, you must establish that they were actually caused by the accident. If your doctor can pinpoint the cause, it will support your case with professional testimony.

When Can I Return to Work?  

If you are injured in a car accident, you will probably miss some work. If you are off the job for extensive time, it can cost you in lost wages. If your injuries are serious, it can alter the trajectory of your career and diminish your earning potential. Your doctor's take on how long you should wait before returning to work is important evidence supporting your calculated losses.

Do You Predict Any Future Health Concerns?  

Some injuries heal better than others. Ask your doctor how your injuries are expected to heal over time and whether you should be on the lookout for related health concerns. An injury sustained in a car accident is not a static event, and certain kinds of injuries can lead to ongoing or chronic health issues. This information is important for your health and your case.

What Should I Do After Being Discharged from the ER for a Car Accident?

Just because you have been released from the emergency room does not mean that you are without injury. The ER treats emergencies, and car accidents can lead to injuries that blossom over time and do not necessarily appear on initial x-rays. If the emergency room gives you follow-up instructions, follow them carefully. If they do not, follow up with your regular medical doctor. It is always better to be safe than sorry.

What Are the Elements of My Personal Injury Claim?

Every personal injury claim is unique, and understanding the elements that will shape your claim(and working closely with a Texas personal injury attorney) will help you obtain the compensation you need to recover.

What Is Fault in a Car Accident Claim?

Texas is an at-fault state. If you are injured by another driver’s negligence in Texas, you will file your claim with the at-fault driver’s insurance company directly. Your own insurance will not play a role in the compensation process unless the at-fault driver is uninsured or underinsured.

How Is Fault Determined in Car Accident Claims?

Car accidents are often the result of fault on the part of one of the motorists involved. If you were driving safely and adhering to all the rules of the road, your accident was likely caused by negligence on the part of the other driver. If you want to bring a successful claim, specific legal elements must be present in your case. 

Duty of Care

To begin, the other driver must have owed you a duty of care. Every motorist owes everyone else on the road a duty of care that includes following the rules, regulations, and restrictions that apply to a driving situation. Drivers must drive distraction-free, yield the right-of-way as required, and proceed with caution generally.

Duty Breached

The next element of your claim is that the at-fault driver must have breached the duty of care owed to you. If he or she engaged in any of the following risky driving behaviors, the driver breached the duty of care owed to you:

  • Driving faster than the posted speed limit or too fast for the road’s condition
  • Failing to adhere to posted traffic lights, signs, or signals
  • Failing to yield the right-of-way
  • Becoming distracted by anything other than driving safely
  • Engaging in aggressive driving practices

For example, if a speeding motorist whose nose was in his or her phone slammed into you at a stop sign, it is fairly clear that the duty of care owed to you was breached.

Direct Cause

The at-fault driver’s negligence must have been the direct cause of the injury-causing accident. If a distracted driver slammed into you while you were stopped at a stop sign, the distracted driver’s negligence directly caused the ensuing accident.

Legal Damages

The accident must have caused you to suffer legal damages (or losses) that you can address in a car accident claim. Legal damages break down into losses in these categories:

What If I Share Fault for the Accident?

In the State of Texas, you are not barred from seeking compensation in a car accident claim unless you are deemed more than 50 percent responsible for the accident that leaves you injured. If you do share fault, your compensation will be reduced by the percentage of fault that is assigned to you by the court.

Your dedicated Texas car accident attorney will help determine who is at fault in your accident and what form that fault took.

How Can I Prove Fault in a Car Accident Personal Injury Case?

When it comes to determining fault in a Texas car accident, the following forms of evidence can help your case:

  • Evidence collected at the scene of the accident
  • Statements from eyewitnesses
  • Medical records

Evidence has a way of disappearing, so the sooner you contact an experienced Central Texas personal injury lawyer, the better. He or she will help collect additional evidence for your case.

What Are Damages in a Car Accident Claim?

The value of your car accident claim relates directly to the degree of your damages. The more serious your injuries, the more difficult your recovery is likely to be, and your compensation should reflect this fact.

While there is no way to put an exact value on your claim, a better understanding of the damages you can seek can provide you with a clearer idea of what your accident claim is worth.

Ensuring that your car accident claim carefully addresses your full range of damages– in their entirety – is very likely a critical component of your recovery and is best left in the skilled hands of your dedicated car accident attorney. Your seasoned Killeen personal injury attorney has the insight to ensure that all your legal damages, including pain and suffering, are well represented.

What Kinds of Damages Can I Claim in My Car Accident Case?

In your car accident claim, you can seek compensation for both economic and non-economic damages. Your economic damages are those losses that come with a clear price tag – you pay a specific price to address the matter. Non-economic damages related to losses you suffer that don’t have a clear price tag.

Identifying your legal damages (also called losses) is a key element of your car accident claim. There are several main categories of loss to consider.

Your Property Damage

The damage to your car and its contents has a verifiable price attached. You should be compensated for your losses in this category.

Your Medical Bills

You will have medical costs related to your care in the immediate aftermath of the car accident and any ongoing care related to your car accident. The following medical expenses commonly apply to injuries arising from car accidents:

  • Emergency medical care at the accident and transportation to a medical facility
  • Surgery and follow-up care
  • Hospital stays and services
  • Medical tests, procedures, and treatments
  • Care from doctors and medical specialists
  • Physical therapy and occupational therapy
  • Pain management
  • Rehabilitation
  • Adaptive physical devices and home modifications
  • Home health care
  • Prescription medications

Your healthcare costs should be well represented in your car accident claim to ensure your best opportunity to recover fully.

Your Lost Wages

If you have been injured because of another driver’s negligence, it can mean lost hours on the job, which translates to lost income. The matter becomes more serious if your ability to do your job, your ability to advance your career, or your earning potential are negatively affected.

Losses of this nature can also lead to emotional pain and suffering based on how closely we associate our identities with our careers.

Your Physical and Emotional Pain and Suffering

Pain and sufferingrefers to the physical and emotional pain and suffering you endure as a result of being harmed by someone else’s negligence. Pain and suffering can include these losses:

  • The physical pain of your injuries
  • The psychic pain of coping with the violent accident
  • The mental anguish associated with the difficult path forward toward healing
  • The emotional injuries you sustain
  • Low mood or mood swings
  • Increased anxiety or anxiety attacks
  • Terrifying accident flashbacks
  • A tendency to self-isolate and push one’s support system away
  • Difficulty concentrating or processing information
  • Sleep disturbances, nightmares, and night terrors
  • Fear of getting back behind the wheel
  • Loss of appetite
  • A general decrease in engagement and/or enjoyment of life
  • Increased irritability

The physical and emotional pain and suffering you endure as a result of another driver’s negligence can be immense – even though it is more difficult to equate with a price tag. Effectively addressing your pain and suffering is critical to your overall recovery, and your compassionate Texas personal injury attorney will help protect your pain and suffering claim.

One of the harshest emotional effects of a serious car accident is that these symptoms can build a wall between yourself and the friends, family members, and loved ones who make up your support system – just when you could use their support the most.

Does My Claim Qualify for Damages Related to Pain and Suffering?

The following kinds of factors help to determine if your claim is eligible for compensation related to pain and suffering:

  • The time it takes you to recover (the longer your recovery, the more your claim qualifies)
  • The injuries you experience and the level of pain commonly associated with them
  • Whether you sustained permanent injuries, such as a disability
  • Whether your ability to participate in daily activities has been affected
  • Whether your injuries stop you from returning to your career or activities you enjoy
  • The emotional toll the accident has on you, including stress, anxiety, fear, or depression

How Can I Prove Pain and Suffering in My Car Accident Case?

Proving your pain and suffering is more complicated than proving your lost earnings or medical bills, but it is not any less important. When you attempt to demonstrate the depth of your pain and suffering, consider using these kinds of evidence:

  • Professional notes from your doctor, therapist, and other medical professionals
  • Medical evidence from your doctor appointments, such as X-rays and medical tests
  • The expert opinion of a medical professional with experience treating injuries like yours
  • Your written recollections of how the accident happened (and your feelings and experiences at the time)
  • Notes from your diary, including memories and thoughts about your pain and suffering
  • Testimony from your support system
  • Testimony from neutral witnesses and acquaintances

A skilled personal injury attorney will help identify, collect, and present evidence for your claim.

How Are Pain and Suffering Damages Calculated?

Texas has no set method for calculating the cost of an accident victim’s pain and suffering, but the multiplier method is often used. In this method, the total value of your economic damages is multiplied by a number from 1.5 to 5 based on the severity of the accident and the degree of pain and suffering you endured.

Punitive Damages

Punitive damages are intended to punish the party at fault for your losses. Traffic accidents are generally caused by driver negligence, which means that punitive damages are rare. However, punitive damages may apply if the driver who leaves you injured acted recklessly, willfully, or without concern for your well-being.

What Is the Role of Insurance in My Personal Injury Case?

When you are involved in an accident caused by another driver, you are often left with significant losses. Fortunately, in most accident cases, the at-fault driver has insurance to compensate you for these losses.

How Does Car Insurance Work in Texas?

All motorists who own a motor vehicle in the state of Texas are required to carry liability insurance. Auto liability insurance covers the injuries and property damage that the policyholder causes to others when a car accident occurs.

The Texas Department of Insurance requires that drivers must carry at least minimum liability insurance, which includes these minimum coverage standards:

  • $30,000 body liability insurance per injured person
  • $25,000 property damage liability insurance
  • $60,000 per accident total

Bodily injury liability covers the injured party’s medical costs, lost wages, and physical and emotional pain and suffering. Property damage liability covers any damage to the other person’s car or to any other property that is involved.

You will need to show proof of minimum coverage to register your car in Texas. You must also keep proof of coverage in your vehicle in case you are ever pulled over by the police. (They will want to make sure you carry the necessary coverage.)

What Additional Car Insurance Coverage Options Are Available?

If you are injured by another driver’s negligence in Texas, his or her insurance will compensate you for your damages. There are, however, certain circumstances in which this coverage may be inadequate. For example, some motorists drive without liability insurance, and some drive with too little coverage. You may want to consider carrying additional coverage to protect yourself in case of a serious accident:

Uninsured Motorist Insurance
Uninsured motorist insurance covers you if the at-fault driver has no liability insurance.
Underinsured Motorist Coverage
Even if the at-fault driver’s insurance policy meets the minimum requirements, it may not fully compensate you for the damages you have suffered. A serious accident can quickly outpace $30,000 in damages, the legal minimum for coverage. Underinsured motorist coverage kicks in once the other driver’s maximum coverage is met.
Collision Coverage
If your car is damaged in an accident, collision coverage is no-fault coverage that applies to your repair bills.
Comprehensive Coverage
Comprehensive coverage is also no-fault insurance, and it is intended to reimburse you for vehicle repairs related to something other than a car accident, such as a hail storm.
Med Pay Coverage
Med pay coverage is no-fault coverage that addresses medical payments only. Med pay coverage payments are earmarked strictly for medical expenses associated with the accident, and there tend to be strict financial caps in place. The amount you receive in med pay coverage will ultimately be subtracted from your final settlement or court-awarded amount.

How Does the Car Accident Insurance Claims Process Work?

The claims process is challenging, so victims are advised to hire a skilled attorney to deal with insurance companies, handle legal aspects of the claim, and ensure maximum recovery.

Consider the Statute of Limitations  

The statute of limitations for a Texas car accident is two years. If you fail to file your case within two years, you will likely lose the right to be compensated for your damages. The earlier you file your car accident claim, the better prepared you will be to address whatever comes your way.

Notify the Insurance Company  

If you were involved in a car accident, you would need to call the insurance company and report the crash within a reasonable amount of time, preferably 24 hours. Usually, insurance companies require policyholders to report a car accident within 24 or 72 hours of the crash, which is why you might want to review the requirements in your insurance policy.

Gather Evidence for the Car Accident Claim   

Once you report the accident, you need to start preparing documentation to file an insurance claim. You need to gather as much evidence and supporting documentation as you can to build a strong personal injury case. Essential pieces of evidence for a personal injury claim include but are not limited to these kinds of documentation:

  • Your medical records related to the injury
  • A copy of the police report
  • Photos from the scene of the car crash
  • Documentation related to the property damage and vehicle repair costs
  • Your medical bills and receipts related to the treatment and surgery
  • Your journal detailing your pain and the effect of the accident on your life
  • Statements proving your lost income

It can be difficult to gather some of these pieces of evidence while undergoing medical treatment. For this reason, consider contacting our car accident attorney at the Law Office of Brett H. Pritchard to collect the necessary evidence and handle the claims process on your behalf while you focus on getting back on your feet.

Communicate with the Insurance Adjuster   

Once you are done gathering evidence to support your personal injury claim, it is time to file your claim with the insurance company. When the insurance company receives your claim, it will assign an insurance adjuster to your case. The adjuster will contact you to discuss your claim and ask about the accident and your resulting injuries.

When communicating with the adjuster, follow these tips to protect your right to fair compensation:

  • Stay calm and be polite.
  • Refuse to give a recorded statement.
  • Do not volunteer information the adjuster does not ask for.
  • Keep your comments brief and stick to the facts of the accident.
  • Do not say that you are “okay” or “fine.”
  • Describe your injuries in general terms and refer to your medical records.
  • Do not apologize, say that you are sorry, or assume guilt.

Dealing with insurance companies after a car accident can be an overwhelming process, and insurance adjusters will try to convince you that they are your friends. However, claims adjusters or other insurance representatives are not your friends. Remember that they work for the insurance company and their ultimate goal is to pay you nothing or as little as possible.

To protect your claim, contact a knowledgeable attorney to communicate with the adjuster on your behalf and ensure that you receive fair compensation for your losses and damages.

Prepare and Submit a Demand Letter   

A demand letter requests that the insurance company give the victim full compensation for injuries and losses. It’s wise to work with an experienced attorney on your demand letter to ensure that you receive an adequate settlement amount.

In some cases, it may be best to wait to prepare and submit a demand letter until the injured victim reaches their maximum medical improvement, or the point in the treatment where further improvement and healing are no longer possible.

Negotiate a Settlement with the Insurance Company   

Once you submit your demand letter to the insurance company, the insurer may accept your demand and move forward with the settlement offer. If the insurer does not agree with the amount, it will make a counteroffer.

You should not feel pressured to accept the insurance company’s counteroffer or initial settlement offer. Instead, speak with your attorney to determine a fair settlement amount. Your lawyer will then negotiate a settlement with the insurance company on your behalf.

Take these steps when negotiating with an insurance company after a car accident:

Once you and the insurance company reach a settlement agreement and sign it, there is no going back, so think twice before settling your claim.


 What Tactics Will Insurance Companies Use to Lower My Compensation?

You will look to the at-fault driver’s car insurance company to cover your car accident claim, and it will do what it can to settle with you for as little as possible. The car insurance company is in the business of generating profits, and as such, it may implement industry tactics designed to keep profits high and settlements low.

Do not let these antics discourage you or persuade you to accept less than the amount to which you are entitled. If the insurance company refuses to negotiate fairly, the law will ultimately determine the compensation you will receive. Your knowledgeable personal injury attorney will skillfully advocate for your legal rights and rightful compensation throughout this process.

Settling Your Car Accident Claim Early   

If you accept a settlement offer from the insurance company without consulting with an accident attorney who knows your case, there’s a good chance your losses won’t be fully covered.

A speedy settlement offer likely means that the insurance company wants to settle your claim before you realize how extensive your physical, financial, and emotional damages are.

Without adequate compensation, you can face challenges in reaching your most complete recovery, so don’t accept a settlement offer until you have discussed the matter carefully with your skilled car accident attorney.

Complicating the Claims Process   

If the insurance company chooses to complicate and protract the already challenging claims process, it can leave you in a very difficult position. By making the process more laborious and confusing, the insurance company is hoping that you will accept a lower settlement amount out of sheer frustration and desperation. Moving beyond the insurance company’s red tape can feel like such a relief that it is worth accepting less than you are owed.

There are laws against artificially lengthening the insurance process, and your knowledgeable car accident attorney knows how to hold the insurance company responsible for such actions.

Shifting Fault onto You   

The insurance company may attempt to shift the fault for your accident on the injured party and away from its policyholder. While having this blame foisted upon you can be discouraging, you should not lose hope. Ultimately, the facts of the case and the available evidence – not the insurance company’s protestations – will determine fault in the matter.

Even if you do share fault in the matter, the State of Texas does not bar you from seeking the percentage of your damages that the other driver is responsible for (as long as he or she is at least 50 percent to blame).

Outright Denial of Your Claim   

The insurance company may deny your claim outright, preying on your vulnerability and hoping that you will give up. However, the insurance company does not have the final say in the matter. If the insurance company refuses to negotiate in good faith, you can turn to the law for legal remedy by filing a lawsuit. Your dedicated accident attorney will help you find the best path.

Asking You to Sign a Medical Release Form   

The insurance company will likely want you to sign a release of your medical records, but you are well-advised to hit pause and consult with a car accident attorney prior to doing so. While the insurance company will probably need access to medical records related to your accident, they should not have free access to all of your medical records.

Insurance companies ask for all medical records to look for these ways to minimize your claim:

  • Downplaying the seriousness of your injuries
  • Attempting to demonstrate that your injuries are related to a pre-existing condition
  • Questioning why you did not see a doctor sooner
  • Placing fault on you based on a pre-existing condition, such as poor vision or anxiety

Your dedicated car accident attorney will ensure that the insurance company receives only the medical information it needs and that it has no access to other medical information.

Casting Doubt on Your Described Losses   

The insurance company may dispute the severity of your pain and suffering or deny that your injuries were caused by the accident. However, just because the insurance company claims something does not make it so. If the insurance company refuses to address your traffic accident claim fairly, the law will have the final say in the matter.

By taking your medical care seriously, limiting your social media presence, and allowing your attorney to negotiate on your behalf, you will protect your claim and the damages you suffered.

Asking for a Recorded Statement   

The insurance company will ask you for a recorded statement, which can be used against you in the settlement process. The adjuster may even make it sound like you are obligated to give a recorded statement or that your claim cannot move forward without recording your conversation. However, you are not required to provide a statement, and not doing so is in the best interest of your claim. The less you say about the accident, the better off you will be.

If the adjuster asks you to provide a recorded statement, politely decline the request. Provide the adjuster with the facts, including your name, address, telephone number, and where and when the accident occurred. Let the adjuster know that you will provide more information when you have an experienced Central Texas personal injury attorney to speak on your behalf.

Constant Calling   

When you take the claims adjuster’s first call, let him or her know that you are willing to speak only briefly and that he or she can have any further discussions with your personal injury attorney, who will speak on your behalf. Many adjusters will continue to call until they get you to say something that can be used to minimize the settlement offer.


 Will Insurance Cover the Cost of a Rental Car?

If another driver has left you injured, that driver’s insurance company should cover your rental car while you wait for your damaged car to be repaired. The coverage should usually allow a rental that is comparable to the vehicle you were driving in the accident. 

This coverage should extend to the point when your car is ready to be returned to you or until it is totaled and you are able to purchase another car with your settlement. Any time you keep the car beyond these coverage guidelines will be on your dime. 

If the insurance company is balking on your claim, you will need to pay for the rental car outright (after checking that your own car insurance will not cover the cost up-front) and pursue reimbursement from the at-fault driver's coverage after the fact.

Is Your Texas Car Accident Settlement Taxable?

Generally, the damages you receive for your physical injuries, medical bills, and lost wages are not taxable as long as you did not already receive a tax advantage for your settlement in a prior year. However, personal injury damages awarded under specific categories may be taxable:

Appropriately structuring your car accident settlement can minimize your tax burden.

Can I File an Insurance Claim If I Wasn’t Wearing a Seat Belt During My Car Accident?

Texas law states that when drivers choose to disobey the law and not wear a seat belt, they are engaging in conduct that is injury-causing (rather than accident-causing), and they are at least partially responsible for any injuries sustained. If another driver’s negligence leaves you injured in an accident in which you were not wearing a seat belt, you need the professional legal counsel of a skilled Central Texas personal injury lawyer.

How Do Pre-Existing Conditions Affect Personal Injury Claims?

Having a pre-existing condition or injury does not preclude you from seeking compensation for the damages you suffer as a result of the other driver’s negligence in any of these situations:

  • If your pre-existing injury or condition has healed or abated, it shouldn’t play a role in your car accident claim or should only play a minimal role.
  • If your pre-existing injury or condition is still active but was exacerbated by the car accident, the effects will need to be determined and addressed.
  • If your pre-existing injury or condition is still active, but the car accident caused you to suffer an additional injury that may be worse because of the pre-existing condition, these effects will need to be assessed.

The car insurance company would like to establish that you have a pre-existing condition that stands alone from any injuries caused by the car accident and that is the real source of your problems, but a savvy car accident attorney can help you address this ploy.

How Do I File a Personal Injury Claim If I Was Injured as a Passenger?

As a passenger, you typically have no bearing on the issue of liability in the event of an accident. There are, however, activities a passenger can engage in that alter this presumption:

  • A passenger who dangerously distracts the driver
  • A passenger whose refusal to wear a seatbelt causes or exacerbates his or her injuries
  • A passenger who entices or encourages a driver to speed dangerously
  • A passenger who engages in negligence that contributes to or causes an accident

In the majority of cases, however, passengers’ damages are covered by the at-fault party or parties’ insurance policies.

The insurance company with which you file with will hinge directly upon the circumstances of your case. Consider the following filing options:

  • If it is a two-car accident and the other driver is either at fault or shares fault, file with the other driver’s coverage.
  • If it is a one-car accident or if your driver is at fault or shares fault in a two-car accident, file with your driver’s coverage.
  • If it is a two-car accident and both drivers share fault, file with both drivers’ coverage.

If you file through your driver’s coverage and he or she is a friend or loved one, it is essential to understand that doing so is necessary for you to reach your fullest recovery and is in no way a personal matter. Taking this approach can help you weather this delicate situation.

Can I File a Personal Injury Claim If I Was in an Accident in a Company Car?

The company vehicle is covered by your employer's commercial insurance policy. If you are injured on the job, which is the case if you were driving a company car for work at the time of your injury, your company will cover your losses through its workers’ compensation insurance – regardless of who is responsible for causing the accident in question. Workers’ comp covers your medical expenses and lost wages, but not pain and suffering.

If another driver’s negligence leaves you injured while you are in a company car, you are entitled to bring a claim for the damages you suffered with that driver’s insurance company. While this will likely include the losses covered in your workers’ compensation claim (and you may have to reimburse workers’ compensation for the settlement amount), it can also include damages for pain and suffering.

Should I Work with a Texas Car Accident Attorney?

There is no requirement that you have professional legal counsel on your side, but doing so can mean the difference between obtaining the compensation to which you are entitled and not being adequately compensated. Your accident attorney will apply his or her legal knowledge and experience to protect your legal rights and skillfully advocate for compensation that covers your physical, financial, and emotional damages in their entirety.

Can I Afford an Accident Attorney?

If you have been seriously injured and are facing mounting medical expenses and lost earnings, it is no wonder that you are concerned about the cost of hiring a car accident attorney. Fortunately, most reputable accident attorneys work on contingency. This arrangement means that your lawyer’s pay is based on your compensation. If your claim settles or receives a court award, your accident attorney will receive a prearranged percentage at that time. In other words, there is no financial risk to you.

What Is My Car Accident Attorney’s Role in My Personal Injury Claim?

Your accident attorney will take on many roles, and each of them is essential to building your strongest claim:

  • Gathering all relevant evidence in support of your claim
  • Compiling all available evidence into a strong claim that supports your legal rights
  • Engaging the expert witnesses necessary to help defend your claim
  • Negotiating with the insurance company for compensation that covers your damages
  • Preparing to go to trial if the insurance company refuses to negotiate in good faith
  • Helping you make the best choices for you throughout the legal process
  • Verifying your damages in their entirety
  • Proving the other motorist’s fault in the matter
  • Protecting your legal rights throughout
  • Helping you carefully navigate the claims process and avoid common errors
  • Helping to ensure that you have the resources to obtain the medical care you need

All told, you are far better off working closely with a dedicated Texas accident attorney.

What Should I Tell My Personal Injury Attorney?

There are certain things that you should automatically tell your experienced personal injury attorney, and knowing what they are can help your case go more smoothly:

  • Tell your attorney exactly what happened in your own words.
  • Tell your attorney if you think you might share fault in the accident.
  • Tell your attorney if you do not have insurance.

Many people think these factors make them ineligible to receive compensation, but your lawyer will examine the details of your case and can often find grounds for you to file your claim.

Will My Case Go to Court If I Hire a Personal Injury Attorney?

Just because you hire a personal injury attorney does not mean that your case will proceed to court. The vast majority of personal injury claims are settled out of court, and yours is very likely to follow suit. Your knowledgeable attorney will negotiate with the insurance company on behalf of your rights and your rightful compensation and seek to reach an agreeable settlement.

However, if the insurance company refuses to negotiate in good faith and fails to make a just settlement offer, your accident attorney may advise you to file a lawsuit against the insurance company. Even then, your case may not end up in court. When the insurance company recognizes your determination to obtain just compensation, it may become more amenable to negotiating fairly.

Schedule a Free Consultation with a Central Texas Car Accident Lawyer

Car accidents are overwhelming experiences that can change the trajectory of your life if you are not compensated fairly. Your best chance of receiving fair compensation for your legal losses is to work closely with a skilled personal injury attorney who will fight for your rights, gather evidence to strengthen your case, and negotiate with the insurance company to reach a favorable settlement.

At the Law Office of Brett H. Pritchard, our personal injury lawyers have years of experience representing clients like you and helping them reach the most optimal conclusions of their cases. Schedule a FREE consultation with one of our attorneys today to gain access to legal expertise and compassionate service that will guide your car accident claim. Call us at (254) 781-4222or contact us online to get started.