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?
What Is Defensive Driving and How Can It Help Me?
What Are the Right-of-Way Laws in Texas?
What Kinds of Accidents Could I Encounter?
What Should I Do If I Get in an Accident?
Why Would Someone Avoid Involving Insurance After an Accident?
What Are the Most Common Car Accident Injuries?
What Is Fault in a Car Accident Claim?
What Is the Role of Insurance in My Personal Injury Case?
Should I Work with a Texas Car Accident 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.
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
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
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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
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
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
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.
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 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, 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– 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.
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.
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.
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.
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.
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.
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:
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.
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:
- Determine the lowest settlement amount that you would be willing to accept.
- Emphasize the arguments that strengthen your claim.
- Do not accept a settlement offer if it does not cover your losses.
- Ask the insurance adjuster to provide a written explanation for low settlement offers.
- Do not sign anything until you consult with your attorney.
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.
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).
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.
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:
- Any interest earned on the settlement from your car accident case may be taxable.
- Your emotional damages may be taxable unless they were caused by physical injuries.
- Punitive damages 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.