When you’ve just been in a car accident, you expect your insurance company to help. After all, that’s what you’ve been paying premiums for, right? Unfortunately, insurance companies don’t always have your best interests at heart. Their goal is often to minimize payouts — not to make sure you’re fully compensated.
For drivers across Texas, knowing how to protect yourself after an accident can make a huge difference in your recovery and financial future. Here’s what you need to know.
1. Be Careful What You Say to the Insurance Adjuster
One of the first calls you’ll get after a crash is from an insurance adjuster — either from your company or the other driver’s. They may seem friendly, but remember: they’re trained to protect the company, not you.
Stick to the facts: when and where the accident happened, who was involved, and basic details. Avoid speculating about fault, apologizing, or discussing your injuries in detail. Even a simple statement like “I’m okay” could be used later to downplay your claim.
If you’re unsure what to say, you have the right to refer the adjuster to your attorney.
2. Document Everything After the Accident
Strong evidence helps protect your claim. As soon as it’s safe to do so, gather as much information as possible:
- Photos of the vehicles, damage, and scene
- Contact and insurance information for all parties
- Police report number
- Witness names and phone numbers
Also, keep all medical records and receipts related to your injuries. These documents will be crucial when proving the full impact of the accident — from medical bills to lost wages and pain and suffering.
3. Don’t Accept the First Settlement Offer
Insurance companies often offer quick settlements before you’ve had time to understand the full scope of your injuries or damages. They hope that you’ll take the money and move on — saving them from paying the true value of your claim later.
Before signing anything, talk to a personal injury attorney. A lawyer can evaluate your offer, determine what your case is really worth, and negotiate for fair compensation.
4. Understand Texas Fault Laws
Texas is a “fault” state, which means the person responsible for the accident (and their insurance company) must pay for the damages. However, if you’re found even partially at fault, your compensation could be reduced under Texas’s modified comparative negligence rule.
This is another reason why you should never admit fault at the scene — and why having legal representation is critical. An attorney can help protect your rights and make sure fault is determined accurately.
5. Get Legal Help as Soon as Possible
Insurance companies employ teams of lawyers to represent them. You should, too. The sooner you contact an experienced personal injury lawyer, the stronger your case will be. A skilled attorney can handle communication with insurers, gather evidence, and fight for the full compensation you deserve.
At KRW Lawyers, we represent injured Texans with one goal — protecting your rights and helping you rebuild your life after an accident. We are familiar with the tactics insurance companies employ, and we don’t back down from a fight.
San Antonio Car Accident Attorneys
If you’ve been injured in a car accident in Texas, don’t try to face the insurance company alone. The team at KRW Lawyers is here to stand by your side, guide you through the process, and fight for the justice you deserve. Contact KRW Lawyers today at (855) 770-4045 for a free consultation. We don’t get paid unless you win.
