Texas Car Insurance Laws: What You Need to Know After a Wreck in Houston

Car accidents can be harrowing experiences, and if you’ve recently been involved in one in Houston, understanding the intricacies of Texas car insurance laws is vital. These laws dictate how insurance works, what you must do after an accident, and its role in your life post-collision. In this guide, we’ll walk you through Texas car insurance laws and why you need a car wreck lawyer in Houston

Understanding Texas Car Insurance Laws

Liability Insurance

Liability insurance is mandatory in Texas to ensure that other parties involved in an accident are covered for damages. The minimum liability coverage required includes:

  • $30,000 for each injured person.
  • Up to $60,000 per accident for bodily injuries.
  • $25,000 for property damage.

It is crucial to ensure that both you and the other driver involved in the accident possess sufficient liability insurance to cover potential damages. This helps protect you financially and ensures that the injured parties can receive adequate compensation.

Reporting the Accident

Texas law requires you to report any car accident to law enforcement authorities if there are:

  • Injuries
  • Fatalities
  • Property damage exceeding $1,000

A police report can be invaluable when dealing with insurance claims. Having an accident report provides an authorized and documented record of the accident, which can be helpful in determining who is liable for damages.

Personal Injury Protection (PIP)

Alongside liability insurance, Texas law also mandates drivers to carry Personal Injury Protection (PIP) coverage. PIP covers medical expenses for all passengers, regardless of fault.

Steps to Take After a Car Accident

1. Ensure Safety

Ensuring the safety of all parties involved should be the first priority following a car accident. Check for injuries and call 911 if necessary. Provide assistance to injured individuals if it’s safe to do so.

2. Exchange Information

After ensuring everyone’s safety, exchange contact and insurance information with the other driver. Make sure to obtain:

  • Their full name
  • Address
  • Phone number
  • Insurance company name and policy number

3. Document the Scene

Take photographs of the accident scene. These photos will serve as valuable evidence when filing your insurance claim and can help establish fault.

4. Inform Your Insurance Company

After an accident, it is important to notify your insurance company as soon as possible. They will guide you through the claims process and provide instructions on what information they require from you.

5. Seek Legal Assistance

If the accident results in significant injuries, disputes with insurance companies, or potential legal issues, it is advisable to consult a car wreck lawyer in Houston. Seeking the counsel of a seasoned lawyer can ensure your entitlements are protected, aid in reaching an agreement with insurance providers, and provide representation in court if required.

Get in Touch with a Houston Car Wreck Lawyer

If you find yourself in need of a car wreck lawyer in Houston, Plumbar Law is a trusted choice. Their experienced attorneys have the knowledge and expertise required to navigate the complexities of your case.

Whether you’re dealing with insurance companies, facing a lawsuit, or need guidance on the best course of action, Plumbar Law can provide you with expert legal assistance, ensuring your rights and interests are protected throughout the process. Contact us today to discuss your case and learn how we can help you. 

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