Under Texas Transportation Code section 550.026, the driver of any vehicle involved in an accident must immediately ("by the quickest means of communication") report the accident to the local police department (if the accident occurred in a municipality) or to the local sheriff's office (if the crash occurred outside a municipality) if the crash resulted in:
States don't generally have laws on whether (or when) policyholders should report a crash to their car insurance company, and Texas is no exception.
However, every automobile insurance contract requires the policyholder to promptly report a car accident to the insurer. If you wait to report the accident to your insurer, and the delay jeopardizes the company's ability to investigate or defend a claim, they might be able to deny coverage. Learn more about how a car insurance company investigates a claim and contacting your car insurance company after an accident.
Around a dozen states follow some version of a "no-fault" system when it comes to car accidents, meaning after a crash drivers turn to their own insurance coverage to make a claim for injuries and certain out-of-pocket losses, regardless of who caused the accident. (Get the basics on how no-fault car insurance works.)
Texas is not a no-fault state. It follows a traditional fault-based system when it comes to car accidents. That means all options are on the table if you're injured in a car crash in Texas. You can:
Like most states Texas requires vehicle owners to maintain a certain amount of insurance coverage—or otherwise demonstrate financial responsibility in case an accident occurs. Learn more about the Texas car insurance rules and requirements.
A "statute of limitations" is a state law that sets a time limit on the right to bring a lawsuit. These deadlines vary depending on the kind of harm you suffered and the kind of case you want to file. In Texas, most car accident lawsuits need to be filed within two years of the date of the crash. Get the details on the Texas car accident statute of limitations.
If the other driver was entirely at fault for your car accident, the result is usually predictable: The other driver (through their insurance carrier) will pay to compensate you for medical bills, lost wages, and other losses you suffered. But what happens if you were partly at fault?
Texas follows a "modified comparative fault" rule when more than one party is found to share blame for an accident. In the rare event that a car accident case goes to a court trial, the jury will be asked to calculate two things based on the evidence:
Under the modified comparative fault rule, the plaintiff's damages award is reduced by a percentage equal to their share of fault.
Suppose your car accident goes all the way to trial, and the jury decides your total damages award should be $100,000 (including your medical bills, lost income, vehicle damage, and "pain and suffering"). But the jury also decides you are 40 percent responsible for the accident (maybe you were speeding). Under Texas's comparative fault rule, you are entitled to get 60 percent of the $100,000 total, or $60,000—still a significant sum, far below your total damages.
One important note: Since Texas is a "modified" comparative fault state, you will receive nothing at all if you are found to be more than 50 percent at fault for the crash.
Not only does the comparative negligence rule bind Texas judges and juries (if your car accident case makes it to court), it will also guide a car insurance claims adjuster who's evaluating your case. A claims adjuster makes decisions based on what is likely to happen in court, after all. But don't let that prevent you from pursuing an auto accident settlement or lawsuit. Instead, talk to an attorney about your situation and your best course of action.