Car Accident Laws to Know as a Driver in Texas
Navigating the aftermath of a car accident in Texas can be complex and overwhelming. Understanding the state’s specific car accident laws is crucial for any driver, whether you’re a resident or just passing through. McLemore, Reddell, & Story, P.L.L.C., a leading Houston personal injury law firm, is committed to helping injury victims across Texas. In this blog post, we’ll guide you through the essential car accident laws in Texas, ensuring you’re well-informed to protect your rights and interests after an accident. If you’ve been hurt in a crash caused by a negligent, drunk or distracted driver, contact McLemore, Reddell, & Story, P.L.L.C., for help from a team of skilled and dedicated Texas personal injury lawyers.
The Statute of Limitations
A statute of limitations is a law that stipulates a specific time frame following a car accident within which you must either file a lawsuit or lose that right. For personal injuries in Texas, you have two years from the date of the accident to initiate legal proceedings. The same period applies to property damage claims. Failing to adhere to this timeline can result in the loss of your right to sue.
Comparative Fault Rules
Texas operates under a “modified comparative fault” system. This means that if you’re found partially at fault for the accident, your compensation will be reduced by your percentage of fault. However, if you’re more than 50% at fault, you cannot recover any compensation. Understanding this rule is vital, as it directly impacts the potential outcome of your claim.
Reporting Requirements
If you’re involved in a car accident in Texas that results in injury, death, or property damage exceeding $1,000, you must report the accident to the police. Failing to report such accidents can lead to penalties and complicate your insurance claim process.
Insurance Requirements
Texas is a fault state, meaning that drivers who cause accidents are also responsible for the damages. Texas law requires drivers to carry minimum amounts of liability insurance: $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage (30/60/25 coverage). However, considering the high cost of medical care and vehicle repairs, carrying more than the minimum is advisable.
Dealing with Insurance Companies
After an accident, you’ll likely deal with insurance adjusters. While they may seem friendly, it’s important to remember that their primary goal is to minimize the company’s payouts. Be cautious about providing recorded statements or accepting early settlement offers without consulting a legal professional. An experienced attorney can negotiate with insurers on your behalf, aiming for a settlement that truly reflects your damages and losses.
How McLemore, Reddell, & Story, P.L.L.C. Can Help
If you’re involved in a car accident in Texas, seeking legal representation can significantly impact the outcome of your case. At McLemore, Reddell, & Story, P.L.L.C., we have a thorough understanding of Texas car accident laws and a commitment to advocating for the rights and best interests of injury victims.
Our team will guide you through the legal process, from investigating the accident and gathering evidence to negotiating with insurance companies and, if necessary, representing you in court. Our goal is to ensure you receive the compensation you deserve for your injuries, damages, and any other losses.
If you or a loved one has been hurt in a motor vehicle accident in Houston, Corpus Christi, or throughout Texas statewide, call McLemore, Reddell, & Story, P.L.L.C. at 713-303-8543 for a free consultation. Let us help you on your journey to recovery and justice.
