Texas Car Accident Attorney
A car accident can happen in the time it takes to glance at a phone, run a yellow light, or drift out of a lane on a crowded Texas highway. The crash itself may last a second, but the financial and physical consequences often stretch for months or years. While you are focused on getting medical care and putting the pieces back together, the insurance company on the other side of your claim is focused on something else entirely: resolving your case for as little as possible.
Redemption Law handles serious car accident claims for injured Texans and their families across the state, including throughout McAllen and the Rio Grande Valley. Founded by Christopher D. Alas, the firm assigns each client a full team from the start: an attorney, a case manager, a legal assistant, and a property damage specialist who work together through every phase of the claim. Our personal injury practice covers the full range of accident types that produce serious injuries on Texas roads.
How Texas Car Accident Claims Work
Texas is an at-fault state, which means the driver who caused the accident is responsible for the resulting damages. In most cases, an injured person pursues compensation through the at-fault driver’s liability insurance. Texas law requires all drivers to carry minimum liability coverage of $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. According to the Texas Department of Insurance, these minimum limits frequently fall short in serious crashes, and many injured Texans find themselves dealing with coverage gaps that complicate their recovery.
When the at-fault driver’s policy does not cover the full extent of your losses, additional sources may apply. Your own uninsured or underinsured motorist coverage, if you carry it, can make up the difference when the responsible party lacks adequate insurance. Personal injury protection, which Texas insurers are required to offer, pays for medical expenses and lost income regardless of fault. Identifying every applicable policy and coverage tier is one of the first things we do when evaluating a new claim.
Texas’s Modified Comparative Fault Rule
Texas follows a modified comparative fault system, which means you can still recover damages even if you share some responsibility for the crash. As long as your percentage of fault does not exceed 50 percent, you remain eligible to pursue compensation. Your total recovery is then reduced by your assigned percentage. If your fault is found to be 51 percent or more, you are barred from recovering anything. Insurance adjusters know this rule well and use it strategically, often working to push a claimant’s fault percentage above that threshold to reduce or eliminate the payout.
The Two-Year Filing Deadline
Texas gives most car accident victims two years from the date of the crash to file a personal injury lawsuit. This deadline applies regardless of how long treatment lasts or how complicated negotiations become. Missing it almost always means losing the right to pursue compensation in court, no matter how clear the liability or how serious the injuries. Acting early locks in evidence before it disappears and keeps every legal option available.
What Insurance Companies Do After a Texas Crash
Most people assume the insurance process is straightforward: the other driver was at fault, so their insurer pays. In practice, it rarely works that cleanly. After a crash, the at-fault driver’s insurance company opens an investigation with its own interests in mind. Adjusters are trained to look for anything that reduces the value of your claim, including statements you make in the first days after the accident, gaps in your medical treatment, and evidence that you shared even partial responsibility for the collision.
Recorded Statements and Early Settlements
One of the most common early tactics is requesting a recorded statement from the injured person before they have spoken with an attorney. These statements are taken while details are fresh but also while the injured person is still disoriented, in pain, or unaware of how certain phrases can be used against them later. Adjusters also move quickly to offer early settlements, sometimes within days of a crash. These offers often arrive before the full scope of treatment is known and before future medical costs can be properly accounted for.
When Fault Is Disputed
In crashes where liability is contested, insurers may send their own investigators, review traffic and surveillance footage, and commission accident reconstruction analysis, all with the goal of building the most favorable version of events for their insured. When you are unrepresented, you are typically negotiating against a team of professionals who handle thousands of claims each year. Having an attorney who can match that level of preparation changes how those conversations go.
Facts and Statistics
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Common Causes of Texas Car Accidents
Most serious crashes on Texas roads trace back to a specific act of negligence. The cause of a crash matters because it shapes how fault is established and which parties may bear responsibility. Some of the most frequent causes our firm sees in car accident claims include the following:
- Distracted driving: including phone use, texting, eating, and other activities that take attention away from the road.
- Speeding: which reduces stopping distance and increases the severity of impact, especially on high-speed Texas corridors.
- Failure to yield: at intersections, merges, and crosswalks, where right-of-way violations are among the most common causes of serious collisions.
- Drunk and impaired driving: which accounted for roughly one in four Texas traffic fatalities in 2024, according to TxDOT.
- Fatigued driving: particularly common in commercial vehicle crashes and on long rural stretches of Texas highway.
- Defective vehicles or road conditions: which can shift liability to manufacturers, maintenance contractors, or government entities responsible for roadway safety.
When the cause of a crash is unclear, a proper investigation, including review of crash reports, witness accounts, traffic camera footage, and physical evidence, helps establish who failed in their duty and how that failure led to the collision.
Types of Car Accident Injuries and What They Mean for Your Claim
The severity of a car accident injury has a direct effect on the value of a claim. Minor soft-tissue injuries typically resolve within a few weeks and involve relatively limited damages. Serious injuries, on the other hand, require ongoing treatment, may prevent someone from working, and can permanently affect quality of life. The types of injuries we most often see in car accident claims include traumatic brain injuries, spinal cord damage, broken bones, internal injuries, and severe lacerations. In cases involving catastrophic injuries, the future costs of care, lost earning capacity, and the non-economic impact of permanent limitation all factor into the full value of the claim.
One of the most important things an attorney does in a serious injury case is ensure the settlement accounts for what treatment will cost in the future, not just what it has cost so far. Insurers will sometimes offer amounts that cover current bills but leave injured people short when ongoing care continues for months or years after settlement.
What You May Be Able to Recover
Texas law allows car accident victims to seek compensation for both economic and non-economic losses. The damages most commonly pursued in these claims include medical expenses covering emergency care, surgery, hospitalization, rehabilitation, and future treatment costs; lost income for wages missed during recovery and reduced earning capacity where the injury affects long-term employment; property damage for vehicle repair or replacement and any personal belongings damaged in the crash; and pain and suffering for the physical discomfort, emotional toll, and reduction in daily quality of life caused by the injury.
In cases where the at-fault driver’s conduct was especially reckless, such as drunk driving or street racing, Texas law may also allow for exemplary damages, which go beyond compensating the victim and are intended to penalize the responsible party.
Frequently Asked Questions
No. You are not required to provide a recorded statement to the at-fault driver’s insurer. It is generally advisable to speak with an attorney before making any detailed statements to an insurance company following a serious crash.
If the at-fault driver had no insurance or insufficient coverage to cover your losses, your own uninsured or underinsured motorist policy may apply. This is one of the first coverage issues we assess when reviewing a new claim.
It depends on the nature of the injuries and whether liability is disputed. Claims involving clear fault and fully resolved injuries may settle in a few months. Cases with serious injuries, disputed liability, or multiple parties involved can take significantly longer. We keep clients informed throughout the process so there are no surprises.
Texas uses a modified comparative fault rule. You can still recover as long as your share of fault does not exceed 50 percent, though your total damages are reduced by your assigned percentage. The key is how fault is documented and presented.
Yes, though a police report is important evidence in most claims. If one was not filed at the scene, other evidence including photos, witness statements, and medical records can still support your claim. We work with what is available and build the record from there.
We work on a contingency fee basis, which generally means you pay no attorney fees unless we recover compensation for you. There are no upfront costs to getting started.
Talk to Redemption Law About Your Texas Car Accident Claim
Our team includes attorneys, case managers, legal assistants, and a property damage specialist who stay involved from the first review through final resolution. Christopher D. Alas founded Redemption Law to handle serious injury claims with the kind of attention and transparency that gives clients a real understanding of where their case stands. We serve Spanish-speaking families throughout Texas and the Rio Grande Valley, and we explain the process in plain terms so nothing gets lost in translation.
If you were injured in a car accident anywhere in Texas, you can learn more about our firm and the team that would handle your case before making any decisions. Reach out through our contact form to discuss what happened and find out what options may be available to you. We review claims at no cost and only get paid if we recover compensation on your behalf.
