Car Accident & Personal Injury Lawyer in Texas
Car and pickup crashes, pedestrians, motorcyclists, uninsured drivers. More than 30 years in Eagle Pass and Southwest Texas making the insurer pay what it owes.
If you were hit in Texas and it wasn't your fault, the at-fault driver — and their insurer — owe your medical bills, your lost income and the harm they caused. Even if you were partly at fault, you recover as long as your share doesn't exceed 50%. And if the other driver had no insurance or fled, your own policy may respond. The insurer starts working against you on day one; you have 2 years to file, but the evidence lasts weeks.
A crash pulls you out of your life in a second: the car, the job, the medical appointments, the rent that doesn't wait. And in the middle of all that, an insurer calling in a friendly voice to ask how you're doing.
That call isn't courtesy. The other driver's insurer works for the other driver, and its goal from day one is to pay as little as possible. Every question has a purpose, and every week without medical care hands them an argument.
Here's how fault is decided in Texas, what the insurer will do, what you can claim, and why the first hours matter more than the next two years.
Who is liable for a crash in Texas?
Texas is a fault state: whoever caused the crash pays, through their insurer. That opens several routes depending on what happened:
Distraction, speed, failure to yield, alcohol or fatigue. Their insurer pays up to the policy limit — and Texas's required minimum is low, so it often isn't enough.
Uninsured/underinsured motorist coverage (UM/UIM) exists for exactly this: it pays when the responsible driver has no insurance, too little, or was never identified. Many policies include it and the insured doesn't know.
Delivery van, pickup with a logo, company vehicle: if the driver who hit you was on the job, their company is liable too, with a far larger commercial policy.
If a drunk driver hit you, Texas law (Dram Shop) also allows a claim against the establishment that served them when they were already obviously intoxicated.
Less common, but real: defective brakes or airbags, or a stretch of road badly designed or marked. Claims against government entities have much shorter deadlines.
What the insurer will do in the first 48 hours
No matter how clear the fault is, the process is the same in almost every case. Recognizing it in time is half the defense:
It's a recorded statement, and everything you say — "I'm fine," "I didn't see the car," "I was going a little fast" — will be used. You aren't required to give one. Tell them your lawyer will be in touch.
The first offer arrives before you know how hurt you are, and signing it closes the case forever. A neck or back injury that's a nuisance today can be surgery in three months.
Texas uses modified comparative negligence: you recover as long as your share doesn't exceed 50%, reduced by your percentage. That's why they fight every point — and why the police report and the photos matter.
The most-used argument and the easiest to avoid. Get care the same day, even if you can walk. The gap between the crash and the first visit is the first thing they look for.
A prior condition doesn't remove their liability if the crash aggravated it. It's an argument to lower the number, not to eliminate the claim.
The evidence that decides these cases
Fault is fought with physical things, not versions. And almost everything physical is lost within days:
Both accounts, the witnesses the officer found, and sometimes the officer's opinion on the cause. Not the last word, but the foundation.
Where each car ended up, the damage, pavement marks, the light or the stop sign, visibility. The geometry of the damage says who hit whom.
Businesses, gas stations, homes with doorbell cameras, traffic cameras. They erase themselves within days — they have to be requested that week.
Someone who wasn't in either car is worth more than any argument. They leave the scene in minutes; their names are collected there or not at all.
It ties the injury to the crash and documents how it evolves. Without it, the insurer will say it wasn't serious or was pre-existing.
Many modern cars record speed and braking. And if it was a company vehicle, its commercial insurance and records change the case entirely.
What to do after a crash
In this order. If you're badly hurt, whoever is with you can do several of these:
- 1Call 911. Without a police report, it's your word against theirs — and their insurer.
- 2Photograph everything before the cars are moved, if it's safe: positions, damage, plates, the scene, the marks.
- 3Get the other driver's information and insurance, and note whether the vehicle belongs to a company.
- 4Get witness names and phone numbers before they leave.
- 5Get medical care the same day. ER or your doctor. Even if you feel fine.
- 6Don't talk to the other driver's insurer. Not recorded, not "informally." Your own insurer does need to know about the crash — carefully.
- 7Sign nothing and don't accept the first check before a lawyer reviews it.
- 8Ask nearby businesses about cameras that same week.
What can be claimed
Every case is different and nobody serious quotes a number up front. Generally, a crash claim can include:
- Past and future medical expenses: ER, therapy, surgery, medication
- Wages lost while you couldn't work
- Loss of earning capacity, if the injury leaves you limited
- Physical pain and suffering
- Mental anguish
- Physical impairment or disfigurement
- Damage to your vehicle and transportation while you're without it
How long do I have?
In Texas you generally have 2 years from the date of the crash to file an injury lawsuit. If the responsible party is a government entity — a city vehicle, a district school bus, a stretch of road — notice deadlines are far shorter, sometimes months.
But the deadline that really decides the case is the evidence: video lasts days, witnesses forget, cars get repaired or scrapped. A case handled in the first week looks very different from one that starts at six months.
Why Southwest Texas families call us
When you call, you talk to the people handling your case, not a case manager. That's how it's been for more than 30 years.
No health insurance? We connect you with doctors who treat you now and get paid at the end of your case.
Nothing out of your pocket. We only get paid if we win your case.
The other driver's, their employer's, your own UM coverage. Texas's minimum rarely covers it; the case is in finding everything that applies.
Your case is handled in your language, by the people actually handling it.
In Texas anyone injured by another's negligence can file, and what you tell us is protected.
Frequently asked questions
The other driver had no insurance. Have I lost?+
Not necessarily. Your own policy may carry uninsured motorist (UM) coverage, which pays in exactly that case. Many people have it without knowing. Check before writing the case off.
The report says I was partly at fault. Can I still file?+
Generally yes. In Texas you recover as long as your responsibility doesn't exceed 50%, reduced by your percentage. And the report's percentage isn't the final word.
The insurer already offered a check. Should I take it?+
Not before a lawyer reviews it. The first offer arrives before the real damage is known, and signing closes the case forever, even if you later need surgery.
I was hit by a company van. Does that change anything?+
A lot. Their company is liable too, with a commercial policy far larger than a private driver's, and its records — cameras, GPS, the driver's history — become evidence.
What does it cost to have my case reviewed?+
Nothing. The consultation is free and confidential, and we only get paid if we win. If you need medical care and have no insurance, we connect you with doctors who treat you now.
Were you hit? Let's talk today.
Free, confidential consultation. No fee unless we win. The other driver's insurer has already started — the sooner we talk, the more even the case starts.
We cover Southwest Texas from Eagle Pass and we come to you. Every city has its own highways, hospitals and courts — if your crash happened in one of these, here's what applies where you are:
Guides that may help you
This page is for informational purposes only and does not constitute legal advice. Every case is different; past results do not guarantee future outcomes. Reading this content does not create an attorney-client relationship.