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Accident Help in Texas:
Your Rights, Deadlines and Where to Get Help
If you were hurt in an accident in Texas, you generally have two years to file, and the decisions that shape a claim usually get made in the first few weeks. Here’s what matters, plus a way to talk to a Texas attorney today.
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Accident claims in Texas, the short version
If you were injured in a crash in Texas, you generally have two years from the date of the accident to file a personal injury lawsuit. Texas is an at-fault state, so the driver who caused the crash and their insurer are the ones on the hook. Fault gets divided by percentage here, and if you’re found 51% or more responsible you can’t recover anything at all, which is why insurers start working on blame early.
Easy Accident Help isn’t a law firm and doesn’t give legal advice. We connect you with an independent attorney licensed in Texas who can look at your situation, at no cost to you.
Texas at a glance
Accident claim rules in Texas
General information about Texas law. It isn’t legal advice about your case, and an attorney can tell you how any of it applies to what happened to you.
How long to file
Two years from the date of the accident
2 years
That’s the general rule for personal injury lawsuits in Texas. A few situations change it. If a government vehicle or a government employee was involved, you may have to file a formal notice much sooner, sometimes within six months. If the injured person was under 18, the two years may not start until they turn 18. Wrongful death claims usually run two years from the date of death. Building a case that holds up takes time, so it’s worth talking to an attorney well before the deadline is close.
Source Texas Civil Practice and Remedies Code section 16.003
If you share blame
Texas uses modified comparative negligence, with a 51% bar
51% bar
It’s also called proportionate responsibility. If you share some of the blame, whatever you recover is reduced by your percentage of fault. Say you’re found 20% responsible. A $100,000 award becomes $80,000. Cross 51% though, and you recover nothing at all. That threshold is exactly why adjusters work so hard to pin part of the crash on you, and why what you say in the first few phone calls carries more weight than people expect.
Source Texas Civil Practice and Remedies Code Chapter 33, section 33.001
Minimum coverage
At least 30/60/25 in liability coverage
30/60/25
That breaks down to $30,000 for injuries per person, $60,000 for injuries per accident and $25,000 for property damage. Those are legal minimums rather than realistic limits. One serious injury can pass $30,000 in hospital bills alone, and when it does, the at-fault driver’s policy may not cover what you’re actually owed. That gap is where uninsured and underinsured motorist coverage starts to matter.
Source Texas Transportation Code section 601.072, Texas Department of Insurance
State specifics
Texas is an at-fault state, not a no-fault state
The driver who caused the crash and their insurer are generally responsible for the damages, so a claim goes against them rather than against your own policy first. Texas insurers also have to offer you uninsured and underinsured motorist coverage along with personal injury protection, known as PIP. Drivers can turn either one down in writing. Plenty of people do without quite realizing what they’ve given up, so it’s worth pulling out your policy and checking.
Source Texas Transportation Code, Texas Department of Insurance
What to do after an accident in Texas
After an accident in Texas, the first steps matter for both your health and your claim. This is general guidance that applies anywhere in the state, and none of it replaces talking to a doctor or an attorney about your own situation.
- Get looked at by a doctor, even if you feel fine. Adrenaline hides a lot in the first few hours. Neck, back and head injuries often surface a day or two later, and a gap between the crash and your first medical record is the first thing an adjuster will point at.
- Call the police and ask how to get the crash report. In Texas it’s usually available through the responding agency or the state crash records system. The report won’t settle fault by itself, but it’s the document everyone works from later.
- Photograph everything before it moves. Both vehicles, where they came to rest, skid marks, the intersection, signals and signs, the weather and your injuries as they develop over the following days.
- Trade insurance and contact details with the other driver. Name, phone number, insurer and policy number. Get the plate. If anyone stopped to help, ask for their number too, because independent witnesses are very hard to find again a week later.
- Go slow with the adjuster. The other driver’s insurer may call within a day or two asking for a recorded statement. You’re not required to give one. Most people talk to an attorney first, since a throwaway “I’m fine” can follow a claim around for months.
- Write down what you remember tonight. Where you were heading, what the light was doing, what you heard, who said what at the scene. Memory of a crash fades much faster than people expect it to.
- Keep the two year deadline in view. It sounds like plenty of time. It usually isn’t, and it gets much shorter if a government vehicle was involved.
Accident types we help with in Texas
Different crashes turn on different evidence. Pick the one that matches what happened and we’ll look for an attorney who handles that kind of claim in Texas.
Car Accidents
Rear-end collisions, T-bones, head-on crashes, multi-vehicle pileups, distracted driving, and DUI-related accidents.
Truck Accidents
18-wheeler, semi-truck, delivery van and commercial vehicle accidents — often involving complex liability.
Motorcycle Accidents
Riders are 28× more likely to die in a crash. We connect you with attorneys who understand the bias riders face.
Rideshare Accidents
Uber and Lyft accidents involve unique insurance rules. Get an attorney who knows how to navigate them.
Pedestrian Accidents
Hit by a vehicle while walking, jogging, or in a crosswalk? Pedestrians often face severe injuries.
Hit & Run
Even if the at-fault driver fled, you may still be entitled to compensation under uninsured motorist coverage.
Pick your city for pages written around that area, or start the form from anywhere in the state.
We cover all of Texas, not just the cities above. Those have their own pages because they’re the areas we get asked about most. If your crash happened in Lubbock, Corpus Christi, McAllen or anywhere else in the state, we can still look for an attorney who works your area. Start the form or call (888) 401-3677.
Find accident help in your Texas city
Pick your city for pages written around that area, or start the form from anywhere in the state.
San Antonio
Fort Worth
El Paso
Arlington
We cover all of Texas, not just the cities above. Those have their own pages because they’re the areas we get asked about most. If your crash happened in Lubbock, Corpus Christi, McAllen or anywhere else in the state, we can still look for an attorney who works your area. Start the form or call (888) 401-3677.
Three steps. One free phone call.
We do the work of finding you a Texas attorney so you can put your attention on getting better.
Tell us what happened
A few questions about the crash, your injuries and where in Texas it happened. Around 90 seconds.
Get matched with an attorney
We connect you with an independent personal injury attorney licensed in Texas who takes cases like yours.
Free case evaluation
You talk to that attorney directly, at no charge. If they take the case, you only pay if they win.
See if you qualify
Two minutes, no cost and no obligation to hire anyone. If nobody in the network is right for your case, we’ll say so rather than matching you anyway.
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You answer a few questions. We look for an independent attorney licensed in Texas whose practice covers your type of crash, then pass your details to them and they call you directly.
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Texas accident claim questions
How long do I have to file an accident claim in Texas?
In most cases, two years from the date of the crash. That is the general deadline for personal injury lawsuits in Texas. Some situations shorten it considerably. If a government vehicle or employee was involved you may need to file formal notice much sooner, sometimes within six months. If the injured person was under 18, the two years may not start until they turn 18. Wrongful death claims usually run two years from the date of death.
What if I was partly at fault for the accident in Texas?
What should I do right after an accident in Texas?
What car insurance are Texas drivers required to carry?
Do you cover my city in Texas?
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Hurt in a crash in Texas?
Find out in about two minutes whether you qualify to be matched with a Texas attorney. It’s free, there’s no obligation and you only pay your attorney if they win.
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- 100% Free Evaluation
- Available 24/7