Car Accident Settlements in Texas: How Does it Work?

questions about personal injury claimsExperiencing a car collision can be an overwhelming, and in severe cases, traumatizing experience. However, car accident victims don’t immediately think about the intricacies of car wreck settlements.

In the sprawling state of Texas where there are approximately 22 million registered vehicles, the laws can be just as complex as its roads and accidents which resulted in nearly 4,500 deaths in 2022, and thus underlies the importance of how to effectively manage your car accident settlement process.

From understanding the basics of car accident settlements to highlighting what should be addressed during negotiations, you will be equipped with the knowledge needed to better understand your situation and what compensation you may be entitled to for your losses.

Car Collision Settlement: Unveiling the Process and The Importance of Making a Claim

No matter whether the incident occurred on a rural road or at a congested intersection in Houston, at the heart of every car wreck settlement is the goal to compensate the injured party for their losses.

In Texas, as in many states, the car injury settlement process is governed by specific laws and principles that aim to ensure fairness and adequacy of compensation. Here are the key components:

Key Factors Influencing Car Wreck Settlements

Determining the value of your car wreck settlement in Texas involves several key factors:

  • Severity of Injuries: More severe injuries (i.e. spinal cord injury or traumatic brain injury) typically result in higher compensation due to increased medical costs and longer recovery times.
  • Impact on Quality of Life: Compensation may include factors like loss of enjoyment of life and emotional distress.
  • Property Damage: The extent of damage to your vehicle and personal property is also considered.
  • Insurance Coverage: The policies of both parties involved play a crucial role in the settlement process. Texas law requires drivers to carry minimum amounts of liability insurance, which can limit the compensation available.

A Step-by-Step Guide for Securing a Car Injury Settlement

The road to achieving a settlement in Texas involves several key steps, each potentially playing a vital role in the outcome of a claim process:

  • Incident Reporting: Immediately after the auto accident, ensure your safety, then report the incident to the police. Contacting law enforcement following an accident is required by law. Filing a police report is a crucial piece of evidence for your claim. Once it is filed you will want to request a copy of your crash report. You can find information on how and where to request a copy of your accident report by follwong the link to the city where your crash occurred below:
  • Medical Attention: Seek medical attention promptly, even if you feel fine. Some injuries caused by the accident may not be immediately apparent, and medical records serve as essential documentation of your injuries.
  • Gather Evidence: Collect as much evidence as possible, including photos of the scene and your injuries, witness information, and any other relevant details that may eventually support your claim.
  • Notify Your Insurance Company: Inform your insurance company about the accident but be cautious in your communication. Stick to the facts, as this conversation can impact your claim.
  • Consult with a Personal Injury Attorney: Consider consulting a personal injury attorney experienced in Texas law to evaluate your case, establish liability guide you through the settlement process.
  • File a Claim: Your car accident attorney can help you file a comprehensive claim, detailing your injuries, damages, and the compensation sought.
  • Negotiations: Just like most personal injury cases, the vast majority of car wreck cases are settled through negotiations. Your attorney will negotiate with the insurance company on your behalf to try to reach a fair settlement. This process typically starts with a demand. When the damages are high and likely to exceed the policy limits, a Stowers demand letter may be appropriate as an attempt to wrap the case up before expenses get high or open up the insurance company for additional liability.
  • Settlement or Litigation: If a satisfactory settlement is reached, the process concludes. If not, your case may proceed to court, where a judge or jury will determine who was responsible for the crash and attribute an outcome to the injured party.

How Insurance Companies Calculate Car Accident Compensation

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Click above to learn about so-called pain and suffering claims calculators.

The methodology behind insurance calculations is multifaceted, with each component playing a specific role in the final offer:

  • Medical Expenses: This includes all costs related to your medical treatment, from emergency services to ongoing care. Insurers review these expenses closely to determine their validity and necessity.
  • Lost Wages: If your injuries prevent you from working, compensation for lost wages can be included in the settlement. Documentation from your employer and medical providers is crucial here.
  • Property Damage: The cost to repair or replace your vehicle and any other damaged personal property is considered.
  • Pain and Suffering: Calculating compensation for pain and suffering is more subjective. Insurers may use a multiplier method, applying a number (multiplier) to your economic damages based on the severity of your injuries.
  • Policy Limits: The insurance policy limits of both parties involved can significantly impact the settlement offer. Texas law requires minimum liability coverage, which sets a baseline for potential compensation.

While insurers have their methods for calculating offers, remember that their initial proposal is not final. Negotiation plays a key role in achieving a fair settlement, and understanding these calculation practices is your first step towards effective negotiation. That is why it is important to work with a team of car accident attorneys who are familiar with insurance adjuster tactics and are able to appropriately calculate the damages and losses through a car accident settlement.

Technological Advancements in Accident Reconstruction

Details of a car wreck can significantly impact the settlement outcome, and technology can potentially play a crucial role.

Drone Technology: Elevating Accident Analysis

Drones provide a bird’s-eye view of the accident scene, capturing comprehensive imagery that ground-level investigations might miss. This perspective can be crucial in reconstructing accidents on busy Texas highways or in complex intersections, offering a broader context to the incident.

The Role of Dash Cams in Strengthening Your Car Wreck Claim

The footage from a dash cam could potentially be a game-changer by providing the following:

  • Objective Evidence: Dash cam footage provides unbiased evidence of the events leading up to, during, and immediately following an accident. This can be crucial in establishing fault, especially in cases where the other party’s account of the incident differs from yours.
  • Clarification of Circumstances: The video can clarify critical details such as road conditions, traffic signals, and the actions of both parties involved in the accident. This level of detail can be instrumental in supporting your version of events.
  • Protection Against Fraud: Unfortunately, insurance fraud is a reality, with some individuals staging accidents or exaggerating claims. A dash cam can protect you against such fraudulent claims by providing concrete evidence of the incident.

Mastering Negotiations for Your Car Injury Settlement

Especially considering that insurance companies may attempt to deny payment of your medical expenses following an accident, it’s imperative to know your rights and how to prepare yourself.

Initial offers from insurance companies are rarely their best, and you should never cave in and accept the first one. Employ these strategies to enhance your negotiating position:

  • Understand Your Claim’s Value: Before negotiations begin, have a clear understanding of your claim’s worth, considering all damages and Texas laws.
  • Prepare to Counter: Be ready to present a counteroffer that’s supported by evidence, including medical records, expert testimonies, and accident reconstructions.
  • Highlight Emotional Points: While negotiations are largely numbers-driven, don’t underestimate the power of emotional impact, especially in cases of severe injury or distress. To help you with holding the at-fault driver accountable and calculating the damages incurred, you should consider the help of an experienced car accident attorney.

Empowering Yourself: Get a Free Consultation with Simmons & Fletcher, P.C.

Sharon Chris and PaulCar accidents can be devastating, but enduring the obstacles of a car wreck settlement in Texas can be complex and challenging. However, with the right knowledge and preparation, it’s a path that can lead to a fair and just resolution.

Remember, each case is unique, and the specifics of your situation will dictate the best approach to take.

As you move forward, keep these key points in mind:

  • Knowledge is power. Understanding the laws and processes involved in car wreck settlements is crucial.
  • Preparation and evidence are your best allies. Gather comprehensive documentation and consider technological aids to strengthen your case.
  • Negotiation is an art. Approach it with patience, persistence, and a clear understanding of your claim’s value.
  • Professional guidance can make a difference. Don’t hesitate to consult with an experienced personal injury attorney for complex cases or when you need legal advice.

Whether you’re dealing with insurance companies who don’t want to pay, facing negotiations, or considering legal action, remember that with the right personal injury lawyer, you will have the resources and support to seek the compensation you deserve. With more than 40 years of experience, the law firm of Simmons & Fletcher, P.C. has successfully advocated on behalf of our clients involved in the following auto and road accidents to get them the just settlements they so rightfully deserved:

If you have questions, don’t hesitate to reach out to us. We’re ready to take the time to listen to you and invite you to submit your information online or to visit us live at our office for a free consultation:

Simmons and Fletcher, P.C. Injury & Accident Lawyers
9821 Katy Fwy #925
Houston, TX 77024




If you have a personal injury case and would like to know whether it is something that our law firm can help you with, please fill out the form to the right and submit your information or pick up the phone and call us between 8:30 AM and 4:00 PM on Monday through Thursday and 8:30 AM  and 5:00 PM on Friday and out intake team can go help evaluate your case and determine who the best person is for you to talk to about your case. Consultations are 100% free and you have no obligation to hire us.


Simmons and Fletcher, P.C., rooted in Christian values, exclusively handles personal injury cases, advocating for the rights of accident and negligence victims. Our Houston-based team, dedicated to compassion and excellence, handles cases across car accidents, motorcycle accidents, truck accidents, slip and falls, dog bites, and other types of cases with a commitment to personalized care. Upholding integrity and client-focused service, we strive for impactful legal outcomes. For a detailed understanding of our approach and team, visit our attorneys page.

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