Some states are referred to as “no-fault” when it comes to car accidents. This means that after a car accident, each person needs to go through their own insurance to cover their own medical bills and vehicle damages. It doesn’t matter who caused the accident, you are responsible for yourself.
Texas, on the other hand, does not abide by this system. If you get into an auto accident here, you can file a lawsuit against the other driver or a claim against their insurance to cover damages. With this in mind, it can be tricky to determine who you need to notify after you get into an accident.
The Bare Minimum
The important thing is that you know who you are legally obligated to contact after an accident. If anyone was injured or killed in your car accident, it’s mandatory for you to notify the police as soon as possible. If your vehicle or the other driver’s vehicle is totaled and can’t be driven from the accident, that also needs to be reported to the police.
That’s it as far as Texas state law is concerned. You’re not legally responsible to contact the police for any other reason; however, it might be a good idea to contact them regardless in case the other driver tries to sue you after the accident.
What About the Insurance Company?
You aren’t legally required to contact your insurance company right after an accident. Still, you should notify them as soon as possible if you want coverage for any damage.
Most insurance companies expect their clients to file a claim as soon as possible after an accident to ensure a claims adjuster can properly examine the details of the situation. This ensures the accuracy of the circumstance and will give you a better chance of receiving proper financial compensation. If you don’t notify the company quickly enough, they could deny your claim.
What it all boils down to is that there’s no benefit to withholding car accident information from the police or your insurance company. Keeping an open line of communication will keep you in good graces and ultimately help ensure you get the help you need after an accident.
Injured in an Auto Accident? Our Attorneys Will Help You Fight for Compensation!
Whether you need to file a lawsuit against an at-fault driver or your insurance company isn’t paying what you’re owed, we can help. The trusted auto accident attorneys of The Fell Law Firm have the experience to stand by your side and help you fight for the money you deserve. To schedule your initial consultation, call us now at 972-450-1418 or send us a message online.
