What to Do After a Car Accident in Texas Without Stress
Not sure what to do after a car accident in Texas? Whether it’s a minor fender-bender or a serious crash, staying calm and knowing the right steps can make a big difference—especially when it comes to your insurance claim.
At Paga-Menos Insurance, we help Texas drivers navigate the aftermath of accidents and guide them through every step of the insurance process.
Start with Safety and Legal Steps
Check for injuries and move to safety
Your first priority is safety. Check yourself and others for injuries. If possible, move your car out of traffic. Call 911 to report the accident—even if it seems minor.
Exchange information and document everything
Get the other driver’s:
- Full name
- Insurance provider and policy number
- License plate number
- Contact information
Also, take clear photos of the scene, damage, and any skid marks or street signs. These details help when filing your insurance claim.
Understanding Texas Driving Law Requirements
Reporting the accident
In Texas, you must report any accident that results in injury, loss of life, or significant property damage. A police report becomes a valuable part of your post-accident guide, especially during the insurance claim process.
Don’t leave the scene
Leaving the accident site—especially with injuries involved—can result in criminal charges. Stay until authorities clear you to leave.
How to File an Insurance Claim the Right Way
Contact your insurer immediately
Notify your insurance company as soon as possible. Provide all the information collected at the scene. The sooner you start, the smoother the process will be.
Know what your policy covers
Whether you have liability-only or full coverage, knowing your limits helps manage expectations. If you’re unsure, one of our agents at Paga-Menos Insurance can review your policy with you.
Track all related expenses
From medical bills to towing fees, keep all receipts. They’ll support your claim and help your insurer evaluate compensation.
When to Consider Legal or Professional Help
Not every accident requires a lawyer—but if there are disputes, serious injuries, or unclear liability, it might help. Similarly, working with a trusted insurance agency ensures you’re not alone when handling paperwork or deadlines.
Our team provides personalized support, helping you understand your options and avoid common mistakes many drivers make after a collision.
FAQs – What to Do After a Car Accident in Texas<
Do I need to call the police for every accident?
In Texas, you must report the accident if someone is injured, if there’s a fatality, or if the damage is significant. When in doubt, it’s always safer to report the incident and request a police presence.
Can I file a claim without a police report?
It’s possible but not recommended. Most insurers and legal processes benefit from having an official report.
How long do I have to file an insurance claim?
Each policy is different, but you should report as soon as possible—preferably within 24 to 72 hours. The longer you wait, the harder it becomes to validate.
Let Paga-Menos Insurance Guide You After an Accident
If you’re unsure what to do after a car accident in Texas, let Paga-Menos Insurance be your guide. We’ll help you understand your coverage, handle your insurance claims, and stay aligned with Texas driving law.
Reach out today for stress-free support and a personalized post-accident plan.