What to Do After a Car Accident in Texas

Disclaimer: Call 911 immediately if you are hurt and you’re able. Making sure you are

safe and okay above all else.

You need a police report to make the process as easy as possible when dealing with the insurance company. I can’t stress this enough. All insurance companies, the good ones even, have to investigate the claim and a police report is always a starting point. Even if you’re not hurting and need your car fixed, you still need a police report. 

I get it, you get rear ended and now you have to wait two hours for the cops to show up. But those two hours will save you a ton of work later on. I would never advise someone to just switch insurance information and go on their merry way

(Most of the time it’s because the defendant driver has a warrant for their arrest). 

What happens when a client comes to me and only exchanges insurance information is that the defendant driver tells their own insurance company that they don’t know what my client is talking about and that they were never in a crash. Then I have to send a private investigator to try and get photos of the defendant’s car (if the private investigator can find it) to prove that the defendant was in fact in a crash. It’s a headache, and if my client doesn’t have first party coverage for their vehicle, then my client is stuck paying out of pocket for a rental and can’t fix the car until my private investigator can prove otherwise. 

So yes, you should wait those two hours for the cops to show up, properly investigate the crash, and verify the insurance coverage that the driver who hit you has.