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Filing a claim is the first thing you’ll want to do after a car accident. You’ll want to make sure that you do this correctly, as it may impact your ability to file a lawsuit later and because it may determine whether or not you get compensation from the other party’s insurance company.

Getting Started

If you already have an accident attorney, they’ll help you with this process. If you’re getting started on your own, the process is really not terribly difficult.


Start by talking to the other party’s insurance company. You should exchange insurance information during the collision. If you haven’t, you can find their insurance company online. There will be cases, of course, where you and the other driver may have been too angry at one another to exchange information. In such cases, you can use the police report, which you can obtain by contacting the law enforcement agency that responded to the accident.


Once you have the information, you contact the insurance company for the other party and give them all the information they need. If the other party is responsible, they will have contacted their own insurance company by this point, as you should have contacted yours. You’ll have to give details about the accident so that the insurance agent can get an idea of what damages will be covered.


Remember that Texas does require liability insurance of all drivers. If the other driver had no insurance, they’re guilty of a criminal infraction, which will complicate matters. In such cases, contacting an Austin car accident attorney right away is highly advisable.


Give the Info

The insurance agent may ask for some very specific information about the accident. Be honest about what you remember. If you don’t remember something, don’t feel pressured to come up with something to say. In stressful situations such as car wrecks, it’s not at all unusual for people to have some issues remembering exactly what happened to them.


The other party’s insurance company will investigate the matter. If it’s obvious that the other driver was at fault, they’ll likely contact you to let you know that they’re going to cover the damages. They will need an estimate so that they can cut you a check. This will include your medical expenses and all other expenses related to the accident, in addition to the damage done to your car.


Once this is taken care of, you should receive the money you need. If not, you should contact an attorney to discuss filing a lawsuit so that you can get the compensation that you deserve for suffering due to someone else’s negligence.

Staff (65 Posts)