A car crash can disrupt your health, your income, and your day-to-day life. Insurance adjusters often call fast and push quick payouts before you know your full medical picture. Universal Law Group helps Houston drivers and families take control of the claim, document injuries, and pursue full compensation through settlement or trial.
We also help clients searching for a Houston car wreck lawyer, car crash attorney, or auto accident attorney.
Call (832) 767-0339 or request a free consultation. We charge no attorney’s fee unless we recover compensation. Clients may still be responsible for certain case costs and expenses.
Key Takeaways
- Get medical care quickly. A medical visit protects your health and creates records that link injuries to the crash.
- Do not rush a settlement. Early offers can miss future treatment, lost income, and long-term limits.
- Save proof right away. Photos, witness names, the crash report number, and expense receipts can support fault and damages.
- A lawyer can control insurance contact. Your attorney can stop recorded statements, respond to requests, and push back on delay and blame tactics.
- Claim value depends on facts. Medical care, future needs, missed work, and daily impact drive the numbers, not the first bills.
- Texas rules affect your recovery. You can recover if you are 50% or less at fault, and most cases have a two-year deadline.
- You can start with no upfront fee. Universal Law Group works on contingency, so you pay no attorney’s fee unless compensation is recovered. Clients may still be responsible for certain case costs and expenses.
Houston Car Accident Lawyers Who Protect You From Insurance Companies
Insurance adjusters often contact you quickly and push early settlement offers before you know your full medical picture. Universal Law Group helps Houston crash victims protect their claim, document injuries, and pursue compensation through settlement or trial.
Call (832) 767-0339 or request a free consultation. We charge no attorney’s fee unless we recover compensation. Clients may still be responsible for certain case costs and expenses.
Why Houston Injury Victims Trust Our Car Accident Attorneys
- Proven results: See examples in our case results section.
- Houston leadership: Led by Brian Nguyen.
- Trial readiness: We prepare cases for litigation when insurers refuse fair offers.
- Clear communication: Direct updates and bilingual support.
What to Do After a Car Accident in Houston
The steps you take in the first day can protect your health and your claim. Use this checklist as a guide.
- Get medical care now. Go to urgent care or the ER if needed. Follow-up care matters even when symptoms feel mild.
- Call 911 if anyone is hurt. Ask for an officer to respond and request the crash report number.
- Take photos and video. Capture vehicle damage, plates, road conditions, skid marks, signs, and visible injuries.
- Get witness contact details. Independent witness statements can strengthen fault disputes.
- Do not admit fault. Keep statements simple and factual.
- Do not give a recorded statement. Do not sign documents from the other insurer before you get legal advice.
- Track all costs. Save bills, prescriptions, mileage, towing, rentals, and proof of missed work.
For deeper step-by-step guidance, read our What to Do After a Car Accident in Texas guide. If you need a crash report, see our Houston Police Department accident report resource.
How a Houston Car Accident Lawyer Helps Your Claim
A strong claim is built on proof, medical documentation, and leverage against the insurance company. Our Houston car accident attorneys handle the work so you can focus on recovery.
We gather evidence that supports fault
We collect crash reports, photos, witness statements, roadway evidence, available video, and records that explain how the collision happened. When a case needs it, we work with experts to support liability and damages.
We take over insurance communication
Adjusters often look for statements they can use to reduce a payout. We manage insurer contact, protect you from unfair requests, and push back on delay tactics and low offers.
We document injuries and future care
Insurance companies often dispute injuries as “minor” or “pre-existing.” Our attorneys use medical records, imaging, and treatment timelines to connect the crash to the harm and the recovery path.
We calculate the full value of damages
We look beyond the first round of bills. Your legal team builds damages with treatment costs, future care, lost income, reduced earning ability, and the impact the injury has on daily life.
We negotiate hard and prepare for trial if needed
Most cases settle, but fair outcomes often require trial readiness. We prepare cases with the expectation that litigation may be necessary if the insurer refuses reasonable terms.
Cost: Universal Law Group works on a contingency fee basis. You pay no attorney’s fee unless compensation is recovered. Clients may still be responsible for certain case costs and expenses. Learn more on our contingency fee page.
Why Car Accidents in Houston Often Cause Serious Injuries
Houston’s size, traffic volume, and roadway design increase the risk of high-impact collisions. Daily congestion on major corridors means sudden stops, speed changes, and limited reaction time. When crashes happen at freeway speeds or in dense traffic, injuries are often severe.
Several local factors contribute to the risk:
- High-speed freeway travel on I-10, I-45, I-69, Beltway 8, and Loop 610
- Congested merges and exits that trigger rear-end and chain-reaction crashes
- Distracted driving in heavy stop-and-go traffic
- Commercial vehicle traffic from delivery fleets and service trucks
- Weather conditions such as heavy rain and flooding that reduce visibility and braking distance
The City of Houston has identified a High Injury Network—a limited number of streets and highways where a disproportionate number of serious crashes occur. Accidents along these corridors often involve multiple vehicles and result in injuries that require extended treatment.
When a crash happens in these conditions, insurers closely examine speed, following distance, and driver behavior. A Houston car accident lawyer familiar with local roads and traffic patterns can identify how those factors affect fault and liability.
Common Causes of Car Accidents in Houston
Most car wrecks in Houston are preventable. They happen when a driver fails to act with reasonable care under traffic and road conditions. Identifying the cause of the crash is a key step in proving fault and recovering compensation.
Distracted driving
Texting, phone use, navigation systems, and in-car screens pull attention away from the road. Even a brief distraction can lead to a rear-end or lane-change collision in heavy traffic.
Drunk or drug-impaired driving
Alcohol and drugs slow reaction time and impair judgment. Crashes involving impaired drivers often cause serious injuries and may support additional claims under Texas law.
Speeding and aggressive driving
Excessive speed, tailgating, unsafe lane changes, and running red lights increase crash severity. Speed differences between vehicles often explain why injuries are worse in freeway accidents.
Fatigue and drowsy driving
Long commutes and late-night driving contribute to crashes caused by delayed reactions or drivers falling asleep at the wheel.
Poor road or weather conditions
Standing water, debris, poor lighting, and unclear signage can contribute to loss of control. In some cases, responsibility may extend beyond the driver.
Inexperienced or uninsured drivers
Drivers who fail to yield, misjudge speed, or lack insurance coverage can leave injured victims facing added challenges. Compensation may still be available through other coverage options.
Why this matters:
The cause of the crash determines what evidence is needed. Phone records, toxicology reports, vehicle data, roadway conditions, and witness accounts all play a role. Early investigation helps preserve proof before it disappears.
Types of Houston Car Accident Cases We Handle
Every collision raises different legal and insurance issues. Our Houston car accident lawyers handle a wide range of car wreck and auto accident cases, including complex claims involving multiple vehicles, serious injuries, and commercial insurance policies.
Rear-End Collisions
Rear-end crashes often involve distracted driving or following too closely. Injuries may include whiplash, back injuries, or concussions.
Learn more about rear-end collision claims.
T-Bone and Intersection Accidents
Side-impact crashes frequently occur at intersections when a driver fails to yield or runs a red light. These collisions often cause serious injuries due to limited vehicle protection.
See our guide on T-bone accidents.
Highway and Freeway Accidents
Crashes on Houston highways like I-10, I-45, I-69, Beltway 8, and Loop 610 often involve higher speeds and severe injuries. These cases may require accident reconstruction.
Multi-Vehicle and Chain-Reaction Crashes
Pileups are common in congested traffic and poor weather. Determining fault may involve multiple drivers and insurance policies.
Learn more about multi-vehicle accident claims.
Rideshare crashes involve layered insurance coverage that depends on driver status at the time of the crash.
Learn about your options after a rideshare accident.
Commercial and Work Vehicle Crashes
Accidents involving delivery trucks, company vehicles, or work fleets often require investigation beyond the driver.
See our resource on commercial vehicle accidents.
Uninsured and Underinsured Motorist Accidents
If the at-fault driver has no insurance or insufficient coverage, you may still recover compensation through your own policy.
Learn more about uninsured motorist claims.
Fatal Car Accidents and Wrongful Death
Families who lose a loved one in a fatal crash may pursue compensation for financial and emotional losses.
See our wrongful death attorney page for more information.
Common Injuries After a Houston Car Accident
Car accident injuries are not always obvious at the scene. Many victims feel “okay” at first, only to experience pain or symptoms days later. Early medical evaluation protects your health and helps connect injuries to the crash.
Common injuries in Houston car accident cases include:
- Whiplash and other soft tissue injuries
- Back injuries, herniated discs, and spinal cord damage
- Concussions and traumatic brain injuries
- Broken bones and fractures
- Internal organ damage and internal bleeding
- Psychological injuries, including anxiety and PTSD
Some injuries require ongoing treatment, physical therapy, or long-term care. Others affect concentration, sleep, or the ability to work. Insurance companies often question injuries that do not appear immediately, which is why documentation and follow-up care matter.
For detailed information on diagnosis, treatment, and claim considerations, visit our car accident injuries resource pages, including:
- Whiplash injuries
- Back and spinal injuries
- Traumatic brain injuries
- Broken bones and fractures
- Internal organ damage
If symptoms appear after the crash, do not delay care. Gaps in treatment are often used to dispute injury severity and reduce settlement offers.
Who Is at Fault in a Houston Car Accident?
Fault determines who pays. In many cases, liability is not decided by what a driver says at the scene. Liability is decided by evidence and how Texas law applies to the facts.
Texas modified comparative fault
Texas allows recovery if you are 50% or less responsible for the crash. Your compensation is reduced by your percentage of fault.
What happens if you are partly at fault
Even if you made a mistake, you may still have a valid claim. Insurance companies often exaggerate shared fault to reduce payouts.
How negligence is proven
Negligence can be proven with crash reports, photos, video, witness statements, vehicle damage patterns, and other records that show what happened and why.
Police reports and their limits
A police report can support a claim, but it is not always the final word on fault. Reports can contain errors or incomplete information, especially when witnesses are missing or injuries appear later.
How Much Is a Houston Car Accident Claim Worth?
There is no fixed value for a car accident claim. The amount depends on how the crash affected your health, income, and daily life. Insurance companies often focus on short-term bills. A complete claim accounts for the full impact of the injury.
Compensation in a Houston car accident case may include:
- Medical expenses for emergency care, hospital stays, surgery, rehabilitation, medication, and follow-up treatment
- Future medical care when injuries require ongoing treatment or monitoring
- Lost income for time missed from work during recovery
- Reduced earning ability if injuries limit the type or amount of work you can perform
- Property damage for vehicle repair, replacement, or diminished value
- Pain and suffering for physical pain, emotional distress, and loss of normal activities
What increases or reduces case value
Several factors affect how much compensation may be recovered:
- Severity and permanence of the injury
- Length and type of medical treatment
- Clear evidence of fault
- Available insurance coverage
- Consistency between medical records and reported symptoms
Cases involving spinal injuries, brain injuries, fractures, or long-term impairment often require careful planning to account for future costs. Our goal is to pursue compensation that reflects documented losses, not just what an insurer initially offers.
Insurance Company Tactics After a Houston Car Crash
Insurance companies investigate claims to protect their financial interests. Even when fault seems clear, adjusters may look for ways to limit payment.
Common tactics include:
- Quick settlement offers before the full extent of injuries is known
- Requests for recorded statements that can be used to challenge your account
- Disputing medical treatment as unnecessary or unrelated to the crash
- Delaying communication to pressure acceptance of a lower offer
- Shifting blame to reduce liability under Texas fault rules
Once you hire a Houston car accident lawyer, insurance companies must communicate through your attorney. This protects you from missteps and allows the claim to move forward based on evidence and documented damages rather than pressure.
Texas Laws That Affect Houston Car Accident Claims
Several Texas laws control how car accident claims work. Understanding these rules helps explain deadlines, fault, and available compensation.
Texas is an at-fault state
The driver who caused the crash is responsible for damages. Their insurance typically pays medical bills and property damage. If coverage is insufficient, other recovery options may apply. Learn more about Texas car accident liability claims.
Modified comparative fault
Texas law allows recovery if you are 50% or less responsible for the crash. Your compensation is reduced by your percentage of fault. See Texas Civil Practice & Remedies Code §33.001.
Statute of limitations
Most car accident claims must be filed within two years of the crash date. Missing this deadline usually ends the right to compensation. See Texas car accident claim deadlines.
Minimum insurance requirements
Texas drivers must carry minimum liability coverage. Many drivers carry only the minimum, which may not cover serious injuries. Uninsured and underinsured motorist coverage can provide additional protection.
Accidents involving government vehicles
Claims against cities or state agencies follow different rules and shorter notice deadlines under the Texas Tort Claims Act. These cases require fast action.
How Long Does a Houston Car Accident Case Take?
The timeline depends on injuries, fault disputes, and insurance cooperation. Some claims resolve quickly. Others take longer when injuries are serious or liability is contested.
Typical timeframes
- Minor injury cases: Often settle within a few months once treatment is complete
- Moderate to serious injury cases: May take several months to a year or more
- Cases requiring litigation: Can take longer due to discovery, depositions, and court schedules
What can delay a case
- Ongoing medical treatment
- Disputes over fault or injury severity
- Multiple vehicles or insurance policies
- Commercial or government defendants
Insurance delays are common. When negotiations stall, filing a lawsuit may be necessary to protect deadlines and apply pressure for a fair outcome.
How Much Does a Houston Car Accident Lawyer Cost?
Most people worry about legal fees after a crash, especially when medical bills and missed work add pressure. Universal Law Group represents car accident clients on a contingency fee basis.
- No upfront cost. You do not pay anything to start your case.
- No attorney’s fee unless we recover compensation.
- Clear fee terms. Fees are a percentage of the recovery and explained in writing.
The firm advances case-related expenses, such as filing fees and expert costs, which are reimbursed from the recovery at the end of the case. Clients may still be responsible for certain case costs and expenses. Learn more on our contingency fee page.
Why Choose Universal Law Group for a Houston Car Accident Case
Choosing the right lawyer matters. Insurance companies track which firms prepare cases thoroughly and which ones settle quickly. Our approach focuses on preparation, communication, and results supported by evidence.
What happens after you hire us
In the first days of representation, our team typically:
- Sends formal notice to insurance companies
- Preserves available evidence and records
- Reviews medical treatment and care plans
- Creates a documentation strategy for damages
- Handles all insurer communication
Local experience and trial readiness
Universal Law Group represents injured drivers and families across Houston and Harris County. The team understands local roadways, insurers, and court procedures. When negotiations stall, cases are prepared for litigation to protect clients’ interests.
Direct access and clear communication
Clients receive direct updates and clear explanations throughout the process. The firm offers bilingual support and is available to assist clients when questions arise.
Recognized leadership
Managing Partner Anissah Nguyen has been named to the Texas Super Lawyers® Rising Stars list (2021–2025) and is a Fellow of the Texas Bar Foundation. Attorney Brian Nguyen leads the car accident practice with a focus on practical advocacy and case preparation.
Houston Car Accident Case Results and Client Experiences
Past results do not guarantee future outcomes. Every case depends on its facts, injuries, and legal issues.
Below are examples of results achieved for injured clients:
$875,000 — Rear-end collision involving a commercial truck
Injury: Lower back injury requiring spinal injections Attorney: Brian Nguyen Strategy: Traffic camera footage, driver records, and expert analysis were used to connect crash forces to spinal injury after fault was disputed.
“Brian walked me through every step after the crash. The settlement helped me move forward.” — M.A., Houston
$190,000 — Car accident claim involving a minor
Injury: Broken leg and emotional trauma Case Manager: Kaylin Wang Strategy: Medical records and specialist input supported a structured settlement for future care.
“Kaylin treated our family with care and respect from start to finish.” — Parent of minor client
$250,000 — Rear-end crash involving a delivery vehicle
Injury: Herniated cervical disc and PTSD Case Manager: Kaylin Wang Strategy: Imaging, treatment records, and expert testimony supported both physical and emotional injury claims.
“I felt heard and supported throughout the case.” — J.S., Houston
Frequently Asked Questions About Houston Car Accident Lawyers
Do I need a lawyer for a car wreck in Houston?
If you were injured, a lawyer can help document damages, handle insurance communication, and protect your claim from low settlement offers.
What if I did not go to the emergency room?
You may still have a claim. Many injuries appear later. Seeking medical care as soon as symptoms arise helps protect your health and your case.
What if the other driver does not have insurance?
You may still recover compensation through uninsured or underinsured motorist coverage or other legal options.
Should I talk to the insurance adjuster?
It is best to avoid recorded statements until you speak with a lawyer. Insurers may use statements to reduce or deny claims.
Can I recover compensation if I was partly at fault?
Yes. Texas allows recovery if you are 50% or less responsible. Your compensation is reduced by your percentage of fault.
What if my injuries show up days later?
Delayed symptoms are common. Prompt medical evaluation and documentation help link injuries to the crash.
Will my case go to trial?
Many cases settle, but preparation for trial is often necessary to reach fair outcomes.
How soon should I contact a lawyer?
As soon as possible. Early involvement helps preserve evidence and avoid insurance pitfalls.
Do I need a lawyer for a minor car accident in Houston?
Even minor crashes can lead to hidden injuries and insurance disputes. A lawyer can help protect your claim and review settlement offers.
What if I was a passenger in the car accident?
Passengers often have claims against one or more drivers involved in the crash. Fault depends on how the accident happened.
What if the crash involved a company or work vehicle?
Accidents involving company vehicles may allow claims against the employer and commercial insurance policies.
What if the other driver left the scene?
Hit-and-run victims may still recover compensation through uninsured motorist coverage or other legal options.
Can I switch lawyers if I already hired one?
Yes. You generally have the right to change attorneys if you are not satisfied with representation.
Will my car accident settlement be taxable?
Most compensation for physical injuries is not taxable, but some portions may be. A lawyer can help explain how settlements are structured.
Areas We Serve
Our Houston car accident lawyers serve clients across Houston and Harris County from our Westchase office. We regularly represent injured drivers and families in neighborhoods throughout the metro area, including Uptown, Galleria, Memorial, The Heights, Midtown, Downtown, Montrose, West University, Bellaire, Spring Branch, Alief, Sharpstown, and surrounding communities.
If your crash happened anywhere in Houston or Harris County, help is available.
Talk With a Houston Car Accident Lawyer Today
A serious car accident can leave you facing pain, medical treatment, missed work, and insurance pressure. Universal Law Group helps clients take control of the process, protect their rights, and pursue compensation supported by the facts.
Call (832) 767-0339 to speak with a member of the team, or request a free consultation online. All consultations are confidential. The office is located at 10350 Richmond Ave., Suite 450, Houston, TX 77042.