A single careless decision can change everything. One driver looks away, speeds through a light, or ignores the road. In seconds, your routine drive through Houston turns into a crash that leaves you dealing with injuries, stress, and uncertainty. As Houston car accident lawyers, we’ve worked with many people who all want the same thing: to get their life back to what it was before that moment.
At Universal Law Group, that goal drives everything we do. Our team steps in to handle the legal pressure so you can focus on healing. We guide you through each step, answer your questions, and build a clear path forward after your accident.
Most crashes happen because of negligence. A distracted, reckless, or careless driver makes a choice that causes harm. When that happens, the law holds them responsible. That responsibility includes the cost of medical care, lost income, and the impact the crash has on your daily life.
If you were injured in a collision, you do not have to manage the process alone. Our Houston auto accident attorneys investigate every detail, gather strong evidence, and pursue full accountability from the at-fault party. We use the full strength of our firm to support your recovery and protect your claim.
The steps you take now matter. Acting early helps preserve evidence and strengthens your case. Let our team take on the legal work so you can focus on getting back to your life.
Universal Law Group: A Proven Record of Results for Injury Victims in Houston
For years, Universal Law Group has stood beside injured people in Houston and across Texas during some of the hardest moments of their lives. Our firm has built its reputation through steady legal work, close attention to the people we represent, and a clear understanding of what is at stake after a serious accident. When someone is hurt because another party acted carelessly, they need more than legal claims and paperwork. They need a team that knows the law, understands the pressure they are under, and is prepared to help them move forward.
Our record is built on results that have made a real difference for injury victims and their families. Universal Law Group has handled thousands of injury cases across Texas and recovered millions for accident victims. Those outcomes have helped clients pay for medical treatment, replace lost income, and address the lasting effects of serious injuries. In every case, our focus remains the same: to pursue compensation that reflects the full impact of what our client has lost and what recovery will require.
Why Clients Choose Our Houston Car Accident Lawyers
Choosing the right lawyer after a crash shapes the outcome of your case. Every personal injury firm handles cases a little differently. Some move quickly to close settlements while others take more time building a stronger case that enhances value.
At Universal Law Group, our approach is simple: We prepare each case with a personalized strategy, strong evidence, and close attention to the facts. We begin with an investigation, clear documentation, and building a claim that meets your needs.
We Know How Insurance Companies Work
Insurance companies have teams of trained adjusters and defense attorneys with one goal: reducing payouts to protect their bottom line. They will dispute fault when liability is clear; they will downplay injuries to reduce claim value; and they will offer lowball settlements that don’t cover your expenses.
Our auto accident attorneys don’t let them get away with it.
We Build Strong, Evidence-Based Cases
Every case depends on proof. The stronger the evidence, the stronger the position during negotiation.
Our team works to secure:
- police reports and crash documentation
- witness statements
- medical records and treatment plans
- expert opinions when needed
This process allows us to present a clear and supported claim that is difficult to dispute.
We Focus on Results, Not Quick Settlements
Some cases settle quickly. Others require time and pressure to reach a fair result.
We evaluate:
- the full extent of injuries
- long-term medical needs
- lost income and future impact
This allows a car accident lawyer in Houston TX to pursue compensation that reflects the real cost of the crash, not just the insurer’s first offer.
You Work Directly With an Experienced Legal Team
Clients often feel frustrated when they cannot reach their lawyer or get clear updates. We take a different approach.
You work with a team that:
- communicates clearly and consistently
- explains each step of the process
- answers questions as your case moves forward
This level of support matters during a stressful time.
Local Experience Matters in Houston Cases
Houston roads create unique risks. High traffic, major highways, and dense urban areas increase the chance of serious crashes.
Our team understands:
- common accident patterns across Houston
- how local reports and documentation affect claims
- how insurers approach cases in this region
That local knowledge helps a Houston car accident attorney build a stronger claim from the start.
What to Do After a Car Accident in Houston
These situations move faster than you might expect. Having an idea of what to do will help you keep a clearer head.
1. Get Medical Care Right Away
Call 911 and report the crash as well as obvious injuries. Symptoms may show up later, so it’s a good idea to get a medical evaluation as soon as possible. Shock and adrenaline often leave people feeling fine at the scene and worse the next day. Your evaluation puts a clean timestamp on your injuries and gives you a record.
2. Call the Police
HPD officers document what they see and take statements from each driver. All of this information goes into the police report, which carries weight in insurance claims, especially when someone changes their story later.
3. Get Information Before People Leave
Make a point of collecting names, contact information, and insurance details from people at the scene. Witnesses are invaluable in these cases but become difficult to track down once they leave.
4. Photos & Video
Documentation doesn’t need to be perfect, but photos and videos capture details that help build your claim. Capture the damage, injuries, vehicle positions, nearby signs – anything that shows the scene. These details may seem small, but they can have an impact on the claim process.
5. Keep Everything in One Place
Keep your records intact and in one place. This includes your medical records, treatment plan, bills, messages and calls with insurance or other drivers, and anything relating to missed work.
6. Be Careful With Early Insurance Calls
Insurance companies act quickly and will try to lowball you before anyone has a full picture of the crash. It feels routine at the time, but one “I feel okay” can derail your claim. Once you have a Houston car accident lawyer, they’ll handle all communication with the insurance adjusters.
7. Get a Second Look Before You Sign Anything
Cases come in all shapes and sizes, and they don’t fit a universal amount. The insurance company is likely to send you an offer early on, but before you accept anything, get a second opinion. Talk to an attorney about the accident and see what they think. A free consultation can help you recover more.
Why You Need a Houston Car Accident Attorney
After a crash, many people assume the insurance process will be straightforward. You report the accident, submit your medical bills, and expect fair payment.
In reality, the process often works very differently.
A car accident claim involves more than reporting the crash and sending in bills. Liability, medical records, documentation, and long-term losses all affect the outcome. A Houston car accident attorney helps build the case, protect the claim, and position it for full value.
A Strong Legal Strategy Creates Leverage
A strong claim depends on timing, documentation, and the ability to connect liability with damages. Without that structure, important parts of the case can be overlooked or undervalued.
Evidence Can Make or Break Your Case
A strong claim depends on more than a police report. It requires detailed proof that supports both liability and damages.
This can include:
- medical records that show the extent of your injuries
- expert opinions that explain long-term impact
- documentation of lost income and future limitations
- accident reconstruction in complex cases
This information must be organized into a clear and supported claim that can withstand pushback from the insurance company.
Mistakes Early in the Process Can Reduce Your Claim
Small decisions can have a lasting effect on your case.
For example:
- giving a recorded statement without preparation
- accepting a quick settlement before treatment is complete
- delaying medical care
- failing to document symptoms and recovery
These issues can lower the value of a claim or create gaps that insurers use against you. Addressing these issues early helps keep the case on track.
Your Claim Should Reflect the Full Impact of the Crash
A settlement should account for more than immediate costs. It should reflect how the accident affects your life over time.
This includes:
- ongoing medical treatment
- reduced ability to work
- long-term pain or limitations
- emotional impact
These factors should be evaluated as part of the full scope of your losses.
Why Houston Car Accident Cases Are Different
Not every accident claim follows the same pattern. Houston presents unique conditions that affect how crashes happen and how claims are handled. Traffic volume, road design, and driver behavior all play a role in how accidents occur and how fault is evaluated.
Houston also sees a high volume of collisions across major highways and dense urban corridors. In Harris County, claims often involve multiple vehicles, conflicting accounts, and drivers with limited insurance coverage. Understanding these factors helps build a stronger claim from the start.
Heavy Traffic Increases Risk
Houston is one of the largest cities in the country. Daily traffic congestion creates constant pressure on drivers.
Stop-and-go traffic, sudden lane changes, and long commute times increase the chance of:
- rear-end collisions
- multi-vehicle crashes
- aggressive driving incidents
These patterns often lead to disputes about who caused the accident.
Major Highways Create High-Impact Collisions
Houston drivers rely on major roadways such as:
- I-10
- I-45
- Loop 610
- Beltway 8
These roads carry high speeds and dense traffic. When accidents happen, injuries are often more severe.
Speed, traffic flow, and road conditions all matter when evaluating how these crashes happen.
Uninsured and Underinsured Drivers Are Common
Many drivers in Houston carry minimal coverage or no insurance at all.
This creates challenges when:
- the at-fault driver cannot cover damages
- claims must go through uninsured motorist coverage
- disputes arise over available policy limits
These cases often require a close review of all available sources of recovery.
Local Insurance Practices Can Affect Your Claim
Insurance companies adjust claims based on regional patterns. In Houston, adjusters often expect:
- high traffic-related claims
- disputed liability in multi-car accidents
- large medical bills tied to serious injuries
These expectations can influence how offers are made and how aggressively claims are challenged.
A car accident attorney in Houston understands how these cases are evaluated locally and prepares accordingly.
Harris County Claims Can Involve Complex Liability Issues
Urban accidents often involve multiple factors:
- several drivers
- conflicting witness statements
- unclear fault at intersections or merges
These details can shift how responsibility is assigned.
Careful review of the evidence helps clarify liability and strengthen the case.
Common Causes of Car Accidents in Houston
Car accidents often happen for predictable reasons. Understanding these causes helps explain how crashes occur and how fault is assigned.
Many cases follow the same patterns. Identifying the cause early helps clarify liability.
Distracted Driving
Distracted driving is one of the most common causes of crashes.
Drivers may:
- text or use a phone
- adjust navigation or music
- eat or look away from the road
Even a short distraction can lead to serious accidents, especially in heavy traffic.
Drunk Driving
Alcohol affects reaction time, judgment, and coordination. Drivers under the influence often fail to:
- maintain lane position
- judge distance correctly
- respond to traffic changes
These cases often involve clear negligence, but they can still require strong evidence to prove full liability.
Speeding
Speed reduces the time a driver has to react. It also increases the force of impact.
Speeding-related crashes often result in:
- severe injuries
- multi-vehicle collisions
- loss of vehicle control
A car accident attorney in Houston may use crash data and expert analysis to show how speed contributed to the accident.
Fatigue
Fatigued drivers can behave like impaired drivers. They may:
- lose focus
- react slowly
- fall asleep at the wheel
Long commutes and shift work in Houston can increase this risk.
Weather Conditions
Rain and wet roads can reduce traction and visibility. Drivers who fail to adjust their speed or following distance may cause preventable crashes.
Weather-related accidents often raise questions about driver responsibility and safe driving behavior.
Inexperienced or Careless Driving
Some accidents involve drivers who lack experience or ignore traffic rules.
This can include:
- unsafe lane changes
- failure to yield
- running red lights or stop signs
As experienced Houston car accident lawyers, we know that most accidents are not random. They result from clear driving behaviors and decisions, and identifying the cause helps show how and why the crash happened.
Types of Car Accident Cases We Handle
Not every accident follows the same pattern. The type of crash affects how fault is proven, how injuries are evaluated, and how a car accident claim should be built.
Rear-End Collisions
Rear-end crashes are common in Houston traffic. These accidents often happen in stop-and-go conditions or on busy highways.
While fault may seem clear, insurers sometimes argue:
- the lead driver stopped suddenly
- there was shared responsibility
- injuries are minor
Vehicle damage, traffic flow, and impact details often help clarify how the crash happened.
T-Bone Accidents
T-bone accidents usually occur at intersections. One driver fails to yield or runs a red light, causing a side-impact crash.
These cases often involve:
- conflicting driver statements
- limited witness accounts
- disputes over traffic signals
Traffic data, camera footage, and witness evidence can help establish fault.
Head-On Collisions
Head-on crashes often result in severe injuries due to the force of impact.
These accidents may involve:
- wrong-way driving
- impaired drivers
- loss of vehicle control
These high-impact cases require close attention to liability and the full extent of the injuries.
Multi-Vehicle Accidents
Multi-vehicle crashes are common on major Houston highways. These cases can involve several drivers and multiple insurance policies.
Challenges may include:
- chain-reaction collisions
- shared fault between drivers
- complex insurance coverage issues
Each step of the crash has to be analyzed carefully to determine how liability is divided.
Rideshare Accidents
Accidents involving Uber or Lyft add another layer of complexity. Coverage depends on whether the driver was:
- waiting for a ride
- en route to pick up a passenger
- actively transporting a passenger
These cases require close review of the rideshare coverage that applies at the time of the crash.
Commercial Vehicle Accidents
Crashes involving delivery trucks or company vehicles may involve corporate liability.
These cases can require:
- driver employment records
- vehicle maintenance logs
- company policies and oversight
These cases often require investigation of both the driver and the company to identify all responsible parties.
Wrongful Death Cases
Some accidents result in loss of life. These cases focus on both financial and emotional impact on surviving family members.
Claims may include:
- loss of income and support
- funeral expenses
- loss of companionship
These cases require careful documentation and a clear understanding of the long-term impact on the family. Each type of accident requires a different approach.
Common Car Accident Injuries
Injuries after a crash can vary widely. Some appear right away. Others develop over time and become more serious in the days or weeks that follow.
When injuries are underestimated early, both medical care and the value of the claim can be affected. Understanding common injuries helps you recognize symptoms and document your condition properly.
Whiplash and Soft Tissue Injuries
Whiplash is one of the most common injuries in car accidents. It often results from sudden back-and-forth movement of the neck.
Symptoms may include:
- neck pain and stiffness
- headaches
- limited range of motion
These injuries may not appear immediately, but they can worsen without treatment.
Spinal Injuries
Spinal injuries can affect mobility and long-term health. Even moderate injuries may lead to ongoing pain or limited movement.
More serious cases may involve:
- herniated discs
- nerve damage
- partial or full paralysis
These injuries often require close review of the long-term medical impact.
Traumatic Brain Injuries (TBI)
Head injuries can occur even without direct impact. Sudden movement during a crash can cause the brain to shift inside the skull.
Symptoms may include:
- confusion or memory loss
- headaches
- dizziness
- changes in mood or behavior
These injuries can affect daily life and may require ongoing care.
Broken Bones and Fractures
Fractures become more common as the severity of a crash increase. The force of the collision can cause ractures in arms or legs, rib injuries, and joint damage. These injuries often require involve surgery, physical therapy, and time away from work.
Internal Injuries
Because the injuries are internal, they aren’t visible immediately. Organ damage and internal bleeding quickly become life-threatening if you don’t catch them early enough. That’s why we encourage people to get medical evaluations as soon as possible after the accident.
Emotional and Psychological Injuries
Injuries aren’t always physical, and psychological trauma is a perfectly normal response that manifests as anxiety, stress, or difficulty being in a vehicle. These may sound small to some, but they have a real impact on daily routines and your quality of life.
That’s why we include them as damages in your claim. Like physical injuries, PTSD can grow over time. Clear documentation of your diagnosis and treatment help your Houston car accident lawyer fully represent your condition and losses in your settlement.
How Much Is Your Houston Car Accident Claim Worth?
Car accident claims involve several factors, and each of these has an impact on the settlement amount. No two cases are the same, and they don’t follow the same path. The details of your case shape the outcome.
This is why Houston car accident lawyers evaluate claims by looking at the immediate and potential losses you face. People tend to focus on the bills, and insurance companies follow that track as well, but a holistic claim looks at your current and future expenses.
Medical Bills and Expenses
Medical expenses tend to be the largest section of your claim. These costs include emergency care, stays in the hospital, follow-up treatment, physical therapy, and medication. However, severe injuries often require long-term treatment, so it’s important to include current bills while also evaluating future needs and costs.
Lost Income and Work Impact
Your injuries have a real impact on your quality of life and your daily life. For some people, this means missing work or even completely losing a source of income. Damages related to work can include:
- lost wages
- reduced earning ability
- missed business opportunities
Ideally, your claim is comprehensive and holistic, looking at what you’ve lost already and the changes to your earning potential.
Pain and Suffering
Not all losses are financial. Pain, discomfort, and reduced quality of life also matter.
These damages may reflect:
- ongoing physical pain
- limited mobility
- emotional stress
- disruption to daily routines
A car accident lawyer in Houston builds evidence to show how the injury affects your life beyond medical bills.
Property Damage
Vehicle damage is part of most claims. Repair or replacement costs are usually easier to calculate, but disputes can still arise over value.
Documentation helps support these losses.
What Can Increase the Value of a Claim
Some factors strengthen a case and lead to higher compensation:
- clear liability supported by evidence
- consistent medical treatment
- documented injuries and recovery
- expert opinions on long-term impact
Strong documentation creates stronger leverage during negotiation.
What Can Lower the Value of a Claim
Insurance companies look for reasons to reduce payouts. Common issues include:
- gaps in medical treatment
- delayed care after the accident
- limited documentation
- statements that suggest shared fault
These issues can affect the outcome if they are not addressed early. Working with an auto accident lawyer in Houston early helps avoid these problems.
Why Early Settlement Offers Are Often Low
Insurance companies often make quick offers. These offers may seem helpful, but they rarely reflect the full value of a claim.
Early offers may:
- exclude future medical costs
- underestimate long-term impact
- ignore pain and suffering
Once you accept a settlement, you usually cannot request more later.
These offers should be compared to the full value of the case before any decision is made.
Texas Car Accident Laws That Affect Your Case
Car accident claims in Texas follow specific legal rules. These rules shape how fault is assigned, how compensation is calculated, and how long you have to act. Understanding these laws helps you avoid mistakes and protect your claim.
Texas Is an At-Fault State
Texas uses an at-fault system. The driver who caused the accident is responsible for damages.
This means you can:
- file a claim with the at-fault driver’s insurance
- pursue compensation through your own policy in some cases
- take legal action if needed
Insurance companies will review evidence to decide fault.
Modified Comparative Fault Rule
Texas follows a modified comparative fault rule.
This rule means:
- you can recover damages if you are less than 51% at fault
- your compensation is reduced by your percentage of fault
Example: If you are 20% at fault, your total compensation is reduced by 20%.
Insurance companies often try to shift blame to lower what they pay. Evidence and case strategy matter when fault is disputed.
Statute of Limitations
Texas law limits how long you have to file a claim. In most cases, you have two years from the date of the accident to file a lawsuit
If you miss this deadline, you may lose your right to recover compensation. A car accident lawyer in Houston TX tracks deadlines and ensures your case moves forward on time.
Minimum Insurance Requirements in Texas
Texas requires drivers to carry minimum liability insurance:
- $30,000 for injury per person
- $60,000 per accident
- $25,000 for property damage
These limits may not cover serious injuries. Many accidents result in damages that exceed basic coverage. A Houston car accident attorney looks for additional sources of recovery when insurance limits fall short.
Uninsured and Underinsured Drivers
Some drivers carry little or no insurance. This creates challenges when you need compensation.
In these cases, your claim may involve:
- uninsured motorist coverage
- underinsured motorist coverage
- disputes with your own insurance company
All available policies should be reviewed carefully when coverage gaps exist.
Government Liability Cases
Some accidents involve government vehicles or unsafe road conditions.
These cases follow different rules, which means they may require shorter deadlines and special notice requirements. Liability is also harder to prove in these cases because they require close review of whether a government entity may be involved and what additional legal steps apply.
Understanding these laws gives you a stronger position from the start. Legal rules do not just affect paperwork. They influence how insurance companies evaluate your claim and how compensation is calculated.
How Long Does a Car Accident Case Take?
Some claims resolve in a few months while others take longer because liability is disputed or injuries require extended care. Many people expect a quick payout, but the reality is that a strong case takes time to build.
Quick Settlements vs. Full-Value Claims
Some cases settle early. These are usually situations where:
- fault is clear
- injuries are minor
- medical treatment is short
However, early settlements often come with lower compensation.
It usually makes sense to wait until:
- treatment is complete or stable
- the full cost of care is known
- future impact can be evaluated
This approach helps avoid settling for less than the case is worth.
What Affects the Timeline of a Case?
Every case follows a different path, but usually the timeline often depends on a few factors.
- Severity of injuries: Serious injuries require longer treatment, and this delays settlement but strengthens the claim.
- Disputes over fault: When drivers disagree about what happened, the case takes more time to investigate.
- Case response and document review: Occasionally, records, evidence, and liability questions require more in-depth review.
- Amount of damages: Higher-value claims often involve extensive review and negotiation.
The Stages of a Car Accident Claim
- Investigation: Collecting evidence, including reports, records, and witness statements.
- Medical treatment: You receive care and document your recovery.
- Demand and negotiation: We send a demand letter to the insurance company, and negotiations begin.
- Settlement or lawsuit: The case either settles or moves into litigation.
We manage each stage carefully so the case keeps moving forward.
When Does a Case Go to Court?
When the insurer refuses to offer a fair settlement, we may decide to file a lawsuit.
This can extend the timeline due to court schedules, discovery and evidence exchange, depositions, and expert testimony.
How Patience Improves Your Outcome
Rushing a claim often benefits the insurance company. Taking time allows your case to capture total losses from the accident.
This includes:
- complete medical documentation
- clear evidence of fault
- accurate calculation of damages
The goal is not just to resolve the case quickly, but to resolve it correctly.
How Insurance Companies Try to Reduce Your Claim
Insurance companies handle claims every day. Their goal is to limit how much they pay. These strategies can affect a claim early, often before the full value of the injuries is clear.
Understanding how insurers approach claims helps you protect your position from the start.
Recorded Statements Can Be Used Against You
After a crash, an adjuster may ask for a recorded statement. This request can seem routine, but it carries risk.
They may ask questions that:
- lead you to downplay your injuries
- create confusion about how the accident happened
- suggest partial fault
Even simple answers can be taken out of context later. Recorded statements should be handled carefully.
Quick Settlement Offers Are Often Too Low
Insurance companies often move fast after an accident. They may offer a settlement before your treatment is complete.
These early offers may:
- exclude future medical care
- ignore long-term impact
- undervalue pain and suffering
The goal is to close the claim before the full cost is clear.
Once a settlement is accepted, you usually cannot reopen the case. These offers should be reviewed carefully before any decision is made.
Disputes Over Fault Can Reduce Compensation
Even when an accident seems straightforward, insurers may look for ways to reduce their payout. One tactic is to claim that you share responsibility for the accident, saying you reacted too slowly or contributed to the crash in some way.
Their goal is simple: If you share fault, they don’t have to pay as much because Texas law says that partial fault reduces how much you receive.
Injuries May Be Minimized or Questioned
Insurance companies go through medical records line by line. They don’t just look at what’s there. They look for what doesn’t line up. Treatment, prior injuries, how recovery unfolds over time.
Gaps in care can become an issue pretty quickly.
Delays Are Used to Create Pressure
Sometimes insurance adjusters move slowly by design. They might use the delays to increase your financial pressure so that you feel like you can’t wait. Here are some common tactics:
- slow response times
- repeated requests for documents
- lengthy review periods
When you have a Houston car accident lawyer on your side, you have an advocate to push back so that the company acts quickly.
Notable Car Accident Settlements
Case results don’t follow a single pattern. Straightforward cases focus on what actually happened at the scene while others shift because of the injuries or how the records come together over time.
Preparation still plays a role as well as the details: what’s documented, what’s missing, and how the claim develops as more information comes in.
Here are a few examples from different types of cases:
Multi-Vehicle Freeway Collision
A client was injured in a chain-reaction crash on a major Houston highway. Several drivers were involved, and fault was disputed early.
The case required:
- detailed review of the crash sequence
- coordination with multiple insurance carriers
- analysis of vehicle damage and impact points
After building a clear timeline of events, liability was established and the case resolved with a settlement that covered medical care, lost income, and ongoing treatment needs.
Intersection T-Bone Accident
A driver suffered significant injuries after another vehicle ran a red light at a busy intersection.
The insurance company initially questioned liability and the severity of injuries.
The case focused on:
- traffic signal timing and right-of-way
- medical records and treatment progression
- witness statements
The claim resulted in a settlement that reflected both immediate medical costs and long-term impact.
Rear-End Collision With Delayed Injury Symptoms
A client was involved in a rear-end accident and did not feel severe pain right away. Symptoms developed over time, leading to extended treatment.
The insurer argued that:
- the injuries were minor
- the delay in treatment reduced claim value
The case required us to preserve medical documentation, gather expert input on the delayed onset of the injury, and establish a clear connection between the crash and symptoms.
The resulting settlement accounted for treatment costs, time away from work, and ongoing recovery.
Frequently Asked Questions
How much does it cost to hire a car accident lawyer?
Most car accident lawyers use a contingency fee, meaning there’s no upfront payment. The attorney fees comes out of the settlement or award if the claim is successful, and the rest goes directly to you.
What if I was partly at fault for the accident?
Texas uses a percentage system for fault called modified comparative fault. That number gets applied to the final result, but once it crosses 50%, the claim usually stops there.
Should I talk to the insurance company after an accident?
You can report the crash because that part is expected. It’s the follow-up that makes the situation tricky. The problem is when they ask about the extent of your injuries or how you would describe the crash. These statements are what give people trouble, but you can refer them to your attorney if you have representation.
How long do I have to file a car accident claim in Texas?
Typically, you have two years from the date of the crash to file a claim. There are some exceptions, but this statute of limitations applies to the majority of accidents.
What if the other driver does not have insurance?
The best option then would be to file on your own insurance, which depends on your uninsured or underinsured motorist coverage. The claims goes through your policy, and they review it under the same process.
What should I do if my car is totaled?
Insurance companies usually look at what the vehicle was worth before the crash, but that number isn’t always settled right away. It depends on the condition of the car, mileage, and the value of comparable vehicles.
What if my injuries get worse over time?
One of the reasons early settlement offers are so risky is that you don’t always know the extent of your injuries. Certain injuries worsen or develop in the days or weeks following the accident.
Contact Our Houston Car Accident Lawyers Today
The team at Universal Law Group knows how to help people after a serious car accident. We know how quickly a crash can affect your health, your work, your finances, and your sense of stability. Our job is to step in, protect your claim, and fight for the compensation you deserve.
We are prepared to give your case the time, attention, and legal skill it needs. That includes investigating the crash, dealing with the insurance company, and helping you pursue the medical care and financial recovery needed to move forward. Our goal is simple: to help you recover while we take as much stress as possible off your shoulders. We want to help you and your family regain a sense of stability after a serious collision.
You owe us nothing unless we recover compensation for you through a settlement or verdict. Your initial consultation is free, confidential, and comes with no obligation.
Contact Universal Law Group today for a free case evaluation. Call us now at (832) 767-0339 or fill out our online form to speak with a Houston car accident lawyer about your next steps.