Many Texas motorists will experience a car accident at some point during their lives. After making sure that anyone injured in the accident has received medical attention, drivers should exchange information and notify local law enforcement. Drivers should also obtain insurance information from each other and notify their own insurance company as soon as possible.
The time limit for reporting car accidents to insurance companies varies according to the insurance company's procedures. While there may be state laws about immediate reporting an accident to police when the accident involves property damage or injuries, requirements for insurance companies are not as strictly regulated.
It is a good idea to immediately report an accident to all insurance companies involved except in limited circumstances. If the accident only involved a single car and the costs of repairs is expected to be less than the deductible, it may not be necessary to report it. However, the accident caused damage to another person's property, the accident should be reported since the driver may be held liable for any damage.
Another important factor to take into account is the relevant statute of limitations applicable to personal injury lawsuits. People who havre been harmed in a collision that was the fault of another driver have a specified period of time to file a lawsuit. Statistics have shown that most motor vehicle accidents are the result of human behavior, such as driving while distracted by a cellphone or another device, speeding, or getting behind the wheel after having had too much to drink. A personal injury attorney could assist a victim of such an accident by seeking a settlement from the at-fault motorist's insurance company.