How to get insurance to pay for car damage in Texas

How to get insurance to pay for car damage in Texas

As a driver involved in a car accident, dealing with insurance companies and determining fault can be complicated and frustrating. However, understanding your rights and taking proper steps will help ensure you receive fair compensation for vehicle damage. This article provides guidance for Texas residents on how to file an insurance claim, negotiate with adjusters, and potentially pursue legal action. While insurance companies aim to limit payouts, you should not feel pressured into accepting an unfair settlement. By following the correct procedures and staying determined, you can get the insurance coverage you deserve. A Texas Car Accident Lawyer can help you get started. 

Document the Accident Scene in Texas

To receive compensation for vehicle damage in an accident in Texas, you must properly document the scene.

First, call the police and report the accident. Request that an officer come to the scene, examine the vehicles involved, and file an official police report. Be sure to get the report number for your records and claim.

Next, exchange information with the other driver(s), including name, address, phone number, insurance details, driver's license number, license plate number, and vehicle make and model. Additionally, collect contact information from any witnesses.

Then, photograph the accident scene, damage to all vehicles, the location of the vehicles, and the surrounding area. Take pictures from multiple angles. Also photograph the license plates of the vehicles involved. These visual records will support your insurance claim and help demonstrate who is at fault.

Finally, do not admit fault or sign any statements of responsibility. Allow the insurance companies and authorities to properly assess blame. Anything you say or sign at the scene could weaken your ability to recover costs.

By following these steps - contacting the police, exchanging details with other parties, collecting witness information, thoroughly photographing the scene, and avoiding claims of responsibility - you will have the necessary documentation and evidence to file a comprehensive insurance claim and receive fair compensation for the damages to your vehicle. With patience and the proper records, you can successfully navigate an accident claim in Texas.

Get a Police Report for Your Texas Car Accident

To get insurance companies to pay for damages to your vehicle after an accident in Texas, obtaining a police report is critical. ###

A police report provides official documentation of the details of your accident. It includes information such as the date, time and location of the collision, identification of the drivers and vehicles involved, as well as a diagram of how the accident occurred. This helps establish fault and liability, which is necessary for insurance claims and potential legal action.

You should call 911 to report the accident as soon as it happens. Provide the dispatcher with your location and request that an officer comes to the scene. When the police arrive, report the facts of the incident to them in an honest, unbiased manner. Ask the other driver(s) and any witnesses to also provide their account of events to ensure the police report is accurate.

Be sure to get the police report number and contact details for the responding officer. You will need to obtain a copy of the full report for your insurance company and to support your claim. Some police departments allow you to request a copy on their website, while others require you to go to the station in person.

With an official police report in hand documenting how the collision occurred, who was at fault, and details of the damage, you will have the necessary evidence to file a comprehensive claim with the appropriate insurance providers. Referring to the facts in the report, explain to your insurance company, as well as the other driver's if needed, exactly what happened and the monetary value of damages to pursue compensation.

A police report is a crucial piece of documentation after an auto accident. Be sure to get one when a collision occurs to help establish fault and get insurance companies to pay for repairs or the total loss of your vehicle. Following the proper steps can help streamline the claims process and get you back on the road again.

Contact Your Insurance Provider About the Car Damage

Once you've assessed the damage to your vehicle, contact your insurance provider as soon as possible to file a claim.

Notify Your Insurance Provider

Call your insurance agent or company's claims hotline to report the incident that caused damage to your car. Be prepared to provide details about what happened, including:

  • The date, time, and location of the incident
  • Information about any other vehicles or parties involved
  • Photos of the vehicle damage, if possible
  • Estimates for repair or replacement costs from auto body shops (if you have them)

Your insurance provider will open a claim file and may send an adjuster to inspect your vehicle in person. Cooperate fully with the adjuster and provide any additional details needed to properly assess your claim.

Request a Rental Car

Ask your insurance provider about coverage for a rental vehicle while your car is being repaired. Most policies include rental reimbursement for a certain number of days. Provide the adjuster with estimates from local rental car companies regarding the daily and total cost for a comparable rental vehicle. Your insurance provider will determine how much of the rental cost they will cover under your policy.

Receive Claim Settlement

Once the claim has been processed and the amount of damages determined, your insurance provider will issue payment, either directly to you or to the auto repair shop of your choice. For larger claims, they may issue an initial partial payment with the remaining balance paid upon completion of repairs. Ensure the final settlement amount adequately covers the cost of parts and labor before authorizing repairs to proceed.

Following these steps carefully and providing thorough details about your claim will help maximize the settlement from your insurance provider and get your vehicle back on the road as quickly as possible. Be polite yet persistent, and don't hesitate to ask questions if there are any issues with your claim.

Texas Car Accident FAQ

If you've been in a car accident in Texas, you likely have questions about the claims process and how to get the other driver's insurance to pay for damages. Here are some of the most frequently asked questions regarding car accidents and insurance claims in Texas:

What should I do after an accident?

  • Pull over immediately and call 911 to report the accident. Get medical attention if anyone is injured.
  • Exchange insurance information and driver's license details with the other driver(s).
  • Get the contact information of any witnesses.
  • Take photos of the vehicles, licenses plates, and the accident scene.

When do I need to contact the insurance companies?

You should notify both your insurance company and the other driver's insurance company as soon as possible after the accident, ideally within 24 hours. Provide details about the incident including time, location, vehicles, drivers, passengers, witnesses, etc.

What if the other driver does not have insurance?

If the other driver is uninsured, you will need to file a claim through your own insurance company. Your insurer may pay for damages, then attempt to recover costs from the uninsured driver. You may also be eligible for compensation through the Texas Uninsured Motorist Fund.

Consult with a personal injury attorney to better understand your legal rights and options for pursuing a fair settlement. While the claims process can be complicated, following the proper steps and procedures will help ensure you receive compensation for damages from the responsible party.

Negotiate a Fair Settlement for Your Car Repairs

Once you have obtained repair estimates from qualified body shops, it is time to negotiate a fair settlement with the at-fault driver’s insurance company. The insurance adjuster will review the estimates and determine an amount they believe fairly compensates you for the necessary repairs. However, their initial offer may not actually cover the full cost. You have the right to negotiate for a higher, more reasonable amount.

Provide Documentation

Supply the insurance company with copies of the repair estimates from multiple body shops. Explain how the shops were selected and their qualifications. Documentation substantiating the repair costs will strengthen your position.

Argue for OEM or Like Kind and Quality Parts

Insurance companies often want to use cheaper aftermarket parts to save money. However, you are entitled to OEM parts that will restore your vehicle to its pre-accident condition. Aftermarket parts may not fit as well or last as long. Politely but firmly insist on OEM or like kind and quality parts.

Negotiate from a Position of Strength

Do research on typical repair costs for your vehicle make, model, and year. Check recent sales of comparable vehicles in your area to determine your car’s fair market value. Approach the negotiation with confidence, armed with facts and evidence to support your position. Start with a reasonable counteroffer, rather than accepting the initial settlement.

Consider Other Costs

In addition to the repair bill, you may be entitled to compensation for diminished value, loss of use, towing fees, and rental car expenses. Diminished value refers to the loss in resale value due to the vehicle's accident history. Loss of use covers the time you were without your vehicle. Be prepared to provide receipts and records to claim these additional costs.

Get a Second Opinion

If needed, you can hire an independent appraiser to evaluate the necessary repairs and costs. Their expert opinion may prompt the insurance company to increase their settlement offer. As a last resort, you may need to pursue legal counsel regarding your rights and options for recovering full compensation. However, litigation should only be considered when negotiations have completely stalled.

In summary, conducting research, documenting costs, arguing persuasively, and negotiating from a position of strength are the keys to obtaining a fair insurance settlement for repairs to your vehicle. Do not simply accept the initial offer—you owe it to yourself to push back and fight for the maximum amount you are rightfully due under the law.

Call A Texas Car Accident Lawyer At Fletcher Law

Once the dust has settled from your accident, you’ll want to get in touch with the at-fault driver’s insurance company to file a claim for the damages to your vehicle. However, insurance companies are businesses, and their goal is to pay out as little as possible on claims. If you try to handle things on your own, you may end up with a lowball settlement that won’t fully cover the cost of repairs or the value of your totaled car.

Call A Texas Car Accident Lawyer

To level the playing field, call an experienced auto accident attorney in Texas for help. A lawyer who specializes in car crash cases knows the tactics insurance companies use and has experience negotiating fair settlements. They can handle the entire claims process for you, dealing with phone calls, paperwork, and back-and-forth negotiations so you can focus on recovering from your injuries.

With an attorney on your side, the insurance company will know they can’t take advantage of you. Your lawyer will gather evidence like photos of the vehicles, medical records, and witness statements to build a strong case. They will determine the full amount owed for your vehicle based on factors like the make, model, year, mileage, and condition before the wreck. If negotiations fail, your attorney can file a lawsuit to get you the maximum compensation.

Using a reputable law firm gives you the best chance of recovering damages for your totaled or repaired vehicle. An initial consultation is often free, and most car accident lawyers work on contingency, meaning you pay nothing upfront and they only get paid if they win your case. Having an advocate in your corner can relieve the stress of dealing with insurers and help you get back on the road again.


As you can see, the laws in Texas require insurance companies to properly investigate claims and pay for damages caused in an auto accident. However, insurance companies are businesses and their goal is to minimize costs. So you as the claimant need to understand your rights, gather evidence, get a proper assessment of damages, and be willing to push back if they deny or underpay your claim. While the process can be frustrating, if you follow the steps outlined and work with experienced professionals, you have a good chance of getting fair compensation for the damage to your vehicle. The most important things are staying calm, knowing your rights, and not accepting an unfair settlement. With patience and perseverance, you can get the insurance company to do the right thing.Contact Fletcher Law’s Texas Injury Lawyers for help today.