Should I Talk to the Insurance Company After a Car Accident in San Antonio, TX?

San Antonio is the third-largest city in Texas, with some of the busiest roads in the state. Routes like I-35 and Loop 1604 experience more than backups; they also see many crashes. San Antonio had more than 40,000 crashes in 2023 that seriously injured 612 people, often leaving victims unable to work and pay for their medical treatments.

Many accident victims make the mistake of thinking the insurance company is their solution. The Central Texas lawyers at Carabin Shaw advise victims to seek professional legal help to maximize compensation for their injuries and losses. We protect accident victims’ rights and negotiate with insurance companies to ensure a fair settlement. Contact us 24/7 for a free case review in Spanish or English at 800-862-1260.

Texas law requires motorists involved in a car crash to contact police if the accident involved a fatality, injuries, or more than $1000 in damages. Police create an accident report you can use to build your case. Next, seek medical treatment to document your injuries and contact your insurance company. Since Texas is an at-fault state, you must also call the insurance provider for the party that caused the accident.

Although contacting insurance companies is necessary, you can decide what information to share with them. Understand the insurance company is a for-profit organization that will protect its bottom line above your best interests, so it is vital to avoid speaking to the other party’s agency without a lawyer. These dos and don’ts help you provide the basic information without hurting your case.

The only information you are required to share with the insurance company is your name, contact information, and the time and location of the accident. The insurance company may ask many questions about the accident and your injuries, but you do not have to provide any of this information immediately.

Photos, videos, and witness statements are all key to building a strong case. Seek medical attention immediately, even if you don’t think your injuries are serious. Your attorney will use the evidence you collect and medical documentation for your injuries to prove fault and maximize your damages.

The best way to protect your interests and rights is to immediately consult with a personal injury lawyer who will advise you on the next steps and handle the details of your case. Your legal professionals are familiar with insurance companies' methods to reduce or deny claims and will ensure you receive a fair settlement based on your circumstances.

An insurance company may show concern for your injuries, but they are likely looking for you to minimize the harm so they can use that to reduce your claim. Never talk about your injuries before seeking medical treatment. Wait for a doctor to document your injuries before sharing any information.

An admission of fault for the accident or even an apology to the other driver can cause an insurance adjuster to deny your claim. Even if you contributed to a crash in San Antonio, Texas, you can file a claim if your portion of the fault is less than 50% under Texas’s proportionate responsibility principle. Let your legal team determine accident fault and hold responsible parties liable.

Insurance companies often entice accident victims with a quick cash settlement that may seem substantial. However, these initial offers are usually a tiny portion of what your legal team can negotiate for you. You are not obligated to accept the first settlement offered; in most cases, this offer isn't sufficient to cover your expenses and losses.

Carabin Shaw’s San Antonio lawyers protect the interests of accident victims by negotiating with insurance companies for a fair settlement. We offer our services on a contingency-fee-basis, so you don’t pay any money upfront, and our client reviews attest to our ability to maximize damages. Contact us toll-free now at 800-862-1260. You deserve justice.

For more information:

• TX DoT
• Texas Statutes 550
• Texas Statutes 33