After a car accident in Bryan–College Station, Texas, your first priorities are safety, documentation, and compliance with state law. Check for injuries, call 911, exchange information, and record evidence. Seek medical attention, notify your insurer, and understand your rights under Texas law.
Step 1: Check for Injuries and Ensure Safety
Your safety and the safety of others come first. If anyone appears injured or unresponsive, call 911 immediately. In Bryan–College Station, serious accidents are handled by local law enforcement—College Station Police or Bryan Police—alongside emergency medical services.
- Move vehicles to a safe location if possible.
- Turn on hazard lights and stay out of traffic.
- Render reasonable aid to anyone injured.
Leaving the scene of a crash involving injury or death can result in serious criminal penalties under Texas Transportation Code §550.021. Always remain on-site until you’ve fulfilled your legal duties.
Step 2: Report the Accident
Under Texas Transportation Code §550.026, drivers must immediately report any collision that causes injury, death, or property damage rendering a vehicle undrivable.
When an officer investigates, they file a CR-3 Crash Report with the Texas Department of Transportation (TxDOT) within ten days. You can request a copy later through TxDOT’s Crash Records Information System (CRIS) for your insurance or claim.
If the police are not called, you should still document the crash thoroughly—take photos, gather witness names, and write down everything you remember.
Step 3: Exchange Information
Texas law requires all involved drivers to share key details:
- Full name, address, and driver’s license number
- License plate and vehicle registration
- Insurance company name and policy number
Avoid admitting fault or speculating about what happened. Keep communication factual and brief—fault determinations are made after a full review of evidence.
Step 4: Document the Scene
Accurate documentation helps protect your rights and strengthen insurance claims.
- Take photos of vehicle positions, damage, debris, skid marks, street signs, and weather conditions.
- Record videos if safe, showing the overall scene.
- Gather witness statements or at least contact details.
- Write down your recollection while it’s still fresh—speed, lane position, and direction of travel.
If possible, check whether nearby businesses or traffic cameras captured footage.
Step 5: Seek Medical Attention
Even if you feel “fine,” get checked by a doctor. Some injuries—like concussions, whiplash, or soft tissue damage—can appear hours or days later.
Prompt evaluation helps two ways:
- Protects your health.
- Creates an official record linking your condition to the accident.
Keep all medical records, bills, prescriptions, and receipts. They are critical for any insurance or legal claim.
Step 6: Notify Your Insurance Company
Texas operates under an at-fault system, meaning the driver responsible for the crash (and their insurer) must cover damages. Still, your own insurer needs prompt notice.
Typical Texas insurance coverage includes:
- Liability coverage: Minimum of $30,000 per person, $60,000 per accident, and $25,000 for property damage (the “30/60/25” rule).
- Personal Injury Protection (PIP): Covers medical costs and some lost wages, unless rejected in writing.
- Uninsured/Underinsured Motorist (UM/UIM): Applies when the at-fault driver has no or insufficient coverage, also unless rejected in writing.
When contacting your insurer, provide factual information but avoid recorded statements until you understand your policy’s terms.
Step 7: Understand Fault and Comparative Negligence
Texas follows a modified comparative fault system under Texas Civil Practice and Remedies Code §33.001. This means:
- If you are 50% or less at fault, you can still recover damages, but they are reduced by your percentage of fault.
- If you are more than 50% at fault, you typically cannot recover.
For example, if you are found 20% responsible for an accident and your damages total $100,000, your compensation would be reduced to $80,000.
Accurate documentation—photos, police reports, and witness statements—helps establish the true percentage of fault.
Step 8: Be Aware of Deadlines
Texas Statute of Limitations
Most car accident injury claims in Texas must be filed within two years from the date of the accident, according to Texas Civil Practice and Remedies Code §16.003.
If you miss this deadline, you may lose the right to file a lawsuit. Claims against government entities often have shorter notice periods, sometimes as little as six months.
Insurance Deadlines
Your insurance policy likely requires “prompt” or “immediate” notice. Delay can jeopardize your coverage.
Step 9: Keep Detailed Records
Organization is your best ally after an accident. Maintain a folder—digital or physical—containing:
- Crash report and case number
- Medical records, bills, and prescriptions
- Repair estimates and towing receipts
- Photos and witness information
- Correspondence with insurance companies
Track how your injuries affect your daily life—pain levels, time off work, or missed family events. This documentation can be powerful evidence if you seek compensation.
Step 10: When to Consider Legal Assistance
Dealing with insurance companies after a crash can be overwhelming. An experienced Bryan–College Station personal injury attorney can:
- Investigate your case and collect evidence
- Handle communication with insurers
- Assess the full value of your damages
- Negotiate for fair compensation
- Ensure deadlines and legal procedures are met
The attorneys at Rhodes Humble LLP have deep local roots and extensive experience representing car accident victims throughout Texas. Their personal injury practice includes motor vehicle, trucking, and pedestrian accidents.
They understand the challenges victims face—medical expenses, missed work, and emotional distress—and work tirelessly to help clients rebuild their lives.
Common Questions After a Car Accident
Do I have to call the police for every accident?
If there are injuries, deaths, or significant property damage, yes—Texas law requires it. For minor fender-benders, it’s still wise to file a report if there’s any dispute about fault or damage.
What if the other driver leaves the scene?
That’s considered a hit-and-run and should be reported immediately. If you have UM/UIM coverage, it may help pay for your losses.
How long do I have to report the accident to my insurance company?
Policies differ, but most require notice “as soon as possible.” Don’t delay.
What if I was partly at fault?
You can still recover damages if your share of fault is 50% or less. However, the amount will be reduced based on your contribution.
Why Acting Quickly Matters
Acting fast protects your rights. The longer you wait, the harder it becomes to gather solid evidence and prove your case. Delays can also hurt your credibility and reduce settlement offers.
Early medical care, prompt documentation, and professional legal help are essential in building a strong case for compensation.
Conclusion
A car accident can leave you shaken and unsure of what to do next—but taking the right steps immediately can protect your health, your finances, and your future.
Focus on safety, get medical help, document everything, and stay informed about your rights under Texas law. For guidance, legal representation, or help navigating insurance and injury claims, reach out to the experienced team at Rhodes Humble LLP.
Our attorneys handle all types of personal injury cases, including car accidents across Bryan–College Station and surrounding communities. You can contact our office today through our contact page or by calling (979) 977-1744.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. For legal guidance tailored to your specific situation, consult a licensed attorney.