Houston Car Accident Lawyers

Were you injured in a car accident? Jim Adler & Associates is here to help. Our seasoned Houston car accident lawyers have helped thousands of Texans secure compensation for medical expenses, lost wages, pain and suffering, and more.

With over $1 billion recovered in settlements, our team knows how to take on the big insurance companies and protect your rights. You focus on healing—we’ll handle the legal battle.

Proven Results Backed by 50 Years of Experience
Jim Adler & Associates has over 50 years of experience helping Texans secure maximum compensation for car accident claims. We deliver results that matter.

Convenient Texas Locations Near You
We proudly serve clients from four offices across Texas: Houston, Channelview, Dallas, and San Antonio. Wherever you are, we’re ready to provide personalized support.

📞 Call us today at 1-800-505-1414 for a FREE consultation. Let’s work together to get the justice and compensation you deserve.

A skilled car accident lawyer takes the burden off your shoulders by managing every step of the accident claims process for you. This allows you to focus on your recovery while ensuring the best possible outcome for your case.

How a Car Accident Lawyer Can Help After an Accident:

• Prove Fault: Collect evidence to determine who caused the accident.
• Identify Liable Parties: Pinpoint all individuals or entities responsible for your losses.
• Handle Insurance Negotiations: Manage communication with the at-fault driver’s insurance company.
• Track Expenses: Organize your medical bills and out-of-pocket costs for reimbursement.
• Estimate Future Costs: Calculate ongoing medical needs and long-term financial losses.
• Obtain Medical Records: Work with healthcare providers to compile complete documentation.
• Recover Lost Wages: Help secure compensation for time missed from work.
• Provide Legal Representation: Advocate for you in depositions, hearings, or court.
• Negotiate Medical Bills: Reduce costs for surgeries, therapies, and other treatments.
• Handle Liens and Debt Collectors: Protect you from financial stress related to the accident.

By taking on these responsibilities, a car accident lawyer ensures your rights are protected and your case is handled with expertise.

The best time to speak with a Houston car accident lawyer is immediately after your accident. Acting quickly ensures your rights are protected, evidence is preserved, and your claim gets off to a strong start.

Prioritize Your Health First

If you need medical care after a car accident, focus on your recovery. Hiring a lawyer doesn’t have to add stress—we make the process simple and guide you every step of the way.

Why Timing Matters

• Insurance companies often delay, underpay, or deny claims. Acting fast ensures we can counter their tactics effectively.
• Mistakes during the claims process can reduce the compensation you deserve. Our experienced attorneys handle every detail so you can focus on healing.

No Risk, No Upfront Costs

At Jim Adler & Associates, we work on a contingency fee basis. This means you don’t pay legal fees unless we recover money for you. Our team is committed to fighting for the compensation you deserve without adding financial stress.

Let Us Handle the Hard Work

Dealing with insurance claims is time-consuming and complex. Even simple cases can take hours or days of back-and-forth with adjusters. Your time is better spent recovering while we take on the legal battle.

📞 Call us today for a FREE case review. Our team is ready to help you secure justice and financial compensation.

Even if you feel fine after a car accident, it’s still a good idea to consult with a car accident lawyer. Some injuries, such as whiplash or concussions, may not show symptoms right away but can lead to serious, long-term issues.

Why You Should Always Consult an Attorney

• Hidden Injuries: Many injuries, like brain trauma or soft tissue damage, can take days or weeks to appear. For example, symptoms of post-concussion syndrome—like headaches, fatigue, and brain fog—may not surface immediately.
• Low-Speed Collisions Can Be Serious: Even in minor accidents, research shows that low-speed impacts can cause chronic conditions, including whiplash and concussions.

Evidence Backed by Research

A 2021 study from the National Institutes of Health found that insurance companies often use the “biomechanical approach” to downplay the risks of low-speed collisions. This defense can underestimate the real-world impact of such accidents.

Don’t Let Insurance Companies Take Advantage

Insurance companies may pressure you to settle quickly, even before you understand the full extent of your injuries or damages. Signing too soon could mean forfeiting compensation for long-term medical costs or other accident-related losses.

How We Can Help

At Jim Adler & Associates, we’ll guide you through the claims process and deal with the insurance companies on your behalf. Our experienced attorneys ensure you get the compensation you deserve—whether for injuries, property damage, or both.

📞 Contact us today for a FREE case evaluation. Don’t leave your health or your rights to chance.

Yes! In Texas, you can recover compensation for a car accident as long as you are 50% or less at fault. This means you may still be eligible for damages to cover medical bills, property damage, and other losses—even if you share some responsibility for the accident.

Why Hiring a Lawyer Is Essential in Shared-Fault Cases

• Texas Modified Comparative Fault Rule: Under this rule, your compensation will be reduced by your percentage of fault. For example, if you’re found 30% at fault, you can still recover 70% of your damages.
• Avoid Self-Incrimination: Anything you say after an accident can be used against you. Even statements like “I didn’t see the other driver” might be interpreted as admitting fault.

What to Do After an Accident If You Share Fault

1. Stick to the Facts: Provide only basic information to other parties or the police, such as exchanging insurance details. Avoid unnecessary comments.
2. Consult a Lawyer Before Talking to Insurance Companies: Your insurer and the other driver’s insurer will determine fault, often based on your statements. Let your attorney handle communications to protect your rights.
3. Don’t Rush to Make a Statement: Reporting the accident is important, but waiting until all facts are clear can strengthen your case.

Why Speaking With an Attorney First Is Crucial

Insurance companies, including your own, are focused on minimizing payouts. No matter what they promise, they are not on your side. A skilled car accident lawyer will ensure your rights are protected and help maximize your recovery—even in complex cases involving shared fault.

📞 Contact Jim Adler & Associates today for a FREE consultation. Our experienced attorneys are ready to fight for the compensation you deserve.

Car accidents come in many forms, each with unique causes, risks, and outcomes. Here are the most common types:

1. Head-On Collisions

• Often result in severe injuries like brain trauma, spinal cord damage, or even fatalities.
• Typically caused by high speeds, distracted driving, or wrong-way entry on roads.

2. Rear-End Collisions

• The most frequent type of accident, often happening in traffic congestion or due to distracted driving.
• Injuries may include whiplash or back pain.

3. Rollover Accidents

• Common with SUVs and taller vehicles, especially when speeding or losing contact with the road surface.

4. Fatal Accidents

• Can occur in any situation and are often linked to high-speed impacts or lack of seatbelt use. See wrongful death.

5. Hit-and-Run Accidents

• Involve drivers fleeing the scene after a collision, leaving victims to deal with damages alone.

6. 18-Wheeler and Commercial Vehicle Accidents

• Large trucks can cause catastrophic damage, often requiring legal expertise to handle complex insurance claims.

7. Rideshare Accidents (Uber/Lyft)

• Fault and insurance coverage can be complicated, as rideshare drivers are typically contractors.

8. Motorcycle Accidents

• Among the most devastating, motorcycle accidents often result in severe injuries or fatalities due to lack of protection.

9. Drunk Driving Accidents

• Hundreds of Texans lose their lives each year to drunk drivers, with thousands more injured.

10. Work Zone Accidents

• Work zones increase risks due to congestion, sudden stops, and heavy equipment.

11. Texting and Driving Accidents

• One of the most dangerous behaviors, causing thousands of fatalities and injuries annually.

12. Drugged Driving Accidents (DUI)

• Includes both illegal drugs and prescription medications, which impair judgment and reaction times.

13. Speeding Accidents

• Texas leads the nation in speeding-related fatalities. High speeds increase injury severity and the likelihood of death.

14. Uninsured/Underinsured Driver Accidents

• Millions of Texas drivers lack sufficient insurance, complicating claims for accident victims.

15. Intersection Collisions

• Dangerous intersections cause thousands of fatalities and injuries each year.

16. Severe Weather Accidents

• Fog, rain, hail, and storms can reduce visibility and control, leading to crashes.

17. Vehicle Defect Accidents

• Mechanical issues like brake failure or tire defects can lead to serious accidents.

18. Dangerous Road Conditions

• Poor maintenance, potholes, and inadequate signage can result in accidents and liability claims against government agencies or contractors.

19. Wildlife and Livestock Collisions

• Texas sees thousands of animal-related accidents yearly. Liability may fall on animal owners or insurers, depending on the circumstances.

Rideshare services like Uber and Lyft provide convenience, but accidents involving these vehicles can be legally complex. Unlike typical car accidents, rideshare cases often involve multiple parties, including the rideshare driver, the company, and other motorists. Determining liability requires understanding how insurance coverage applies during different phases of a ride.

Rideshare Insurance Coverage

Uber and Lyft drivers are covered under a tiered insurance structure:

• Offline or Personal Time: The driver’s personal insurance applies.
• App On, No Passenger: Limited liability coverage is provided by the rideshare company.
• Passenger Onboard: Uber or Lyft typically provide up to $1 million in liability and uninsured/underinsured motorist coverage.

Common Causes of Rideshare Accidents

• Driver inexperience or fatigue.
• Distracted driving while using the rideshare app.
• Negligence from other drivers on the road.

Why Rideshare Cases Are Different

• Corporate Insurance Policies: Negotiating with large insurance companies requires expertise.
• Independent Contractor Status: Rideshare companies often try to limit their liability by classifying drivers as independent contractors.

How Jim Adler & Associates Can Help

With decades of experience handling car accident cases, our firm knows how to navigate the complexities of rideshare claims. We’ll investigate the accident, determine liability, and pursue the compensation you deserve for medical bills, lost wages, and pain and suffering.

If you’ve been injured in an Uber or Lyft accident, let our team fight for you. Call Jim Adler today for a FREE consultation.

Accidents involving uninsured or underinsured motorists present unique challenges. In Texas, while drivers are legally required to carry minimum liability insurance, approximately 12% of vehicles remain uninsured, leaving many at risk.

Understanding Uninsured/Underinsured Motorist (UM/UIM) Coverage

UM/UIM coverage is designed to protect you when the at-fault driver lacks sufficient insurance. This optional coverage can compensate for medical expenses, lost wages, and property damage. Texas law mandates that insurers offer UM/UIM coverage, and it’s highly recommended to include it in your policy.

Filing a Claim

If you’re involved in an accident with an uninsured or underinsured driver, you have two primary options:

1. File a Lawsuit Against the Driver: While you can sue the at-fault driver, collecting compensation may be challenging if they lack assets or insurance.
2. File a UM/UIM Claim with Your Insurer: If you have UM/UIM coverage, you can file a claim with your own insurance company. However, insurers may attempt to minimize payouts, making it essential to have experienced legal representation.

How Jim Adler & Associates Can Assist

Uninsured and underinsured motorist claims can be challenging and require a deep understanding of insurance laws. Our firm has extensive experience handling these cases, ensuring your rights are protected and you receive the compensation you deserve. We analyze your policy, gather evidence, and fight back against insurance tactics that aim to minimize your claim.

Vehicle rollover accidents are among the most dangerous types of crashes, often resulting in severe injuries or fatalities. These incidents are particularly prevalent among SUVs and trucks due to their higher center of gravity, making them more susceptible to tipping over during abrupt maneuvers or collisions.

Common Causes of Rollover Accidents

• High Center of Gravity: Vehicles like SUVs and trucks are more prone to rollovers because of their elevated design.
• Speeding: Excessive speed increases the likelihood of losing control, especially during sharp turns.
• Driver Behavior: Aggressive driving, distracted driving, or impaired driving can lead to rollovers.
• Road Conditions: Uneven surfaces, potholes, or slippery roads can contribute to loss of vehicle stability.
• Vehicle Defects: Faulty tires, suspension issues, or design flaws can increase rollover risks.

Injuries Commonly Associated with Rollover Accidents

• Head and Neck Injuries: Including traumatic brain injuries and whiplash.
• Spinal Cord Injuries: Potentially leading to paralysis.
• Broken Bones: Such as fractures in the arms, legs, or ribs.
• Internal Injuries: Damage to organs due to the force of the rollover.
• Lacerations and Bruises: From shattered glass or impact with the vehicle interior.

Legal Considerations in Rollover Accidents

Determining liability in rollover accidents can be complex, involving factors such as:

• Driver Negligence: Speeding, distracted driving, or impairment.
• Manufacturer Liability: Defective vehicle design or parts.
• Third-Party Negligence: Poor road maintenance or other drivers’ actions.

How Jim Adler & Associates Can Assist

Our firm has extensive experience handling rollover accident cases. We conduct thorough investigations to identify all liable parties, gather evidence, and advocate for the compensation you deserve. This includes medical expenses, lost wages, pain and suffering, and more.

If you or a loved one has been involved in a rollover accident, contact us today for a free consultation.

Rear-end collisions are among the most common types of car accidents, often resulting from distracted or reckless driving. While these crashes might seem minor, they can cause serious injuries and lead to complex legal battles when it comes to determining fault and securing fair compensation.

Common Causes of Rear-End Collisions

• Distracted Driving: Drivers texting, eating, or using their phones are often slow to react to sudden stops.
• Speeding: Following too closely at high speeds reduces reaction time, leading to crashes.
• Weather Conditions: Rain, fog, or icy roads can make stopping distances unpredictable.
• Driver Fatigue: Drowsy drivers may fail to notice slowing traffic.
• Mechanical Failures: Faulty brakes or worn tires can also contribute to rear-end collisions.

Common Injuries from Rear-End Accidents

• Whiplash: A frequent injury caused by the sudden jolt of impact.
• Spinal Injuries: Including herniated discs or fractures.
• Head Injuries: Resulting from contact with steering wheels or headrests.
• Soft Tissue Damage: Injuries to muscles, tendons, and ligaments.
• Airbag-Related Injuries: Burns or fractures caused by the airbag deployment.

Determining Fault in Rear-End Collisions

In most rear-end collisions, the rear driver is presumed to be at fault due to failure to maintain a safe following distance. However, there are exceptions, such as:

• Sudden Stops: When the lead driver stops abruptly without warning.
• Multi-Vehicle Pileups: Determining fault in chain-reaction crashes can be more complex.

How Jim Adler & Associates Can Help

Our attorneys specialize in securing compensation for rear-end collision victims. We investigate the accident, gather evidence, and fight against insurance companies to ensure you recover damages for medical bills, lost income, and pain and suffering.

If you’ve been injured in a rear-end accident, let us take the legal burden off your shoulders. Contact Jim Adler & Associates for a free consultation today.

Intersection accidents are a major cause of car crash injuries in Texas. These crashes account for one-third of serious injuries and are the second most common type of accident in the state. In six years, they caused 5,000 fatal crashes and 34,000 serious injuries.

Common Causes of Intersection Accidents

• Failure to yield the right of way is the top cause.
• Speeding plays a role in 24% of crashes.
• Running red lights or stop signs causes 22% of accidents.
• Distracted driving contributes to 20%.
• Drunk driving is a factor in 14% of cases.

Common Injuries in Intersection Accidents

• Whiplash from sudden stops or impacts.
• Head and brain injuries from collisions.
• Spinal cord damage that may cause paralysis.
• Broken bones from high-impact crashes.
• Internal injuries like organ damage.

How Jim Adler & Associates Can Help

Intersection accidents are complex. They often involve multiple drivers and conflicting reports. Our firm investigates the scene, gathers evidence, and fights for maximum compensation. We help clients recover damages for medical bills, lost wages, and pain and suffering.

Work zone accidents are a serious problem in Texas. In 2023, over 26,000 work zone crashes occurred. These accidents caused 190 deaths and 803 serious injuries.

Common Causes of Work Zone Accidents

• Speeding through construction areas.
• Distracted driving, such as texting or eating.
• Unsafe lane changes near work zones.
• Following too closely to other vehicles.

Common Injuries in Work Zone Crashes

• Whiplash and neck injuries from sudden stops.
• Broken bones caused by high-impact collisions.
• Head injuries, including concussions or brain trauma.
• Spinal cord damage that may lead to paralysis.
• Lacerations from flying debris or broken glass.

Legal Issues in Work Zone Cases

Work zone accidents often involve multiple parties. Liability may fall on drivers, construction companies, or even local governments. Key factors include:

• Whether proper warning signs were posted.
• If drivers followed traffic laws.
• Whether construction crews followed safety protocols.

How Jim Adler & Associates Can Help

Work zone accident claims can be complicated. Our attorneys investigate every detail, gather evidence, and fight for your rights. We aim to secure compensation for medical bills, lost wages, and pain and suffering.

If you’ve been hurt in a work zone accident, call Jim Adler today for a FREE consultation.

Severe weather is a major cause of car accidents in Texas. Rain, snow, fog, and high winds can make driving dangerous. Rain alone causes about 85% of weather-related crashes in the state. These conditions increase the risk of losing control and make roads unsafe for everyone.

Common Causes of Weather-Related Crashes

• Wet or Slippery Roads: Rain and ice reduce traction, causing vehicles to skid.
• Poor Visibility: Fog, snow, or heavy rain make it hard for drivers to see.
• Strong Winds: High winds can push vehicles into other lanes or off the road.
• Hydroplaning: Excess water on the road makes tires lose contact with the surface.

Injuries Caused by Severe Weather Accidents

• Whiplash: Neck strain from sudden stops.
• Broken Bones: Impact during collisions can cause fractures.
• Head Injuries: Concussions or brain injuries from violent impacts.
• Spinal Cord Injuries: These injuries may result in long-term mobility issues.
• Cuts and Lacerations: Shattered glass or debris can cause serious wounds.

Liability in Severe Weather Accidents

Even during bad weather, drivers are responsible for driving safely. They must:

• Reduce speed when roads are wet or icy.
• Maintain a safe following distance.
• Use headlights in low visibility conditions.

Failing to adjust to weather conditions can lead to driver liability in accidents.

How Jim Adler & Associates Can Help

Severe weather accidents can be complex. Our attorneys investigate the crash, gather evidence, and determine fault. We fight to secure compensation for medical bills, lost wages, and other damages.

If you were injured in a weather-related accident, call Jim Adler today for a FREE consultation.

Vehicle defects can cause serious accidents and injuries. These issues often result from manufacturing errors, poor design, or inadequate maintenance protocols. When a defect compromises safety, it can affect not only the driver but also passengers and others on the road.

Common Types of Vehicle Defects

• Brake Failures: Malfunctioning brakes can prevent a vehicle from stopping in time, leading to collisions.
• Airbag Failures: Faulty airbags may fail to deploy or deploy incorrectly, increasing the risk of injury.
• Tire Defects: Poorly manufactured tires can lead to blowouts or loss of control.
• Steering System Malfunctions: Defects in the steering system can cause drivers to lose control of their vehicles.
• Electrical Failures: Issues like faulty wiring can cause fires or disable critical safety features.

Injuries Caused by Defective Vehicles

• Head and Brain Injuries: Often due to airbag malfunctions.
• Spinal Cord Damage: Caused by high-impact collisions due to brake or steering failure.
• Burns: Resulting from electrical fires or fuel leaks.
• Broken Bones: Common in rollovers or severe crashes linked to structural defects.

Liability in Defect-Related Accidents

Vehicle manufacturers, suppliers, or repair shops can be held liable for accidents caused by defects. Proving liability often requires:

• Evidence of the defect, such as recall notices or repair records.
• Expert analysis to link the defect to the accident.
• Documentation of injuries and damages.

How Jim Adler & Associates Can Help

Our firm has years of experience handling vehicle defect cases. We work with experts to identify defects, hold manufacturers accountable, and secure compensation for medical bills, lost wages, and other damages.

If a vehicle defect caused your accident, contact Jim Adler today for a FREE consultation.

Driving under the influence (DUI) and driving while intoxicated (DWI) are major causes of car accidents in Texas. Alcohol or drug impairment slows reaction times, reduces focus, and increases the risk of deadly crashes. Victims of these accidents often face severe injuries, emotional trauma, and financial hardships.

Key Facts About DUI and DWI in Texas

• Legal Limits: A blood alcohol concentration (BAC) of 0.08% or higher is considered intoxicated in Texas. For commercial drivers, the limit is 0.04%.
• Zero Tolerance for Minors: Drivers under 21 cannot have any measurable amount of alcohol in their system.
• Drugs and Prescription Medications: Driving under the influence of illegal drugs or impairing prescription medications also qualifies as a DWI.

Common Causes of DUI/DWI Accidents

• Excessive Speeding: Impaired drivers often exceed speed limits, reducing their ability to stop in time.
• Failure to Stay in Lane: Alcohol and drugs impair coordination, leading to swerving or crossing into oncoming traffic.
• Delayed Reaction Times: Intoxication slows decision-making during critical moments on the road.
• Ignoring Traffic Signals: Drunk or drugged drivers may miss stop signs or red lights.

Injuries Caused by DUI/DWI Accidents

• Traumatic Brain Injuries: From head impacts during collisions.
• Spinal Cord Injuries: High-speed crashes often lead to severe back injuries or paralysis.
• Broken Bones: From direct impacts or vehicle rollovers.
• Lacerations and Burns: Caused by shattered glass or vehicle fires.

Liability in DUI/DWI Cases

In Texas, drivers found guilty of DUI or DWI are almost always considered at fault. In some cases, liability may also extend to:

• Bars or Restaurants: Under Texas’s Dram Shop laws, establishments that over-serve alcohol to visibly intoxicated individuals can be held liable for resulting accidents.
• Social Hosts: If a private party host serves alcohol to a minor who later causes a crash, they may face liability.

How Jim Adler & Associates Can Help

Our attorneys understand the devastation caused by drunk or drugged driving accidents. We hold intoxicated drivers and other responsible parties accountable. Our goal is to help victims recover compensation for medical bills, lost income, pain and suffering, and more.

If you’ve been injured in a DUI or DWI accident, call Jim Adler today for a FREE consultation.

Speeding is one of the leading causes of car accidents in Texas. In 2020, speeding contributed to over 27,000 crashes. These accidents resulted in approximately 900 deaths and more than 2,100 serious injuries. Driving too fast reduces reaction times and increases the severity of crashes.

Common Causes of Speeding Accidents

• Driver Inattention: Failing to notice changes in traffic or road conditions.
• Aggressive Driving: Ignoring speed limits and traffic laws.
• Impaired Driving: Alcohol or drugs can impair judgment and encourage speeding.
• Dangerous Weather: Wet or icy roads amplify the risks of speeding.

Injuries Caused by Speeding Accidents

• Head and Brain Injuries: Often from high-impact collisions.
• Spinal Cord Damage: Leading to long-term mobility issues or paralysis.
• Fractures: Severe impacts can cause broken bones.
• Internal Injuries: Damage to organs or internal bleeding.
• Cuts and Lacerations: From shattered glass or debris.

Liability in Speeding Accidents

Speeding drivers are usually at fault in these cases. However, other factors, like poor road design or defective vehicles, can contribute to crashes. Determining liability often requires evidence such as:

• Police reports and eyewitness accounts.
• Crash scene photos or videos.
• Data from the vehicle’s event recorder (black box).

How Jim Adler & Associates Can Help

If you’ve been injured in a speeding accident, you need an experienced legal team. We investigate the crash, identify liable parties, and fight for the compensation you deserve. This includes covering medical bills, lost wages, and pain and suffering.

Call Jim Adler today for a FREE consultation.

Car accidents can cause a wide range of injuries, from minor cuts to life-altering conditions. Here are some of the most common injuries associated with vehicle crashes:

1. Whiplash

• A neck injury caused by the rapid back-and-forth movement of the head.

2. Cuts, Lacerations, and Bruises

• Result from broken glass, sharp objects, or impact with vehicle components.

3. Soft Tissue Injuries

• Includes sprains, strains, and contusions, often affecting muscles, ligaments, and tendons.

4. Broken or Fractured Bones

• Commonly involve arms, legs, ribs, and facial bones due to the impact of the collision.

5. Spinal Cord Injuries

• Can lead to partial or complete paralysis, depending on the severity of the damage.

6. Traumatic Brain Injuries (TBI)

• Includes concussions and more severe brain injuries caused by head trauma.

7. Serious Burns

• Occur when fires, hot surfaces, or chemical spills are involved in the accident.

8. Severe Blood Loss (Exsanguination)

• A critical condition caused by excessive bleeding, often requiring immediate medical attention.

Hidden Injuries

Some injuries, like whiplash or concussions, may not show symptoms immediately but can worsen over time. It’s essential to seek medical attention after an accident, even if you feel fine at first.

Why Act Quickly?

If you or a loved one has sustained any of these injuries, consulting a car accident lawyer as soon as possible can help protect your rights. Our experienced Houston car accident lawyers can guide you through the process and fight for the compensation you deserve.

📞 Contact us today for a FREE case evaluation.

Understanding the distinction between bodily injury claims and personal injury claims is crucial when pursuing compensation after an accident. Here’s a breakdown:

Bodily Injury Claims

• Definition: Focus specifically on the physical harm caused to a person’s body.
• Examples:
  • Disc herniations
  • Broken bones
  • Lacerations
  • Ligament tears
  • Head trauma
• Insurance Context:
  • Covered under the bodily injury liability portion of a Texas auto insurance policy.
  • Compensation typically includes medical expenses, lost wages, and pain and suffering.

Personal Injury Claims

• Definition: A broader legal term encompassing bodily injuries as well as other damages caused by negligence or intentional actions.
• Examples:
  • Bodily injuries
  • Emotional distress
  • Pain and suffering
  • Loss of income or earning capacity
  • Loss of companionship or consortium
• Key Difference:
  • All bodily injury claims fall under personal injury claims.
  • Personal injury claims can include non-physical damages like emotional distress or financial losses without significant physical harm.

Filing Claims After a Car Accident

After a car accident, the injured party may file one or more of the following:

1. Bodily Injury Claim: To seek compensation from the at-fault driver’s insurance for injuries like back, neck, or shoulder damage.
2. Property Damage Claim: To cover repair or replacement costs for your vehicle.

Lawsuit Considerations

While bodily injury claims are often resolved through insurance, recovering compensation for the broader damages covered under a personal injury claim may require filing a lawsuit.

Key Takeaway

If you’ve been injured in a car accident, understanding your legal options can make all the difference. Contact Jim Adler & Associates today for a FREE consultation. Our experienced attorneys will help you navigate your claim and secure the compensation you deserve.

If you’ve been injured in a car accident and are not at fault, the settlement process typically involves filing a claim against the at-fault driver’s insurance. Here’s how it works in an ideal scenario:

The Car Accident Settlement Process

1. Claim Investigation:
   • The at-fault driver’s insurance company investigates the accident.
   • An insurance adjuster contacts you to gather evidence, including:
     • Your account of what happened.
     • Photos of the accident scene and your injuries.
     • Medical records and proof of treatment costs.
     • Documentation of lost wages.
2. Determining Fault:
   • The insurer determines whether their driver is at fault for the crash.
3. Settlement Offer:
   • Once you’ve completed medical treatments, the insurance company offers a settlement.
   • This amount is based on the total cost of your losses (medical bills, lost wages) and limited by the policy’s coverage.

Why the Settlement Process Is Rarely Straightforward

While this process seems simple in theory, many claims encounter challenges, including:

• Disputes Over Fault: The insurance company may argue you are partially or fully responsible for the crash.
• Injury Disputes: Insurers may claim your injuries are less severe than you report or preexisting.
• Delays: Insurance companies may drag out the process or ignore your attempts to follow up.

The Role of a Car Accident Lawyer

You have the right to consult a car accident lawyer at any point during the claims process. Ideally, you’ve hired a lawyer before filing your claim. Here’s how legal representation helps:

• Simplifies the Process: Your lawyer will handle documentation, evidence collection, and communication with the insurer.
• Maximizes Compensation: Attorneys are skilled negotiators and can fight for a fair settlement.
• Provides Legal Protection: If negotiations fail, your lawyer can file a personal injury lawsuit on your behalf.

When to Hire a Lawyer

If you are seriously injured or facing delays, denials, or disputes during negotiations, it’s time to seek legal representation. Jim Adler & Associates has decades of experience fighting for accident victims and helping them secure the compensation they deserve.

📞 Contact us today for a FREE consultation. Let us handle the hard work while you focus on recovery.

In Texas, you have up to two years from the date of the accident to file a lawsuit against the party responsible for your injuries. This time limit, known as the statute of limitations, is strict. If you miss this deadline, you may lose your right to pursue compensation.

Why You Should Act Quickly

• Insurance Deadlines:
  • While the statute of limitations applies to lawsuits, you should report the accident to the insurance company as soon as possible.
  • Insurers in Texas are required to:
    • Acknowledge your claim within a specific time frame.
    • Investigate and decide whether to accept or deny your claim before issuing a settlement.
• Settlement Negotiations:
  • If you are unhappy with the insurer’s offer and they refuse to negotiate further, filing a lawsuit may be your only option. Waiting too long could jeopardize your case.

Don’t Wait Until the Last Minute

Delaying action can harm your case. Evidence like accident reports, witness statements, and medical records can become harder to obtain as time passes. Acting promptly ensures your lawyer has the best chance of building a strong case.

What Happens If You Miss the Deadline?

If you wait more than two years to file a lawsuit, the statute of limitations will likely have expired, and the court may dismiss your case. This could leave you without any legal recourse for recovering damages.

📞 Contact Jim Adler & Associates today for a FREE consultation. Let our experienced car accident lawyers guide you through the claims process and ensure you meet all deadlines.

What should I do if I had to get medical treatment after my car accident?
If you or a loved one had to seek medical treatment for your car accident injuries, then we recommend speaking with us as soon as possible. If you were not at fault for the accident and do not have the money to pay for medical care, a qualified accident lawyer can help you recover maximum compensation.

What should I do if my vehicle was damaged?
If a car accident damages your vehicle or completely totals it, we urge you to speak with a qualified car accident attorney as soon as possible. Purchasing another vehicle is expensive and vehicle repairs cost money.

An experienced car accident attorney can help you receive the full amount of property damage owed to you so that you can afford to replace what you’ve lost from the car accident.

What records do I need to prove the other person is at fault for the car accident?
After your accident, you should gather and hold onto the following documents to help prove your case:
1. Police Report
2. Pictures of the entire scene (your car, their car, damages, etc.)
3. 911 call records
4. Surveillance videos
5. Phone records
6. Medical records
7. Any additional/miscellaneous records

What documents do I need to prove my damages?
You should keep all financial records on hand. This includes, but is not limited to, the following:
1. Medical and billing records
2. Insurance records
3. Prior medical records
4. Payroll records from your job
5. Pictures (see above)

How much insurance coverage should I have?
Texas has minimum insurance coverage requirements. As of 2023, Texas requires at least:

• $30,000 in bodily injury coverage per person
• $60,000 in bodily injury coverage per accident
• $25,000 in property damage coverage per accident

However, if you are ever involved in a car accident and are NOT at fault, we recommend having the following coverages on your insurance plan for the best possible outcome:

Personal Injury Protection (PIP):

• Purpose: Covers medical expenses, lost wages, and other non-medical costs regardless of fault. Useful for immediate expenses while waiting for the at-fault party’s insurance to settle.
• Texas Minimum Requirement (2024): $2,500 (opt-out available in writing)
• Recommendation: Retain this coverage and consider a higher limit, such as $10,000 or more, especially if without health insurance or with a high-deductible health plan.

Uninsured/Underinsured Motorist Bodily Injury (UM/UIM BI):

• Purpose: Protection if hit by a driver without insurance or with insufficient insurance.
• Recommendation: Consider limits at least equal to desired Bodily Injury Liability (BIL) coverage to ensure coverage of medical expenses and potential lost wages.

Uninsured/Underinsured Motorist Property Damage (UM/UIM PD):

• Purpose: Covers vehicle damage from an uninsured or underinsured driver.
• Recommendation: Match this with your vehicle’s value, ensuring enough coverage for repairs or replacement.

Collision Coverage:

• Purpose: Pays for vehicle damage from collisions, regardless of fault.
• Recommendation: Essential for vehicles with a loan or lease. For older, low-value cars, consider opting out; for newer or valuable cars, it’s recommended.

Medical Payments (MedPay):

• Purpose: Covers medical expenses for passengers, regardless of fault.
• Recommendation: Optional with PIP but can offer added protection. Consider based on health insurance circumstances.

Comprehensive Coverage:

• Purpose: Covers damage from non-collision events like theft, vandalism, and natural disasters.
• Recommendation: Required for some loans or leases. Consider based on car value and local risks.

Remember, while the above recommendations focus on protecting you when you’re NOT at fault, it’s always a good idea to consult with an insurance agent or attorney to tailor the coverage to your personal circumstances and potential risks.

What if the other driver doesn’t have enough insurance coverage or no insurance at all?
In Texas, every driver is REQUIRED to have a certain amount of insurance coverage. The minimum is $30,000 for each person hurt, up to a total of $60,000 per accident, and $25,000 for damage to property in each accident.

If you’re involved in a car accident and the other driver either doesn’t have enough insurance or none at all, we can assist you in taking legal action against them to get the compensation you need.

Sometimes, taking legal action is the only way to ensure you get the funds to cover your medical bills and other losses/damages.

If you’ve got insurance, it might include coverage for accidents with drivers who are uninsured or don’t have enough insurance (uninsured/underinsured motorist coverage). This means your insurance could help pay for the damages you incur.

Dealing with accidents involving uninsured/underinsured drivers can be tricky. Our team of Houston car accident lawyers is here to guide you through it and make sure you get what you’re owed.

Is Texas an at-fault state?
In the State of Texas, liability for car accidents is determined based on the “at-fault” system. This means that the individual deemed responsible for causing the accident is also responsible for any resulting damages and injuries. Consequently, drivers are required to carry liability insurance to cover potential claims. The minimum liability insurance limits in Texas are:

• $30,000 for bodily injury per person;
• $60,000 total for bodily injury per incident; and
• $25,000 for property damage.

Upon filing a claim, insurance providers have a 15-day window to either approve or deny the claim. If denied, they must provide a clear reason for the decision. If any portion of your claim is approved, the insurer is obligated to disburse the payment within five business days.

Additionally, Texas adheres to the modified comparative fault rule. In situations where both drivers are found to be at fault, a claimant can still recover damages, provided they are deemed 50% or less at fault. However, the compensation awarded will be reduced by a percentage equivalent to the claimant’s degree of fault, as determined by the courts after thorough investigation.

What if someone wrecks my vehicle and they aren’t on my insurance?
If you permit another individual to operate your vehicle, and they are not listed on your insurance policy, it may still be possible to submit a claim with your insurance provider. This is because insurance coverage is often linked to the vehicle, rather than the specific driver. Therefore, with your consent, the individual operating your vehicle is typically covered in the event of an accident.

In the event of an accident, the driver deemed “at fault” is primarily responsible for addressing any resulting damages or injuries. If the individual you permitted to drive your vehicle was not at fault, there shouldn’t be any issues. On the other hand, if they were found to be responsible for the accident, they might bear liability.

It’s worth noting that while some insurance policies cover any driver operating the insured vehicle, others may only cover designated drivers. To find out the specifics of your coverage, you should consult with your insurance provider.

What if I don’t have medical insurance?
If you get hurt in a car wreck and don’t have health insurance, it’s important to talk to an experienced lawyer as soon as possible.

You might need to file a personal injury claim to get money to pay for your medical care. Medical bills can add up quickly, and some people even go bankrupt trying to pay them. A car accident lawyer in Houston can guide you through this tough time.

What injuries are considered serious in car accidents?
A severe car accident can result in injuries ranging from bone fractures and internal bleeding to spinal damages and burns. While these injuries are frequently observed, others, such as traumatic brain injuries, paralysis, and even amputations, might also occur. Tragically, in the gravest of situations, fatalities can happen.

What if someone dies in a car accident?
There are legal implications in Texas for car accidents that result in a fatality.

Please see this page for more information on car accidents that involve a death: Fatal Car Accidents

For most car accident cases, hiring a lawyer is essentially risk-free because attorneys typically work on a contingency fee basis. This means you won’t pay any upfront costs, and your attorney only gets paid if they recover money for you.

How Contingency Fees Work

• No Upfront Costs: Attorneys cover the costs of handling your claim, such as court filing fees, expert witness expenses, and investigation costs.
• Attorney’s Fee Percentage: If your lawyer wins or settles your case, their fee is a percentage of your compensation—typically between 35% and 40%.
• Example:
  • Settlement Amount: $20,000
  • Attorney Fees (35%): $7,000
  • Remaining Balance: $13,000 (used to pay medical bills and other debts, with the rest going to you).

If no settlement or verdict is reached, you don’t owe anything for legal fees.

Settlements vs. Lawsuits

• Most Cases Settle: The majority of car accident claims are resolved through settlements without ever going to court.
• Client Consent Required: Attorneys won’t file a lawsuit without your permission, giving you control over how the case proceeds.

Lump Sum Payments

Insurance companies usually pay settlements in one lump sum rather than splitting the amount into smaller payments. This simplifies the process and ensures you receive your compensation in full.

📞 Contact Jim Adler & Associates today for a FREE consultation. We work on a contingency fee basis, so there’s no cost to you unless we win. Let us handle the hard work while you focus on recovery.

The value of a car accident case varies because every claim is unique. Factors like how the accident happened, the extent of your injuries, and the impact on your life all play a role in determining the settlement amount.

While it’s impossible to predict an exact figure, documenting everything thoroughly can help maximize your compensation.

Factors That Affect Your Settlement Amount

1. Medical Expenses:
   • Costs for emergency care, surgeries, medications, and follow-up treatments.
2. Future Medical Needs:
   • Ongoing medical care, such as physical therapy or rehabilitation.
3. Disabilities or Disfigurement:
   • Permanent injuries, impairments, or scarring caused by the accident.
4. Lost Wages:
   • Income lost due to missed work and the impact on your future earning capacity.
5. Pain and Suffering:
   • Compensation for physical pain, emotional distress, and reduced quality of life.
6. Skill of Your Attorney:
   • Experienced car accident lawyers can negotiate higher settlements and ensure all damages are accounted for.

Why Documentation Matters

Keeping detailed records of your medical expenses, lost wages, and other accident-related losses is critical. These records serve as evidence to support your claim and can help maximize your settlement.

📞 Contact Jim Adler & Associates today for a FREE consultation. Our experienced attorneys will evaluate your case and fight to get you the compensation you deserve.

The timeline for settling a car accident case varies depending on its complexity.

While many cases settle within 2 to 12 months, others can take years to resolve.

The duration depends on factors like the severity of the accident, the extent of your injuries, and whether the case goes to trial.

Factors That Affect the Timeline

1. Severity of Injuries:
   • Serious crashes that result in major injuries often take longer to settle. This is because determining long-term medical costs and the impact on your ability to work requires detailed assessments and expert opinions.
2. Medical Recovery:
   • Cases usually don’t settle until you’ve completed medical treatment or reached maximum medical improvement (MMI). This ensures all medical expenses and future care needs are accounted for.
3. Negotiations with Insurance:
   • Insurers may delay or dispute claims, prolonging the negotiation process.
4. Litigation:
   • If a settlement cannot be reached, filing a lawsuit and going to trial can add months or even years to the case.

Why Serious Cases Take Longer

In severe cases, there are often questions about your future:

• Will you be able to return to work?
• What will the cost of ongoing medical care be?

Answering these questions involves working with medical experts, calculating damages, and sometimes engaging in lengthy negotiations with the at-fault party’s insurer.

📞 Contact Jim Adler & Associates today for a FREE consultation. Our experienced car accident lawyers will guide you through every stage of the process and fight to get you the compensation you deserve—no matter how long it takes.

Jim Adler has been hammering the insurance companies to get his clients the compensation they need and deserve for over 50 years!

We’ve built a team of over 30 top-performing attorneys and over 300 professional legal support staff dedicated to helping accident victims get justice.

Our law firm has personally recovered over a BILLION dollars in restitution for injured Texans involved in vehicle accidents.

We handle every case on a contingency fee basis which means you won’t pay a dime unless we win. Consultations with our attorneys are FREE so call us or send us a message today.