Understanding Your Legal Rights and Options Under Texas Law
It’s no surprise that being involved in a Texas car accident can turn your world upside down. Property damage in a car accident can leave you feeling stressed and confused as you attempt to deal with the overwhelming task ahead – filing a property damage claim.
In total, 5930,496 motor vehicle accidents in the United States that were reported to the police in 2022, and of those there were a shocking 4,226,677 property damage-only car accidents.
While this number has seen a slight decrease in recent years, it is still a staggering statistic. If your property was damaged in a car accident, here is everything you need to know about your legal rights and options.
What Actually Counts as Property Damage in a Car Accident?
Property damage in a car accident is defined as any physical harm as a result of the crash – anything from your vehicle to your personal belongings. This can include, but is not limited to:
- Destruction of your car’s exterior or interior
- The ruin or loss of personal items inside the vehicle, such as a phone, laptop, or car seat
- Damage to other property outside of your car, such as a building, fence, or mailbox, if it resulted from the crash
If you are the at-fault driver, but you carry property damage liability insurance, your policy will cover accident-related damage to other people’s property, such as flag poles, fire hydrants, landscaping, vehicles, and as well as everything listed above.
This type of insurance is essential, especially in Texas, where there has been a concerning rise in traffic accidents. Understanding the ins and outs of handling property damage claims is crucial for protecting your legal rights and financial interests.
Steps to Take After a Texas Car Accident with a Property Damage Claim
- Prioritize Your Safety: Your well-being should be your top priority. Make sure everyone involved in the accident is safe and seek medical attention immediately before you concern yourself with any potential property damaged in a car accident.
- Document the Evidence: Take clear, detailed photos of all vehicle and property damage, including any affected personal items, such as your phone or laptop. This visual evidence will be invaluable when filing your property damage claim.
- File an Official Police Report In Texas, you are obligated to report any accidents resulting in injury, death, or property damage exceeding $1,000. Even if you aren’t sure about the cost of the damages, it is best to file a report to play it safe. This official record will be important for your property damage claim later.
- Contact Your Insurance Company: Report the accident as soon as possible. They will likely counter with a lowball first offer. Please remember – you’re not obligated to accept their first offer.
- Get Damage Repair Estimates: Get quotes from reputable repair shops as soon as possible to understand the full picture of the damage and potential costs you may incur.
Beware the Statute of Limitations with Property Damage Claims
Don’t wait, and don’t hesitate if you have had property damaged in a car accident!
In general, Texas only gives you a period of two years to file a lawsuit for property damage. While this quick countdown can possibly be suspended under the right circumstances, you may miss your chance to pursue legal action if you do not act quickly.
If you are in a car accident and your vehicle or other property is damaged, make sure you file a lawsuit within two years from the day of the accident to ensure you can repair your car and recover your losses.
Your Safety is Paramount with Rising Injury Rates in Texas Car Accidents
Texas is facing a surge in traffic-related incidents, with 18,752 people sustaining serious injuries last year. Post-pandemic, the roads have become more hazardous than ever before. It is becoming increasingly important to prioritize safety on the roads.
Make sure you are always obeying traffic laws, remain alert, and avoid distractions while you are driving. These precautions will help you avoid accidents – especially ones that result in property damage claims.
Save yourself the headache and stay safe behind the wheel.
Decoding the Property Damage Claim Process with the Help of Angel Reyes & Associates
We understand firsthand how daunting it can be to deal with an insurance company that is not on your side. They want to minimize your claim as much as possible, but the experienced team at Angel Reyes & Associates is here to support you every step of the way:
- We’ll listen to your story and review all of your evidence to get a clear picture of the accident
- Our attorneys will thoroughly review your insurance policy to ensure you’re aware of all available coverage options.
- A legal expert will advise you on how to negotiate with sneaky insurance companies to ensure you get a fair settlement.
- If necessary, we can connect you with trusted auto repair professionals in the Dallas area to get your vehicle back on the road and in top shape.
While our primary focus is on personal injury cases, we believe you deserve comprehensive support in all areas dealing with accidents. That’s why we offer guidance on property damage claims as a courtesy to our cherished clients.
Angel Reyes & Associates Welcomes You with Open Arms
At Angel Reyes & Associates, we are deeply committed to providing the comprehensive support you need and deserve throughout the entire process. We will ensure you receive the fair compensation you need to repair your vehicle and move forward with your life.
If you or a loved one has had property damaged in a car accident in Texas, don’t hesitate to reach out to one of our compassionate personal injury attorneys. Contact us today or stop into our Dallas office for a one-on-one meeting to get started with your free consultation.
Allow us to help you get back behind the wheel so you can move on with confidence and clarity.
