What to Do After a Car Accident in Houston: A Step-by-Step Guide

August 1, 2025 | By AP Law Group
What to Do After a Car Accident in Houston: A Step-by-Step Guide

A Houston car accident lawyer can help you navigate the steps that follow once the initial shock has passed and important decisions begin to arise. In the hours or days following a collision, you may begin to wonder how to handle medical care, vehicle repairs, insurance claims, and the possibility of legal action. Whether the accident happened along I-45, the 610 Loop, or a neighborhood street, what you do next can influence the outcome of your case.

Now is the time to gather documentation, follow through on medical treatment, and be cautious with what you say to insurance adjusters. If the crash was caused by another driver's negligence, securing trusted legal guidance can help you make informed decisions and avoid costly mistakes.

A Houston car accident lawyer at AP Law Group is here to support you every step of the way. Call (713) 913-4627 today for a free case evaluation.

Why Seeking Medical Care After a Houston Car Accident Is So Important

car crash accident on street, damaged automobiles after collision in city

After a car accident in Houston, taking care of your health should be your top priority. Whether the crash occurred during a minor slowdown on Westheimer Road or a more serious incident near the Texas Medical Center, it is common for injuries to remain hidden at first. Adrenaline and stress can delay symptoms, making it easy to overlook injuries like whiplash or a concussion.

If you have not yet seen a doctor, or if new symptoms have appeared, it is important to schedule a medical evaluation without delay. Early treatment helps support your recovery and also creates a clear connection between the accident and your injuries. This can be important if you decide to file a personal injury claim with help from a Houston car accident lawyer.

Keep a complete record of all medical visits, diagnoses, treatment plans, and prescriptions. These documents help show the seriousness of your injuries and the steps you have taken to recover.

Types of Medical Treatment Common After Car Accidents in Houston

The care you receive will depend on your injuries. Emergency rooms provide immediate help for serious trauma, while urgent care centers are useful for quicker assessments when symptoms seem less severe.

Your primary care physician can monitor your progress and refer you to specialists if needed. You may be sent to an orthopedist for joint or bone injuries, a neurologist for head or nerve-related concerns, or a physical therapist to support longer-term recovery.

Following your doctor’s recommendations not only helps you heal but also shows that you are taking your recovery seriously. This can strengthen your case if you choose to pursue compensation.

How Medical Records Support Your Houston Personal Injury Claim

Comprehensive medical records play a vital role in supporting your case. From the initial ambulance report to your final physical therapy appointment, each document offers objective proof of the injuries you sustained, the treatment you received, and the related costs. 

These records also help illustrate how your condition has progressed over time, including any complications or setbacks that may have occurred during your recovery. Thorough and consistent medical records help demonstrate the full effect of the accident on your health, daily life, and financial stability.

What to Document After a Car Accident in Houston

Once you are safe and have received medical attention, it is time to gather details about the accident. Whether collected at the scene or later, this information can help support your personal injury claim. A Houston car accident lawyer can use it to build a stronger case under Texas car accident law.

How Photos and Videos Help Prove Car Accident Claims

If you took pictures or videos at the scene, or can safely return, capture clear images of the damage from multiple angles. Include wide shots of the road, traffic signs, and nearby intersections, as well as close-ups of vehicle damage and skid marks. These visuals can help show how the accident occurred.

What Information to Collect from Drivers and Witnesses

Using your notes or the police report, gather names, contact details, insurance providers, vehicle descriptions, and license plate numbers of all drivers involved. Record the exact location of the accident, including nearby landmarks. If there were witnesses, their statements and contact information can be helpful in confirming what happened.

Why You Should Record Your Recollection of the Crash

As soon as you can, write out everything you recall. Include the time and date, weather and road conditions, the direction each vehicle was going, and any other observations. These details may help your Houston personal injury lawyer show how the crash happened and who was at fault.

What to Do If the Other Driver Refuses to Share Information

If the other driver would not share information or was confrontational, stay calm and avoid any argument. Note anything you could safely observe, such as the make, model, color, and license plate of their vehicle. 

Be sure to tell the police about the behavior so it can be included in their report. Your Houston car accident attorney can use this information to help locate the driver and support your claim.

When and How to Report a Car Accident in Houston

In Texas, accidents involving injury, death, or property damage over $1,000 must be reported to law enforcement. Even in minor collisions, having an official police report helps establish what happened. 

If officers responded, their report likely includes driver and vehicle details, witness information, and possibly an initial assessment of fault. Once available, request a copy of the report from the Houston Police Department or TxDOT. This document often becomes key evidence in a personal injury claim.

Understanding the Difference Between a Police Report and Crash Report in Texas

In Texas, police reports are initial documents created at the scene of an accident, reflecting the responding officer’s immediate observations and findings. In contrast, the Texas Peace Officer’s Crash Report (CR-3) is the official report submitted to the Texas Department of Transportation (TxDOT). The CR-3 is the authoritative document used by insurance companies and legal professionals to assess fault, liability, and damages.

What to Do If Police Didn’t Come to the Scene in Houston

In less severe accidents, officers may not come to the scene. In that case, you are still responsible for exchanging information with the other driver. If the accident meets the legal reporting threshold, you may need to file a Civilian Crash Report (CR-2) with TxDOT. While it is not an official police investigation, it serves as a formal record of the incident.

A Houston car accident lawyer can help you obtain reports, understand your rights, and guide you through the next steps under Texas law. If you need help with documentation or filing a claim, legal support is available.

How to Notify Your Insurance Company After a Houston Car Accident

If you haven’t already, let your insurance company know about the accident as soon as you can. Most policies ask you to report crashes quickly. When you talk to your insurer, stick to the basic facts. Share the time, place, and how the accident happened, but avoid giving too many details right away.

It’s smart to be careful with what you say, especially if someone asks you for a recorded statement. This includes your own insurance company and, even more so, the other driver’s insurer. They may seem helpful, but their goal is often to protect their company and pay as little as possible. 

Before giving any recorded statements or talking about injuries, it’s a good idea to speak with a Houston car accident lawyer first. A lawyer can guide you on what to say and help protect your claim.

Understanding First-Party and Third-Party Claims in Texas

When you contact your own insurance company, you are filing a first-party claim. This could include coverage like personal injury protection (PIP) or uninsured/underinsured motorist benefits. If you file a claim with the other driver’s insurance company, that is called a third-party claim.

The other driver’s insurance company works for their policyholder, not for you. They may try to reduce what they pay or find ways to blame you. This is why many people get help from a Houston personal injury lawyer after a car accident in Texas.

What to Know Before Giving a Recorded Statement After a Crash

Giving a recorded statement too early can create risks. You might accidentally downplay your injuries, introduce inconsistencies, mention pre-existing conditions, or make comments that shift blame. 

Even small details may be used against your claim. Before giving any recorded statements, talk to a Houston car accident lawyer who can explain what to expect and how to respond.

Texas Fault Laws Explained: How Liability Affects Your Car Accident Claim

Texas uses an at-fault system. This means the driver who caused the accident is responsible for paying damages. Under Texas Civil Practice and Remedies Code §33.001, the 51% rule means you can recover damages only if you are found to be 50% or less at fault.

For example, if you were 20% at fault and your damages totaled $10,000, you could recover $8,000. A Houston auto accident attorney can help you reduce the amount of blame put on you and fight for a fair outcome.

How Insurance Companies and Lawyers Determine Fault in Houston Car Accidents

Determining who is responsible for a car accident involves reviewing multiple forms of evidence. This may include:

  • Official police reports
  • Photographs or video footage from the scene
  • Statements from witnesses
  • The type and extent of vehicle damage
  • Relevant traffic laws
  • Analysis from accident reconstruction experts

While insurance companies conduct their own investigations, their conclusions may not fully reflect what actually occurred. A Houston car accident lawyer can conduct an independent review, gathering and analyzing the evidence necessary to support your version of events and protect your legal interests.

What to Do If You’re Blamed for a Houston Car Accident

If the other driver or their insurance provider attempts to place partial or full blame on you, your attorney can respond by presenting evidence that clearly explains how the accident happened. 

Under Texas’s modified comparative fault rule, even a small percentage of fault assigned to you can reduce the compensation you receive. A Houston personal injury attorney will work to minimize any claim of fault against you and will advocate for a fair and accurate assessment of liability based on the facts.

If you’ve been in a car accident in Houston, it’s important to keep records of all related costs. This includes medical bills, missed work, transportation to appointments, prescriptions, and physical therapy. Hold on to receipts, invoices, and pay stubs, as they may be used to support your claim.

Writing down your symptoms, daily struggles, and how your injuries affect your routine can also help. This personal record gives your Houston car accident lawyer more detail about how the accident has changed your life.

Understanding Economic Damages After a Houston Car Accident

Economic damages are the financial losses you face after an accident. These include the cost of medical care, both now and in the future, the income you lost from missing work, and any decrease in your ability to earn money moving forward. 

If your car or other property was damaged, repair or replacement costs are included as well. Keeping detailed records makes it easier to show the full extent of these losses.

Non-Economic Damages in Texas Car Accident Claims

Non-economic damages relate to the personal effects of the crash. These may involve physical pain, emotional struggles like anxiety or depression, and lasting injuries that change how you live. 

If you can no longer enjoy activities you once loved, that may also be part of your claim. A Houston personal injury lawyer can help explain these losses and seek fair compensation for them.

How Social Media Can Impact Your Car Accident Claim

Posting about your accident or recovery online can harm your case. Insurance companies and lawyers for the other driver often look at social media to find anything that weakens your claim. Even casual photos or comments may be taken out of context and used to suggest your injuries are not serious.

Tips for Protecting Your Claim on Social Media

The safest choice is to avoid posting about the accident, your injuries, or your recovery. Even with strong privacy settings, your posts may still be found and used during the legal process. If you're unsure about what’s safe to share, ask your Houston car accident lawyer for guidance.

Law offices and desks where judges and legal assistants discuss and advise on legal matters.

After a car accident, dealing with injuries, insurance companies, and legal paperwork can be overwhelming. Insurance adjusters aim to settle for as little as possible. A Houston car accident lawyer from AP Law Group can protect your interests, handle communication, gather evidence, and push back against low settlement offers.

We understand Texas personal injury law and know how to build strong claims. Our team handles every step, so you can focus on your recovery.

  • How We Handle Negotiations: We send a demand letter outlining the accident, your injuries, and requested compensation. If the insurer offers too little, we negotiate for a better result or prepare for legal action.
  • When a Lawsuit Becomes Necessary: If negotiations fail, we may file a lawsuit. Many cases still settle before trial, but we’re fully prepared to take your case to court if needed.
  • No Upfront Legal Fees: You pay nothing unless we win. Our contingency fee structure lets you pursue your claim without added financial stress.

With the right legal team on your side, you can move forward with confidence, knowing your case is being handled by professionals who are committed to getting the results you need.

FAQs for Houston Car Accident Lawyers

What if the other driver doesn’t have insurance after a Houston accident?

Texas law requires drivers to carry liability insurance, but some still drive uninsured. If the at-fault driver lacks coverage, you may be able to file a claim through your own uninsured/underinsured motorist (UM/UIM) policy. This type of coverage helps protect you when the other party cannot pay for your damages.

How long does it take to settle a car accident claim in Houston?

The time it takes to resolve a claim depends on the case. Simple claims may settle in a few months, especially if injuries are minor and liability is clear. 

More complex cases involving serious injuries, disputed fault, or extended negotiations may take a year or more and could move into litigation if a fair settlement is not reached.

What compensation can I recover after a Houston car accident?

In a Texas personal injury claim, you may recover compensation for both economic and non-economic damages. Economic damages include medical expenses, lost wages, property damage, and reduced earning ability. Non-economic damages may include pain and suffering, mental distress, disfigurement, and loss of enjoyment of life.

Do I have to go to court for my car accident case in Houston?

Not always. Most car accident claims are resolved through settlements without going to trial. However, if the insurance company refuses to offer a fair amount or disputes fault, filing a lawsuit may be necessary. A Houston car accident lawyer at AP Law Group will prepare your case and represent you in court if needed.

What if I was partly at fault for the accident?

Texas uses a modified comparative fault rule. If you are found partly responsible, your compensation will be reduced by your percentage of fault. 

You can still recover damages if your share is 50% or less. If it’s more than 50%, you cannot collect compensation. A thorough investigation by your attorney can help minimize any fault assigned to you.

Schedule a Free Consultation with a Houston Car Accident Lawyer

A car accident in Houston can create serious challenges, from managing injuries and missing work to dealing with insurance companies that may not have your best interests in mind. During this time, your focus should remain on your health and recovery.

At AP Law Group, we handle the legal process on your behalf, providing careful attention to the details of your case and working to recover full compensation for your injuries and losses.

You should not have to accept a settlement that falls short of what your case may be worth. Taking legal action can help protect your rights and hold the at-fault party accountable.

To schedule your free consultation and speak with a Houston personal injury lawyer, call AP Law Group at (713) 913-4627. You pay no legal fees unless we successfully recover compensation on your behalf.