What to Do After a Car Accident in Texas: Insurance Tips for Local Drivers

Car accidents are an unfortunate reality on Texas roads. From Houston to Dallas, and Austin to San Antonio, knowing exactly what to do after a car accident in Texas can make all the difference in protecting your legal rights and getting your insurance claim approved quickly.

In this guide, we provide Texas-specific steps and insurance tips to help you navigate the aftermath of a crash confidently and legally.

1. Check for Injuries and Call 911 (Texas Law Requires It)

Under Texas Transportation Code §550.026, you're legally required to report any accident involving injury, death, or damage that prevents a vehicle from being safely driven. Call 911 immediately to report the crash and request medical assistance if anyone is hurt.

This step is critical, especially on major highways like I-35 or I-45, where high-speed traffic can pose additional risks.

2. Move to a Safe Area If You Can

If your accident occurred in a busy area like downtown Dallas or near a rural highway, move your vehicle off the road if it’s safe to do so. Texas law allows you to move vehicles to prevent further danger or congestion.

Turn on hazard lights to alert other drivers, especially at night or in low-visibility weather.

3. File a Police Report in Texas

In cities like Houston and Austin, police officers may only respond to major accidents, but you’re still required to file a report if:

There are injuries or fatalities
Property damage appears to exceed $1,000
The vehicles can’t be moved

Ask the officer for the Texas Crash Report (CR-3) and note the case number. You can later access the report through the Texas Department of Transportation Crash Records System (CRIS).

4. Exchange Information with the Other Driver

Exchange these details:

Full name and Texas driver’s license number
Insurance provider and policy number
Vehicle license plate and VIN
Contact info (address, phone)
Location of the crash (e.g., I-10 and Loop 1604 in San Antonio)

Be polite, but don’t admit fault — even if you think you’re partially responsible.

5. Take Photos and Document the Scene

Texas insurance companies often rely heavily on photo documentation. Take clear photos of:

All vehicle damage
Road conditions (construction zones, traffic signs)
Injuries, if any
Other driver’s documents
The wider scene if you're in high-traffic areas like Katy Freeway or Mopac Expressway

6. Contact Your Texas Auto Insurance Provider Promptly

Texas insurers like State Farm, GEICO, Progressive, and USAA all recommend reporting the crash as soon as possible. Use their mobile apps or websites to start the claim.

In Texas, the minimum auto insurance includes:

$30,000 for bodily injury per person
$60,000 per accident
$25,000 for property damage

But many drivers carry more than the minimum, and it's important to know your optional coverage like:

Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision and Comprehensive

7. Track Everything and Follow Up

Keep copies of:

The police crash report
All repair invoices or estimates
Medical treatment costs
Communication with your Texas insurer

This documentation is vital if you later need to work with a Texas personal injury attorney or dispute a claim.

Extra Tip: What if the Other Driver is Uninsured in Texas?

Unfortunately, Texas has one of the highest rates of uninsured drivers. If you're hit by someone without insurance, your Uninsured Motorist Coverage (UM/UIM) may help cover your expenses. File a claim with your insurer and provide as much evidence as possible.

Final Thoughts: Be Prepared for Texas Roads

Whether you're navigating the congestion in Houston or driving long stretches of I-20 through West Texas, accidents can happen. Knowing what to do after a car accident in Texas ensures you're legally compliant and protected financially.

Bonus: Compare Texas Auto Insurance Quotes Online

Texas drivers can often save hundreds by comparing car insurance providers. Use a licensed, Texas-based insurance comparison tool to find policies that offer better coverage at lower rates.

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