How Long Does It Take to Get My Car Repaired After an Accident in Texas?
The timeline for getting your car repaired after a Texas accident depends on several factors, with fault and insurance coverage being the most important.
1. Fault Determines Who Pays
Texas is a fault state when it comes to auto accidents, meaning the person responsible for causing the crash is generally liable for damages. If the accident is clearly someone else’s fault—like a straightforward rear-end collision—their insurance company will typically handle your car repairs quickly.
However, if fault is disputed or unclear, the repair process can take much longer. Insurance companies may delay or withhold payment until the investigation is complete, which can sometimes take weeks or even months depending on the complexity of the case.
2. Insurance Coverage Matters
Collision coverage: If you have collision insurance, your own company will pay for repairs regardless of who caused the accident. This usually speeds up the process significantly.
Liability-only coverage: If you only have liability insurance, you won’t be able to repair your car unless the at-fault driver’s insurance pays for it. If fault is disputed, repairs may be delayed until the claim is resolved.
3. Other Factors That Affect Repair Time
Parts availability: Specialty or imported car parts can slow down the process.
Severity of damage: Major structural damage or frame issues require longer repair times.
Insurance investigation: If the insurer suspects fraud or needs detailed evidence, approvals may take longer.
4. Why Hiring a Personal Injury Attorney Can Help
An experienced attorney can coordinate with insurance companies to ensure your car is repaired promptly, especially if there is a dispute over fault. They can also handle property damage claims alongside personal injury claims, which can prevent unnecessary delays and ensure you get compensated for both your vehicle and injuries.
By understanding your insurance coverage, documenting the accident, and seeking guidance when needed, you can minimize delays and get your car back on the road as quickly as possible.
