My Car Accident Claim Was Closed — Can I Reopen It?
It’s not uncommon for car accident claims to be closed before you’ve fully recovered or received all the compensation you might be entitled to. Whether the insurance company initially denied your claim, or you accepted a settlement that later seems insufficient, Texas law provides limited options to reopen a claim under certain circumstances.
When Can a Claim Be Reopened?
In Texas, reopening a car accident claim depends on the statute of limitations and the specific facts of your case. Generally:
New evidence emerges: If important information was unavailable during the original claim—such as medical documentation proving more severe injuries—you may have grounds to reopen.
Insurance company errors or misrepresentation: If the insurer acted in bad faith or failed to disclose key policy information, reopening may be possible.
Discovery of additional damages: Sometimes, injuries develop or worsen after a claim is closed. You may be entitled to additional compensation if these damages are directly linked to the accident.
The statute of limitations for personal injury claims in Texas is generally two years from the date of the accident. Once this period passes, it becomes much more difficult—or even impossible—to reopen your claim, so acting promptly is crucial.
Why You Need an Attorney
Reopening a closed claim can be legally complex, particularly when dealing with insurance companies that may resist additional payments. An experienced personal injury attorney can:
Review your original claim and settlement agreement
Determine whether new evidence or damages justify reopening
Communicate with the insurance company and negotiate additional compensation
Protect your rights under Texas law and the statute of limitations
Without proper guidance, attempting to reopen a claim on your own may be denied outright or leave you vulnerable to legal pitfalls.
Conclusion
Even if your car accident claim was closed, you may still have options to pursue the compensation you deserve. Consulting a knowledgeable personal injury attorney promptly can help you understand whether reopening your claim is possible and guide you through the legal process to maximize your recovery.
