Should I Call the Other Driver's Insurance Company After an Accident in Texas?
After a car accident, many Texans wonder whether they should contact the other driver’s insurance company. The short answer is: yes, but carefully—and preferably after consulting an attorney.
Contacting the Other Driver’s Insurance
In Texas, which is an at-fault insurance state, the at-fault driver is generally responsible for paying for damages to your vehicle and any injuries. Because of this, it makes sense to reach out to the other driver’s insurance company to file a claim. Doing so early can speed up the repair and claims process.
However, it’s important to be cautious when speaking with the other driver’s insurer. Insurance companies may try to get statements or recorded conversations that could limit your compensation. Always consider contacting an experienced personal injury attorney first to understand your rights and how to handle communications.
When You May Need to Use Your Own Insurance
There are situations where you may need to go through your own insurance:
If the other driver is uninsured or underinsured, you may use your uninsured/underinsured motorist coverage if you have it.
If you were partially at fault, your coverage may be required to repair your vehicle.
If you only have liability coverage, you may not be covered for your own damages in these cases.
Having optional coverage like collision or UM/UIM can protect you when the other driver’s insurance isn’t sufficient to cover your losses.
Why You Should Talk to an Attorney
Car accidents can be complicated, especially when fault is disputed or injuries are involved. A personal injury attorney can:
Advise whether you should communicate with the other driver’s insurance.
Help protect your legal rights and maximize compensation.
Ensure all deadlines and claims processes are followed correctly.
Calling the other driver’s insurance company without legal guidance may unintentionally affect your claim, so it’s wise to proceed carefully. Your attorney can handle these communications for you or guide you on what to say.
