Car Accident Attorney — Conroe & Greater Houston, TX

Texas follows a modified comparative fault system called Proportionate Responsibility under CPRC Chapter 33. You can still recover damages as long as your percentage of fault does not exceed 50%. If you are found 51% or more at fault, you recover nothing under CPRC § 33.001.

If you are partially at fault but at 50% or below, your damages are reduced by your fault percentage. For example, if you are found 30% at fault and your total damages are $100,000, you recover $70,000. Insurance companies routinely attempt to push fault above 50% to eliminate their obligation entirely — which is why evidence collection and legal strategy from the start of a claim matter enormously.

Texas does not cap compensatory damages in most car accident cases. Recoverable damages include: past and future medical expenses, lost wages and loss of earning capacity, pain and suffering, mental anguish, physical impairment and disfigurement, and property damage.

In cases involving egregious conduct — such as a drunk driver, street racing, or other grossly reckless behavior — punitive (exemplary) damages may also be available under CPRC Chapter 41. Exemplary damages are subject to statutory caps: the greater of $200,000 or two times economic damages plus up to $750,000 in non-economic damages.

Call 911 so a police report is made — this is often the foundation of your claim. Seek medical attention immediately, even if you feel fine. Many serious injuries (concussions, spinal injuries, soft tissue damage) are not immediately apparent, and delayed treatment gives insurers grounds to argue your injuries weren’t caused by the accident.

Document the scene with photographs of vehicles, the road, skid marks, and your visible injuries. Get witness contact information. Do not give a recorded statement to the other driver’s insurance company before consulting an attorney — statements made early in the process can be used to minimize your claim. Contact an attorney before accepting any settlement offer.

Texas law requires minimum liability coverage of $30,000 per person / $60,000 per accident / $25,000 property damage (30/60/25). Despite this requirement, a significant number of Texas drivers carry the minimum or no insurance at all. When an at-fault driver is uninsured or underinsured, your own Uninsured/Underinsured Motorist (UM/UIM) coverage is typically the primary recovery path — if you carry it.

Texas does not require UM/UIM coverage, but insurers are required to offer it. If you have it, we pursue it aggressively. We also review all available coverage sources — your own policies, household policies, and any employer coverage that may apply.

Yes — but read the paperwork carefully before you do. It is common and often sensible to resolve property damage quickly so you can get your vehicle repaired or replaced while your injury claim is still pending. However, some settlement documents contain release language broader than just the vehicle claim. Before signing any settlement paperwork, confirm in writing that the release is limited to property damage only and does not waive your right to pursue a separate injury claim.

Never settle your injury claim before you have reached maximum medical improvement (MMI) and understand the full extent of your damages. Once a release is signed on the injury claim, you cannot go back for more, even if your condition worsens.

Possibly. Texas law does not prohibit insurers from raising rates after a not-at-fault accident, and many carriers consider any claim — regardless of fault — as a reason to reassess premiums. Whether your rate increases depends on your specific insurer, policy terms, and claims history. If you settle the other driver’s insurance claim directly (rather than going through your own insurer), you may be able to avoid triggering your own policy. An attorney can advise on the implications of different recovery paths for your specific situation.