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You can open a Hays County car wreck claim yourself – but trusting the insurance to decide what’s fair is like letting a fox guard the henhouse. The place people get tricked by the insurance the most is the recorded statement. The other two common tricks are a blanket-medical authorization and a swoop-and-settle release. Call Injured Texan at 210-512-2222 before you call the insurance – even if you don’t want to hire them. Free consultation. No fees unless we win.
People often think a lawyer will take part of their money or cost them money out of pocket – call InjuredTexan.com to hear the truth on how it works before you decide to wing it on your own.
People often wonder: Can I handle this myself? Won’t a lawyer just take part of my money? I was just in a car wreck, what do I do? Or why do I need a lawyer for a car wreck? Why not see what the insurance will pay me without a lawyer first? Same answer for all of those: the insurance company hopes you call them first – insurance doesn’t want you to know what the lawyers at InjuredTexan.com can tell you for free.
Get off the road. Call 911 if anyone is hurt or the cars are in the lane. Get checked the same night, even if you feel able to drive home. Soft-tissue pain often shows up the next day, and a gap in care gets read as proof you were not hurt. Photograph both cars, the lane, and the light or the sign. Get names before people leave. Ask for the CR-3 (police report). Do not guess your speed on the shoulder.
San Marcos city-limits crashes are investigated by San Marcos PD. County-road crashes go to the Hays County Sheriff. That covers I-35 through San Marcos, Kyle, and Buda, Ranch Road 12, Wonder World, Hopkins, TX-80, and US-183. Texas Department of Public Safety is often involved for catastrophic or 18-wheeler wrecks. The San Marcos office is at 219 N Comanche St. If you are still in the area, that is the call.
The other driver’s insurer usually calls the next morning, sometimes that night. You do not have to give them a recorded statement but Texas is a one-party consent state, so they can record without telling you. “You’re okay, right?” is the line they keep. A guess about speed becomes a fault argument. Texas proportionate responsibility can cut the recovery by your share of fault, and a finding over 50 percent can bar it.
Texas Civil Practice and Remedies Code 33.001 can cut the recovery by your share of fault, and a finding over 50 percent can bar it. Texas Penal Code 16.02 is why the adjuster can record without telling you. Caselaw also makes verbal settlements binding. What the insurance never tells you: you do not have to give a statement.
Do not sign a blanket medical form. It pulls records that are not this wreck. Do not sign a release to see a number. That paper is the claim. Do not trust the insurance company to decide what’s fair. Do not take a knife to a gun fight: talk with the lawyers at InjuredTexan.com for free.
Allstate’s internal memorandums leaked: the company’s number one goal when speaking with someone who was just in a car wreck is to make sure that person never speaks with a lawyer.
The Supreme Court in Jacobsen v. Allstate, 2013 MT 244, recited Allstate’s claims redesign. Represented claims settled for 2 to 3 times more than unrepresented claims, and perhaps up to 5 times. Allstate told people not to hire a lawyer and warned that lawyers would take 40% percent. Allstate hid that represented files paid more. Jacobsen signed an unrepresented release six days after the wreck for $3,500 and 45 days of medical pay. After he hired a lawyer, that release was pulled and the claim later resolved for about $200,000.
Jacob Alford. Injured Texan PLLC dba Alford Law. Office at 219 N Comanche St, San Marcos, TX 78666. See his Super Lawyers profile, the car wreck page, or contact the office.
You can – but you shouldn’t. The insurance companies plan is to prevent you from speaking with a lawyer because then they have to pay more. Call 210-512-2222 for a free consultation 24/7 and give us a chance to explain the rules before trusting an insurance company that is trained to trick you.
Get medical care the same night and photograph both cars before they are towed. Do not give a recorded statement on the shoulder of I-35 or a San Marcos side street. Call 210-512-2222 for a free consultation with Jacob Alford personally.
Get off the highway, then do the same three things: medical care, photos, and no statement from the curb. I-35 through San Marcos, Kyle, and Buda is the corridor this office covers. Jacob Alford lives here and his office is across from the little HEB – call him at 210-512-2222 for a free consultation. Big insurance is not your neighbor – Jacob Alford is.
A minor wreck is where the adjuster still asks for a recording and a release. Those two papers can cut the claim even when the cars look drivable. The consult is free: 210-512-2222.
Stop letting them record you further. Insurance adjusters are trained to delay, deny, and diminish claims – call 210-512-2222 before you sign a medical form or a release, even if you’ve already made the mistake of giving a recorded statement.
A Texas car-wreck injury claim is generally two years under Civil Practice and Remedies Code 16.003, but a wreck with a city or county vehicle can have a much shorter notice deadline. Do not wait. Insurance adjusters are trained to delay, deny, and diminish claims – InjuredTexan.com doesn’t get paid until you get paid, and makes a percentage of what you get paid: which makes it pretty easy to believe that we will get you the most money possible, as soon as possible.
The consult is free, including tonight. There is no fee unless there is a recovery. The number is 210-512-2222. The office is 219 N Comanche St, San Marcos, Texas 78666.
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