The Texan’s Guide to Car Wrecks · Chapter 1
You don’t have to solve it all at once.
The wreck may have taken seconds. The questions arrive all at once:
Is everyone safe? Where did the car go? Who pays the doctor? Why is an
adjuster already calling?
Start with the people. Then protect the information and deadlines. That sequence guides Jacob Alford’s explanations at InjuredTexan.com: you do not have to solve the entire claim from the shoulder of I-35 or a hospital waiting room.
This guide is built for people dealing with wrecks anywhere in Texas. Injured Texan is based in San Marcos. The questions here are statewide; the details of a particular wreck still matter. You can read the guide in order or go straight to the problem in front of you.
Start with the question in front of you
5 questions answered
At the scene: safety comes first
Move to a safer nearby place when it is safe to do so, but do not drive an unsafe vehicle or move an injured person unnecessarily. Getting a photograph is never worth another collision.
Stop, check whether anyone needs help, and fulfill the duties that apply before leaving. Moving a drivable car out of a lane is different from leaving the scene. Texas has a specific prompt-movement rule for qualifying metropolitan-freeway crashes when every involved vehicle can be driven normally and safely. That is not an instruction to move every wreck or to drive while hurt or disoriented. If you are unsure, tell the emergency dispatcher what is blocking the road and follow instructions. Texas Transportation Code §§550.021–550.023; TxDOT collision guidance.
Find your question
5 questions answered
Your health: get the right care
Use emergency services for danger signs. For other symptoms or uncertainty about an injury, contact a healthcare professional promptly for the right level of care. A guide cannot examine you, and the absence of visible damage does not decide whether you are injured.
After a possible concussion, emergency warning signs include a worsening headache that will not go away, repeated vomiting, seizures, weakness, new slurred speech, unusual confusion, loss of consciousness, or trouble waking. Call 911 or seek emergency care immediately for these signs. Children may also have inconsolable crying or refuse to nurse or eat. CDC symptom and danger-sign guidance.
Find your question
4 questions answered
The paperwork: know who needs what
Texas requires immediate notice to the appropriate law-enforcement agency when a crash results in injury or death, or a vehicle cannot be driven normally and safely. Call 911 for an emergency. Otherwise, use the proper agency’s reporting route and ask what it needs. Texas Transportation Code §550.026.
Do not confuse your notification duty with the officer’s duty to prepare and file a crash report. The apparent $1,000-damage threshold in the officer-report statute is not a general permission for a driver to skip reporting an injury crash. §550.062.
Find your question
5 questions answered
The next few days: make a workable plan
Put health and immediate deadlines first, then stop avoidable losses and organize the claim.
The loudest caller is not necessarily the most urgent task. An adjuster’s deadline, a court deadline, an enrollment deadline, and a towing deadline can mean different things. Record who gave the date and what it supposedly controls; get it checked rather than guessing.
Find your question
- How do I decide what to handle first?
- What can someone help me organize while I recover?
- How do I track several claims from the same wreck?
- What if health coverage is about to end while care is continuing?
- What if bankruptcy, benefit status or another legal restriction could affect who may accept money?
Attorney reviewed by Jacob Alford · November 11, 2026
Disclaimer
Jacob Alford, a Texas personal injury lawyer, and Injured Texan PLLC at InjuredTexan.com provide this guide for general information, not legal advice about your particular claim. You are specifically warned about the dangers of attempting to handle a claim yourself.
In Jacobsen v. Allstate, the Court described Allstate’s own internal research that being represented (having a lawyer) meant a claim typically settled for 2–3 times as much. Allstate’s own research also showed that having a lawyer could multiply a recovery perhaps up to 5 times.
The Court documented the internal workings of Allstate’s training for its adjusters and showed just how rigged talking to Big Insurance can be. Read Allstate’s script and judge for yourself: Inside the Insurance Playbook: Jacobsen v. Allstate.
A recorded statement is designed to be used against you, and a verbal settlement can give up valuable rights. Get advice before a voluntary recorded interview or accepting an offer.
You do not need to decide whether to hire a lawyer before asking questions. Jacob Alford and Injured Texan PLLC at InjuredTexan.com offer a free, no-obligation discussion of the process, even if you do not want to hire a lawyer: 210-512-2222. Before you settle, make the free call.

