A car accident can upend your life in a matter of seconds. One moment you're driving to work or picking up your kids — the next, you're dealing with pain, a damaged vehicle, missed time from work, and an insurance company that is already working to minimize what it owes you. If you were hurt in a collision caused by someone else's negligence, you have the right to pursue full compensation for everything that crash has cost you, and you don't have to face that fight alone.
Texas handles auto accident claims under a modified comparative fault system, meaning you can still recover damages even if you share some responsibility for the crash — as long as your fault is determined to be 50% or less. What this also means is that insurance adjusters will often try to assign a greater share of blame to you in order to reduce your payout. Having an experienced attorney in your corner from the start prevents that from happening.
At The Garza Law Firm, we have spent over 50 years representing car accident victims across San Antonio and South Texas. We know how these cases are investigated, how insurance companies think, and how to build the kind of evidence-based case that results in real, meaningful compensation. Whether your case settles or goes to trial, we fight for every dollar you are owed — and you pay nothing unless we win.
Key Facts About Auto Accidents in Texas
TxDOT reported 15,299 serious injury crashes on Texas roads in a single recent year — one serious injury crash every 34 minutes.
Texas follows a modified comparative fault rule (Tex. Civ. Prac. & Rem. Code § 33.001): you can recover damages as long as you are not more than 50% at fault, but your award is reduced by your percentage of fault.
The statute of limitations for auto accident personal injury claims in Texas is two years from the date of the crash (Tex. Civ. Prac. & Rem. Code § 16.003) — missing this deadline typically bars your claim entirely.
Texas requires all drivers to carry minimum liability coverage of $30,000 per person / $60,000 per accident / $25,000 property damage, but many at-fault drivers carry only the minimum or are uninsured.
Whiplash and soft-tissue injuries may not appear on imaging immediately after the crash — delaying medical treatment can be used by insurers to argue your injuries were pre-existing or not accident-related.
Common Questions About Auto Accidents
Should I accept the insurance company's first settlement offer?
Almost never. First offers are designed to close your claim quickly and cheaply — before you fully understand the extent of your injuries or future medical costs. Once you sign a release, you cannot go back and ask for more. Always consult an attorney before accepting any settlement.
What if the other driver doesn't have insurance?
Texas law allows you to pursue an uninsured/underinsured motorist (UM/UIM) claim through your own insurance policy if you have that coverage. We can also explore other avenues — such as pursuing the at-fault driver personally or investigating whether a third party (like a vehicle owner or employer) shares liability.
How long will my auto accident case take?
It depends on the complexity of your injuries and the insurance company's willingness to negotiate fairly. Many straightforward cases resolve within several months. Cases involving severe injuries, disputed liability, or uncooperative insurers may take longer — and some proceed to trial. We keep you informed at every stage.
What damages can I recover after a car accident in Texas?
Texas allows recovery for medical expenses (past and future), lost wages, loss of earning capacity, pain and suffering, mental anguish, disfigurement, and property damage. In cases involving gross negligence — such as a driver who was street racing or texting — punitive damages may also be available.
You Don't Have to Figure This Out Alone
When you hire The Garza Law Firm, we guide you through every step of the legal process so you can focus on what matters most — your recovery.
Free Case Evaluation
We review the facts of your accident, your injuries, and any documentation you have. This consultation is completely confidential and costs you nothing.
Investigation & Evidence Preservation
We immediately begin gathering the police report, accident scene photos, witness statements, traffic camera footage, and any available black box data before evidence disappears.
Medical Documentation
We work with your medical providers to ensure all injuries are fully documented and connect you with specialists if needed. A strong medical record is the backbone of your claim.
Demand & Negotiation
Once your medical condition has stabilized, we prepare a detailed demand package and present it to the insurance company. We negotiate aggressively for a settlement that reflects the full value of your case.
Filing Suit When Necessary
If the insurer refuses to offer fair compensation, we file a lawsuit and take your case to court. Our attorneys are experienced trial lawyers who do not back down under pressure.
Resolution & Recovery
Whether your case settles or is decided by a jury, we ensure you receive your compensation promptly and that all liens and medical bills are properly resolved before your funds are disbursed.
Ready to Discuss Your Case?
Contact The Garza Law Firm today for a free, no-obligation consultation. There is no fee unless we win.
Get Your Free Consultation