Getting in a car accident is stressful. Knowing exactly what to do — and what NOT to do — can mean the difference between a fair settlement and getting shortchanged by insurance. Here's your step-by-step guide.
Safety first. Check yourself and passengers. If anyone is injured, call 911 immediately. Even if injuries seem minor, get checked — adrenaline masks pain.
Texas law requires you to move vehicles out of traffic if the accident is minor and cars are driveable (TX Transportation Code §550.022).
Get the other driver's: name, phone, insurance company and policy number, driver's license number, license plate. Take photos of their ID and insurance card.
Take photos of: all vehicle damage (every angle), the accident scene, skid marks, traffic signs, your injuries. The more evidence, the stronger your claim.
In Texas, a police report is required if the accident involves injury, death, or property damage over $1,000. Always request one — it's crucial evidence for your claim.
Many injuries (whiplash, concussions, internal bleeding) don't show symptoms for days. A medical record from right after the accident is critical evidence for your claim.
You're entitled to a rental car while yours is being repaired — at no cost to you if the other driver was at fault. Car Crash Value partners with rental providers to get you in a matching vehicle fast.
Report the accident to your insurance company, but keep it factual. Don't give recorded statements to the OTHER driver's insurance without consulting an expert first.
Before talking to any insurance adjuster, know what your claim is really worth. Use our free accident calculator to estimate your injury settlement and your car's diminished value.
Even after a perfect repair, your car is worth LESS because it now has an accident on its history. In Texas, you can claim this "diminished value" from the at-fault driver's insurance. The average DV claim is $4,200.
For any injury requiring medical treatment, an attorney typically increases your settlement by 3-4x (even after their fee). Texas attorneys work on contingency — you pay nothing unless they win.
Most accident victims only pursue one claim. But after a car accident, you likely have TWO:
Car Crash Value helps you with both — plus a free rental car while your vehicle is being repaired. One stop shop.
Free calculator for both your injury claim and your car's diminished value.
⚡ Calculate My Claims →