How Long Do I Have to File a Car Accident Claim?

How Long Do I Have to File a Car Accident Claim

Texas law requires you to report an accident within two years in order to file an insurance claim. The claims process can be difficult to navigate on your own, so consider working with an experienced car accident attorney in order to simplify the experience and maximize the compensation you receive.

The Texas Personal Injury Statute of Limitations

All states have imposed statutory limits on the amount of time you have to go to civil court and file a lawsuit after you have suffered some type of harm. These deadlines vary depending on what type of case you want to file, but this kind of law is called a “statute of limitations.”

In Texas, the statute of limitations for personal injury cases gives you two years from the date of the injury to file a lawsuit in the state’s civil court system.

It’s crucial to understand and comply with this rule. If you don’t get your lawsuit filed before the two-year window closes, the Texas civil court system will likely refuse to hear your case, and your right to compensation will be lost. The filing deadline could be extended (or measured by a different timeline) in certain circumstances. Talk to an experienced Texas attorney for details on how the statute of limitations applies to your situation.

Note that if your injury occurred due to the negligence of an employee or agency of the government (whether at the local or state level) in Texas, you’ll need to play by a different set of rules if you want to get compensation for your losses (more on this a few sections below).

Texas Shared Fault Rules

In some personal injury cases, the person or business you’re filing a claim against argues that you are actually to blame (at least partially) for the incident that led to your injuries. If you do share some degree of liability, it can end up affecting the total amount of compensation you can receive from other at-fault parties.

In shared-fault injury cases, Texas follows a “modified comparative negligence rule,” meaning that the amount of compensation you’re entitled to receive will be reduced by an amount that is equal to your percentage of fault. But if you’re found to bear more than 50 percent of the legal blame, you can’t collect anything at all from other at-fault parties.

Here’s an example of how it works. You are rear-ended at a stoplight, but one of your brake lights isn’t working at the time. During a civil trial, the jury decides that you were 25 percent at fault for the accident, while the other driver was 75 percent to blame. Your damages add up to $20,000. How does your share of the fault affect your compensation? Under Texas’s modified comparative negligence rule, your compensation will be reduced to $15,000 (or the $20,000 total minus the $5,000 that represents your share of fault for the accident.)

Texas courts are obligated to follow this rule in an injury lawsuit that makes it to trial, and don’t be surprised if the other side’s insurance adjuster raises the issue of Texas’s comparative negligence rule during injury settlement negotiations.

Caps on Injury Damages in Texas

Some states place limits on the types of compensatory damages an injured person can receive after a successful personal injury trial.

In Texas, statutory limitations on damages only apply to medical malpractice cases. These caps are too complex to fully explain here, but in most medical malpractice cases, non-economic damages (such as those meant to compensate for “pain and suffering”) are limited to $250,000 per defendant, and $500,000 overall. For medical malpractice cases involving wrongful death in Texas, there is a cap that is indexed for inflation. The cap started out at $500,000 back in 1977, but with the inflation adjustment it is now around two million dollars or more.

Remember, these caps do not apply to all personal injury cases across the board, only those stemming from medical malpractice.

Injury Claims Against the Texas Government

If your injury case involves the potential liability of a government entity or employee in Texas—you slipped and fell on an improperly maintained stairway in a state-owned building, for example—you cannot simply file a lawsuit against the government.

Instead, you need to file a formal claim with the governmental unit that you believe may be responsible for causing your injury, and the claim needs to be filed within 6 months of the underlying incident. The claim should include a description of the damage or injury, the time and place of the incident, and a summary account of what happened, according to Tex. Civ. Prac. & Rem. Code section 101.101.

This article offers an overview of laws that could come into play in a personal injury case in Texas. For a full understanding of your best course of action after an injury, learn how to find the right personal injury lawyer for you and your case.

Spanish Speaking Car Accident Lawyer in Houston, Texas

Spanish-speaking individuals can have a more difficult time seeking justice in their personal injury cases due to language barriers. This causes them to not take action against those who have left them with financial devastation and physical trauma. At the Law Office of Beverly R. Caruthers, our team refuses to let a language barrier affect your right to justice and compensation. If you or someone you love has been injured in an accident and is in need of Spanish-speaking legal advice, our team is here for you.

Personal Injury Law Office in Houston, Texas

If you or someone you love has suffered an injury, experienced loss of income, or are unable to work due to a car accident, you can benefit from the services of a Houston car accident expert in your personal injury case. Whether you missed work due to an injury or due to not having access to a vehicle, Attorney Beverly R. Caruthers can help you!


Beverly R Caruthers Law Office
Address: 4141 Southwest Fwy, Suite 620
Houston, TX 77027
(713) 526-9557
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