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Even if the wreck isn't your fault, the other driver could claim that you are to blame. In this instance, you must make a report to your insurance company so that you do not get blamed for an incident that wasn't your fault. When you call your insurer, it is crucial to be mindful of what you say.
Texas law requires drivers to report a car accident when: Someone was injured in the car accident. A person died because of the car accident. The car crash caused more than $1,000 in property damage.
You should not wait long to report a car accident in Texas to your insurance company. You may generally have 30 days to file a claim with your insurer. This deadline may be different for each insurance policy.
Texas law requires you to report a car accident to the police only if it resulted in serious injuries, death or property damage that exceeds $1,000 in value. If you fail to report an accident that falls into this category, you could face serious consequences, including incarceration and a fine of up to $5,000.
Failing to report a car accident to the police within a reasonable time frame, especially if the accident resulted in injury, death or major property damage, can result in legal penalties in Texas including fines, loss of driver's license, and even jail time in some cases.
Since some insurers try to deny coverage if a person does not report a collision within 24 hours, it is best to report all accidents immediately. Even if you did not get a ticket at the scene of the accident, report it to your insurance company.
If your insurance company denies the claim or refuses to pay a settlement amount the injured party will accept, you might be sued by the injured party. The lawsuit claims that you caused the accident and should be held liable for the injured party's damages.
Your insurance provider is only liable for payment up to your policy limits. If a car accident victim sues you and receives a judgment for more than your car insurance policy limits, you are personally liable for the amount above your policy limits.