CALL 24/7
(903) 287-2787
Free Case Review
No legalese. The exact moves — in order — that protect your health and your claim, from the first minute at the scene to the call that changes everything.
Wrecks are chaos. Here's the short list, in order — the moves that protect
your health and your claim while everything's still fresh.
If you can, move vehicles out of traffic and turn on hazards. Check yourself and others for injuries before anything else — adrenaline hides pain, so don't assume you're fine.
Even for a fender-bender. A police report is independent proof of what happened, and EMS on record matters later. If the other driver begs you not to call, that's exactly when you should.
Both vehicles, all angles, the damage, license plates, the road, skid marks, traffic signs, the other driver's insurance card, and your own injuries. More is always better — you can't go back later.
The other driver's license, insurance, and plate — plus every witness's name and phone number. Witnesses leave and disappear. Their account today can be worth thousands tomorrow.
Go to the ER or an urgent-care clinic the same day, even if you feel okay. Soft-tissue injuries surface days later, and a gap in treatment is the first thing insurers use to deny your claim.
Before you give any statement to an insurance company, talk to a lawyer — for free. Once we're involved, the calls stop coming to you and the lowball game gets a lot harder for them.
The insurance company is hoping you do at least one of these. Don't give them the gift.
At the scene, an apology gets twisted into an admission of fault. Check on people, but don't accept blame.
Not the other driver, not the police, not an adjuster. You don't have the full picture yet, and you're not required to guess.
The insurance company's friendly call is recorded and built to trap you. "It goes through my attorney" is a full sentence.
The fast offer is the cheap offer. Signing the release ends your claim forever — including injuries you haven't found yet.
"I'll tough it out" costs you twice: your health, and the gap insurers use to argue you weren't really hurt.
That photo of you smiling at a barbecue becomes Exhibit A that you're "fine." Stay off social media about the wreck.
Every box you check is a piece of your case the insurance
company can't argue with. Save this page and work the list.
Every Texas accident claim runs against a clock. Some deadlines are years away; the most important ones are today.
Evidence is freshest and witnesses are still reachable. The strongest cases start the same day.
Insurers move fast with a lowball release. Once you sign, your claim is closed for good.
If a city, county, or state vehicle was involved, special notice deadlines hit long before the 2-year mark.
Texas' statute of limitations. Miss it and your right to recover is gone — no matter how strong the case was.
Deadlines vary by who's involved and the facts of your case. This is general information, not legal advice — the only way to know your real deadline is to ask. That call is free.
When you're rattled and your hands are shaking, you won't remember a checklist. Print this, fold it, and keep it where you'll find it — the
glovebox, your wallet, your phone case.
CALL 24/7
903-287-2787You pay nothing unless we win. OHELLNO · Athens · Dallas · Kaufman
We're not a 1-800 number routing you across the country. We're down the road in Athens, Dallas, and Kaufman.
METROPLEX
COUNTY SEAT
Free consultation. We pick up the phone, even at 3 am. No fees unless we win your case. That’s the deal.