The other driver carries $30,000 in liability coverage. Your surgery bill alone cleared that number before you left the hospital.
Texas requires drivers to carry only the thinnest possible policy, and a serious crash turns that legal minimum into a ceiling you cannot live under. Your medical bills keep arriving. Your paycheck is missing.
The at-fault driver's insurer is already suggesting you caused some part of the wreck, while your own carrier takes calls about whether they will cover what the other side cannot. Adjusters move quickly.
Hospitals want payment now. The statement request form shows up in your email before you have hired a lawyer or finished an MRI.
Cowen | Rodriguez | Peacock, The Trucking Trial Lawyers, represent seriously injured drivers and passengers across Texas from our San Antonio headquarters.
When minimum policies fall short and insurers stall, our Texas car accident lawyers stack every available source of coverage, challenge every lowball offer, and prepare the case for trial if the money does not come honestly.
Call (210) 941-1301 for a free consultation today.
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Why Choose Cowen | Rodriguez | Peacock for Your Texas Car Accident Case?
Most Texas car accident claims settle for a fraction of what they are worth because the insurance industry is built to push injured people through the pipeline as quickly and cheaply as possible. Our firm was built for the cases that demand more.
- Board-certified trial attorneys: Michael Cowen is Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization, and Malorie Peacock holds Board Certification in Truck Accident Law from the National Board of Trial Advocacy. Board certification places us among a small fraction of Texas lawyers credentialed at the highest level in our field.
- Results that pressure insurers: Our firm has secured outcomes including a $10.5 million judgment in a catastrophic injury case and a $4 million jury verdict in a commercial vehicle crash. Insurers know that record when our name appears on a file.
- Layered coverage investigation: Most victims stop at the at-fault driver's policy. We pursue every available layer of coverage, including primary liability, underinsured motorist, umbrella policies, commercial coverage, and employer liability when the other driver was on the clock.
- Direct attorney access: You speak with a lawyer, not a case manager running a script. We return calls, we listen, and we keep you informed from intake to verdict.
- Trial-ready from day one: We love the courtroom, and Texas adjusters know our reputation for taking cases in front of juries. That reputation translates into stronger settlement offers early.
- No fee unless we recover: You pay nothing up front. Our fee comes only from what we bring in for you.
When a Texas insurer treats your case as a line-item loss, the answer is a firm that treats it as the life-changing event it actually is.
Challenges Texas Car Accident Victims Face and How We Solve Them
Car crashes in Texas present specific problems tied to low minimum coverage, aggressive insurer tactics, and the state's comparative fault rule. Our firm has the tools to deal with each one.
- Underinsured at-fault drivers: Texas requires only $30,000 per injured person, $60,000 per accident, and $25,000 for property damage under Transportation Code Section 601.072. A catastrophic injury burns through that in a day. We pursue your underinsured motorist coverage to close the gap.
- Uninsured and hit-and-run drivers: A substantial share of Texas drivers carry no insurance at all. When the at-fault driver cannot pay, we turn to your uninsured motorist policy and litigate it with the same preparation as any third-party claim.
- Recorded statement traps: The at-fault driver's insurer calls within days and asks for a recorded statement. Adjusters are trained to elicit language that reduces the value of the claim. We intercept those calls and run every communication through our office.
- Comparative fault arguments: Texas follows modified comparative fault under Chapter 33 of the Civil Practice and Remedies Code. Defense lawyers push aggressively to shift 30 or 40 percent of blame onto injured drivers to shrink the award. We counter with crash reconstruction, phone records, and witness statements.
- Medical billing pressure: Hospital bills arrive long before any settlement lands. We work with providers who accept letters of protection so you receive treatment without collectors chasing you.
- Lowball first offers: Insurers routinely offer 10 to 20 percent of case value in the first 60 days, hoping injured drivers sign before they understand what the injury will cost over time. We reject premature offers and build the file that shows the real number.
Each of these problems has a legal counter, and we apply them from the first week on.
Who Qualifies for Legal Help After a Texas Car Accident
You may have a valid Texas car accident claim if any of the following describe your situation:
- Injured drivers: You were driving a passenger vehicle when another motorist caused the collision.
- Injured passengers: You were a passenger in any vehicle involved in the crash, including the at-fault driver's car.
- Hit-and-run victims: A driver struck your vehicle and fled the scene, leaving you with injuries and no identified defendant.
- Uninsured motorist claimants: The at-fault driver carried no insurance or coverage below what your injuries require.
- Catastrophic injury survivors: You sustained a traumatic brain injury, spinal cord damage, multiple fractures, internal injuries, or permanent disability.
- Wrongful death victim families: You lost a spouse, parent, child, or sibling in a fatal Texas car crash.
Texas Civil Practice and Remedies Code Section 16.003 gives most car crash victims two years from the date of the collision to file suit. Waiting hurts the case. Witnesses lose memories, physical evidence disappears, and insurers harden their positions.
Types of Texas Car Accident Cases We Handle
Our firm handles the full range of passenger vehicle collisions across Texas highways, city streets, and rural roads:
- Rear-end collisions: Crashes caused by distracted, tailgating, or speeding drivers following too closely behind stopped or slowing traffic.
- Intersection and T-bone crashes: Drivers running red lights, failing to yield, or misjudging gaps in cross traffic at controlled and uncontrolled intersections.
- Head-on collisions: High-speed impacts caused by wrong-way drivers, improper passing attempts, or drivers crossing the center line.
- Drunk driving crashes: Collisions caused by intoxicated motorists, which often support exemplary damages claims.
- Distracted driving crashes: Collisions tied to texting, app use, eating, or other inattention behind the wheel.
- Rollover and single-vehicle crashes: Wrecks caused by defective tires, roadway hazards, or reckless driver behavior.
- Multi-vehicle pileups: Chain-reaction crashes on Texas highways involving three or more vehicles with complex fault allocation.
- Highway and interstate crashes: High-speed wrecks along I-10, I-35, I-20, I-27, I-37, I-45, Loop 1604, and other major Texas corridors.
- Wrongful death claims: Fatal car crashes brought on behalf of surviving Texas family members under the Texas Wrongful Death Act.
Whatever the facts of your crash, the core questions stay the same: who was at fault, what coverage applies, and what are the full damages. We answer all three.
Compensation Available in a Texas Car Accident Claim
Texas law allows recovery across three damage categories, and serious car accident cases often involve all three.
Economic damages cover measurable financial losses:
- Medical expenses: Emergency response, hospital stays, surgeries, ICU care, rehabilitation, prescription medication, diagnostic imaging, and projected future treatment.
- Lost wages: Income missed during recovery, including overtime, bonuses, tips, and self-employment earnings.
- Loss of earning capacity: Reduced ability to perform your job or advance in your career because of lasting injuries.
- Property damage: Repair or replacement of your vehicle, phone, and personal belongings damaged in the crash.
- Out-of-pocket costs: Transportation to medical appointments, home modifications, and in-home care.
These numbers stack quickly when injuries linger, and full documentation requires coordinated input from medical providers, economists, and life care planners.
Non-economic damages cover the human toll:
- Physical pain and suffering: Chronic pain, ongoing injury symptoms, and permanent physical limitations.
- Mental anguish: PTSD, anxiety, depression, and emotional trauma from the crash.
- Disfigurement and impairment: Scarring, amputation, and permanent loss of body function.
- Loss of consortium: Harm to the relationship between you and your spouse caused by the injuries.
Exemplary damages may also be available under Texas Civil Practice and Remedies Code Chapter 41 when the at-fault driver acted with gross negligence, including drunk driving, street racing, or deliberate reckless conduct.
Insurance coverage sources multiply the value of a case when properly identified. The at-fault driver's liability policy is the starting point. Your own uninsured and underinsured motorist coverage, MedPay or Personal Injury Protection, umbrella policies, and employer coverage when the other driver was working at the time of the crash can all add to the total recovery.
Call us at (210) 941-1306 for a free consultation or contact us below. No cost to you unless we win.
FAQs About Texas Car Accident Claims
What is the minimum car insurance required in Texas?
Texas requires drivers to carry at least $30,000 per injured person, $60,000 per accident for bodily injury, and $25,000 for property damage under Transportation Code Section 601.072. These minimums fall well below what a serious crash actually costs, which is why underinsured motorist coverage often becomes the most important policy in a catastrophic case.
What should I do after a Texas car accident?
Call 911, accept medical evaluation even if you feel fine, document the scene with photos and video, exchange information with the other driver, request the police report, and contact a Texas car accident lawyer before giving any statement to an insurance adjuster. Adrenaline masks soft tissue injuries and head trauma for hours or days, and early medical records protect the claim.
What if the other driver says the crash was my fault?
Texas follows modified comparative fault under Texas Civil Practice and Remedies Code Chapter 33. You may recover damages as long as your share of responsibility is 50 percent or less, though your award is reduced by your percentage of fault. Defense lawyers routinely push for inflated comparative fault findings, and we push back with crash reconstruction and physical evidence.
How long do I have to file a car accident lawsuit in Texas?
Most Texas car accident injury claims carry a two-year filing deadline under Texas Civil Practice and Remedies Code Section 16.003. Wrongful death, claims against governmental defendants, and claims involving minors may follow different timelines, and some require written notice within months of the crash.
Should I accept the insurance company's first offer?
Initial offers are typically a fraction of real case value. Insurers push early settlements to lock in savings before the full medical picture develops. Review any offer with a lawyer before signing anything, because signing a release generally ends the claim for good.
What if the driver who hit me was uninsured?
Uninsured motorist coverage on your own auto policy pays when the at-fault driver cannot. Texas insurers must offer UM and underinsured motorist coverage at the time of purchase, and most drivers have it unless they declined in writing. UM claims run adversarially against your own insurer, and the same legal preparation used in third-party lawsuits applies to those fights.
How much does it cost to hire Cowen | Rodriguez | Peacock?
Our firm works on a contingency fee. No retainer, no hourly billing, and no fee at all unless we recover money for you.
Speak With a Texas Car Accident Lawyer Today
The calls from adjusters do not stop. The bills do not wait. The window for preserving evidence, documenting your injuries, and filing suit closes faster than most people realize. You need a firm that answers those calls for you, protects your case from day one, and prepares every file as if it is going to trial.
Cowen | Rodriguez | Peacock, The Trucking Trial Lawyers, stand ready to identify every source of coverage, counter every blame-shifting defense, document the full value of your losses, and stand in front of a Texas jury when the numbers do not add up. Our record of multimillion-dollar verdicts and settlements tells insurers exactly what to expect.
Call (210) 941-1301 now for a free consultation with a Texas car accident lawyer. No cost to you unless we recover money for your injuries. Our team answers 24/7, and Spanish-language support is available.
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Cowen Law - Texas Office
Address: 6243 I-10 #801, San Antonio, TX 78201
Contact No: (210) 941-1306