Texas Car Accident / Car Wreck? Here's What NOT to Say to Insurance Companies to Protect Your Rights & Maximize Your Claim. Have you've just been in a Texas car crash? Insurance adjusters already have a game plan — and it's NOT in your favor. They're counting on you to panic, accept blame, and say the wrong things that could cost you thousands in compensation you deserve.
Contact Lone Star Injury Attorneys: 📞 Discuss Your Case: (832) 726-1818 🌐 Website: LoneStarInjuryAttorneys.com
What You'll Learn: The exact words to avoid when adjusters ask "How are you feeling?" Texas's modified comparative negligence rule (51% fault = $0 recovery) Why recorded statements are optional and how to delay them The property damage settlement trap that kills injury claims When to stop talking to adjusters and call an attorney
Key Takeaways: ✅ Under Texas law, 51% fault means zero recovery — adjusters hunt for blame-shifting statements ✅ You have NO obligation to give recorded statements to other driver's insurance ✅ "I'm fine" can destroy your injury claim — say "I'm being evaluated by doctors" ✅ Property damage releases often include hidden injury claim waivers ✅ Independent medical exams are actually "defense medical exams" designed against you
Chapters (Timestamps): 00:00 — The Insurance Company's Secret Plan (Why They Want You to Talk) 01:24 — What Adjusters Are Really Trying to Do 02:42 — First Phone Call Strategy (You Control the Conversation) 03:37 — The Most Dangerous Questions They Ask 05:37 — How to Handle Medical Information Requests 06:46 — Questions About Vehicle Damage and Speed 07:35 — The Property Damage Settlement Trap 08:32 — Independent Medical Examination Demands 09:22 — Recorded Statement Ground Rules 10:06 — The Settlement Discussion Trap 11:17 — When You Should Stop Talking to Adjusters 12:00 — Understanding Bad Faith in Texas
Texas-Specific Legal Protections You Need to Know: Modified Comparative Negligence: 51% fault bars all recovery under Civil Practice and Remedies Code 33.003 Two-Year Statute of Limitations: File lawsuit within 2 years or lose rights forever Seatbelt Law Protection: Not wearing seatbelt can't prove negligence (Transportation Code 545.413) Bad Faith Insurance Laws: Companies must deal fairly under Deceptive Trade Practices Act
Critical Mistakes That Cost You Money: ❌ Saying "I'm fine" when asked about injuries ❌ Accepting blame or speculating about fault ❌ Giving recorded statements while in shock/on medication ❌ Signing property damage releases with hidden injury waivers ❌ Settling before knowing full extent of injuries
Red Flags: What Insurance Companies Hope You'll Say: "I'm fine, just a little sore" "Maybe I could have been going slower" "I didn't see the other car coming" "I think I'll be okay in a few days" "Sure, I'll sign whatever to get my car fixed"
Why This Matters Right Now: Insurance adjusters receive extensive training on psychological tactics to minimize payouts. One careless sentence can cost you tens of thousands in compensation. Every conversation is building their case against you.
Real Case Impact: Clients who follow these guidelines typically recover significantly more than those who don't. Don't become another tragedy case — a woman accepted $3,000 for knee pain, then needed surgery and lifetime complications.
*Important Legal Disclaimer* This is educational content only and does not constitute legal advice. Viewing this video does not create an attorney-client relationship. Every accident is unique — consult with a licensed Texas attorney about your specific situation immediately.
Next Video: "When Should You See a Doctor After a Texas Car Accident?" — Critical timing, how delays hurt your case, and who pays the bills. : https://youtu.be/B43iykzrNvk
If you've been in a recent Texas accident, stop watching and call an attorney NOW. Every minute you delay affects both your legal rights and potential compensation.
