Car accidents can be traumatic and overwhelming, leaving you unsure of what steps to take next. Whether you’re in Texas or Tennessee, understanding the process of filing a car crash claim is crucial to protect your rights and ensure you receive the compensation you deserve. Here’s what you must do following a car accident in these states:

At the Scene of the Accident

1. Check for Injuries: Prioritize the safety of all parties involved. If there are any injuries, call 911 immediately.
2. Move to a Safe Location: If possible, move vehicles to the side of the road to avoid obstructing traffic and further accidents.
3. Exchange Information: Collect the names, contact information, insurance details, and license plate numbers of all drivers involved.
4. Document the Scene: Take photos of the vehicles, damage, license plates, and any relevant road conditions or traffic signs.
5. Witness Information: If there are witnesses, gather their contact information as their statements may be valuable later.

After the Accident

1. Report the Accident:
   • In Texas: You must report the accident to the Texas Department of Transportation (TxDOT) if there are injuries, fatalities, or property damage exceeding $1,000.
   • In Tennessee: Report the accident to the local police, sheriff, or Tennessee Highway Patrol if there are injuries, fatalities, or property damage over $400.
2. Seek Medical Attention: Even if you feel fine, some injuries may not be immediately apparent. Visit a doctor as soon as possible to document any injuries related to the accident.
3. Notify Your Insurance Company: Report the accident to your insurance provider, regardless of who is at fault. Provide them with all the necessary information and documentation.
4. Keep Records: Maintain a file with all accident-related documents, including the police report, medical bills, repair estimates, and any communication with insurance companies.
5. Consult with an Attorney: Especially if there are significant injuries or disputes about fault, consider consulting with a personal injury attorney experienced in car accident claims in Texas or Tennessee. They can help you navigate the legal process and ensure you receive fair compensation.

Filing a Claim

1. Determine Fault: Texas follows a modified comparative fault rule, while Tennessee adheres to a comparative fault system. This means that the amount of compensation you can receive may be reduced by your percentage of fault in the accident.
2. Understand Statute of Limitations: In both Texas and Tennessee, you generally have two years from the date of the accident to file a lawsuit for personal injury or property damage.
3. Negotiate with Insurance Companies: Your attorney can help you negotiate with insurance companies to reach a fair settlement. If a settlement cannot be reached, your attorney can represent you in court.

By following these steps and understanding the specific laws in Texas and Tennessee, you can navigate the aftermath of a car accident more effectively and increase your chances of a successful claim.