Last updated: July 31, 2026 · Written by John C. Hubbard, Attorney
Help After a Serious Texas Accident
If someone else caused your car wreck, truck crash, or other serious accident in Texas, you may be entitled to compensation for your medical expenses, lost income, pain, impairment, and other losses. John C. Hubbard represents injured people in Texas and helps clients address a problem many injury firms overlook: the financial damage that can develop while the insurance claim is still pending. Call 832-410-8121, or start your case completely online.
Texas Injury Cases the Firm Evaluates
The firm evaluates Texas car wrecks, commercial-truck and 18-wheeler crashes, motorcycle collisions, pedestrian and bicycle injuries, rideshare accidents, and other serious injuries caused by negligence. The firm also evaluates wrongful-death claims arising from fatal accidents.
Every case starts the same way: a free phone consultation, a candid assessment of what happened, and an honest answer about whether you have a viable claim that the firm is able to accept. Accepted personal injury cases are handled on a contingency-fee basis: you do not owe an attorney’s fee unless the firm obtains a recovery. Case expenses are advanced by the firm and reimbursed only from a recovery; if there is no recovery, the firm absorbs the case expenses.
What Compensation May Be Available?
Depending on the facts, a personal injury claim may seek compensation for past and future medical expenses, lost income, reduced earning capacity, physical pain, mental anguish, physical impairment, disfigurement, property damage, and other legally recoverable losses. In a fatal accident, eligible family members may have wrongful-death claims, and the estate may have a survival claim. The available damages depend on the evidence, the nature of the injury, insurance coverage, and the parties involved.
What Should You Do After a Texas Accident?
- Get medical care, and do not delay medically necessary treatment while waiting on the liability insurer
- Photograph the vehicles, the scene, and your visible injuries before anything is moved or repaired
- Get the crash report and the other driver’s insurance information
- Identify witnesses and note what they saw
- Ask nearby businesses and homes about camera footage before it is overwritten
- Keep every bill, record, and piece of correspondence, and track missed work
- Talk to a lawyer before giving any recorded statement to the other driver’s insurance company
Evidence has a short shelf life: video may be overwritten, vehicles may be repaired, physical evidence may be lost, and witnesses’ memories may fade.
How Texas Injury Claims Work
Texas’s two-year deadline
A Texas personal injury claim generally must be filed within two years of the date of injury, although the deadline can vary with the facts, the parties, and the type of claim, and claims against governmental entities can carry much shorter notice deadlines. Do not sit on a Texas injury claim.
What if you were partly at fault?
Texas uses a proportionate-responsibility system. In general, your recovery may be reduced by your percentage of fault, and a claimant assigned 51 percent or more of the responsibility generally cannot recover damages. That makes the fault fight central in Texas cases, and it is one more reason to preserve evidence early.
Dealing with the insurance companies
You generally do not have to give a recorded statement to the other driver’s insurance company, and it is usually wise to speak with a lawyer first. Your own policy may require reasonable cooperation, including a statement in some circumstances, but you should still get advice before providing one. Early statements are often used later to minimize the claim.
What Happens After the Firm Accepts a Case?
The firm investigates how the accident happened, preserves available photographs and video, obtains reports and relevant records, identifies potential defendants and insurance coverage, documents the client’s injuries and financial losses, communicates with insurers, and prepares the claim for settlement or litigation. Serious cases are evaluated from the beginning with the possibility that a lawsuit may be necessary.
When an Injury Causes Financial and Credit Problems
An injury claim may not be the only legal problem created by an accident. When the facts support a separate consumer claim, the firm can evaluate both matters instead of requiring the client to start over with an unrelated lawyer.
Medical bills sent to collections
Liability insurers generally do not pay an injured person’s bills as they arrive. If medical debts are inaccurately reported, collectors misrepresent what is owed, or collection conduct violates the law, a separate consumer claim may exist. See medical bills in collections during your injury claim.
Missed payments and repossession
An injury can interrupt income and make car payments difficult. Being behind does not permit a lender or repossession company to use unlawful force, breach the peace, or disregard required sale procedures and notices. See car repossessed after an accident took your income and Houston wrongful repossession.
Debt-collection harassment
Federal and Texas law restrict threats, deception, harassment, and other abusive collection practices. See Dallas debt collection harassment.
Credit-reporting damage
Incorrect balances, duplicate accounts, false late payments, and accounts that do not belong to you may be disputed under federal law. A bureau or furnisher that fails to conduct a reasonable investigation may face liability, depending on the circumstances. See credit report errors and Houston credit report errors.
These are separate claims governed by separate laws. Representation in an injury matter does not automatically mean that a viable consumer claim exists or that the firm will accept the additional matter.
Why Work With John C. Hubbard, LLC?
John C. Hubbard has practiced law since 2008 and has represented consumers and injured clients in Texas and Alabama. His litigation experience includes jury trials, federal appeals, wrongful-repossession cases, credit-reporting claims, debt-collection cases, and accident-related disputes. That background helps the firm recognize legal and financial problems that may be overlooked when an injury claim is treated in isolation.
The firm evaluates cases throughout Texas, with a particular focus on the Houston and Dallas–Fort Worth regions. Consultations are available by phone, documents can be completed electronically, and clients generally do not need to travel to an office to begin a case.
Texas Personal Injury FAQs
What compensation can I recover after a Texas accident?
Depending on the facts and evidence, a claim may seek past and future medical expenses, lost income, reduced earning capacity, physical pain, mental anguish, physical impairment, disfigurement, and property damage. No result can be promised; the recoverable damages depend on the injury, the proof, and the available insurance.
How much does a Texas injury lawyer cost?
Accepted injury cases are handled on a contingency-fee basis: no attorney’s fee is owed unless the firm obtains a recovery. Case expenses are advanced by the firm and reimbursed only from a recovery; if there is no recovery, the firm absorbs the case expenses. Consultations are free.
Should I use my health insurance after a wreck?
Generally, do not delay medically necessary care while waiting on the liability insurer. Using health insurance often reduces what is ultimately owed through negotiated rates, although reimbursement, lien, and billing issues may need to be addressed later in the case.
What should I bring to the first consultation?
The crash report, photographs, both drivers’ insurance information, medical records and bills you have so far, proof of missed work and lost income, any communications with insurers, and any video you know about.
How long will my Texas injury case take?
It depends on your treatment, whether liability is disputed, the insurance limits, the extent of your damages, and whether a lawsuit becomes necessary. Cases resolve when the facts are developed, not on a stock timeline, and settling before the full extent of your injuries is known is usually a mistake.
The insurance adjuster wants a recorded statement. Should I give one?
You generally do not have to give a recorded statement to the other driver’s insurer, and it is usually wise to speak with a lawyer first. Your own policy may require reasonable cooperation, but get advice before providing a statement to any insurer.
Can you handle the debt collectors and my injury case at the same time?
The firm can evaluate and, when accepted, handle both matters. The injury claim and any collection, repossession, or credit-reporting problems are separate legal matters with separate defendants, and each is evaluated on its own facts.
Start Your Case Online
Call 832-410-8121 or use the contact form to start your case without making a phone call.
This website provides general information and is not legal advice. Viewing the website, submitting a contact form, or speaking with the firm does not create an attorney-client relationship. An attorney-client relationship is created only through a written engagement agreement signed by the client and the firm. Do not send confidential or time-sensitive information until the firm confirms that it represents you. Every matter is different. Past results do not guarantee or predict a similar outcome. Responsible attorney: John C. Hubbard. Principal office: Birmingham, Alabama. John C. Hubbard is licensed in Texas and Alabama.