Insurance claims
Dealing with the insurance company after a Texas crash
What to expect from the major insurers Texas drivers carry, and how to handle recorded statements, low offers, denials and property damage. General information, not a promise of any result.
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By insurance company
State Farm claims
How a State Farm car accident claim works in Texas, whether State Farm insures you or the driver who hit you, and how to protect your injury claim.
Read the guide
GEICO claims
How GEICO car accident claims work in Texas: app and phone reporting, digital damage estimates, injury claims, and what to watch before you settle.
Read the guide
Progressive claims
Texas guide to Progressive car accident claims: inspection-only payouts, network shops, injury claims against a Progressive driver, and your own coverage.
Read the guide
Allstate claims
How Allstate car accident claims work in Texas: QuickFoto photo estimates, agents versus adjusters, injury claims, and the Texas case that shapes them.
Read the guideUSAA claims
USAA car accident claims in Texas for military families and anyone hit by a USAA driver: reporting, injury claims, UM/UIM, and service-member deadlines.
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Farmers claims
Farmers car accident claims in Texas: which Farmers company is on the policy, filing online, injury claims against a Farmers driver, and your own coverage.
Read the guideTexas Farm Bureau claims
Texas Farm Bureau Insurance car accident claims: county offices, the 24-hour claims line, rural crash issues, death indemnity coverage, and injury claims.
Read the guideHandling the claim
Recorded statements
Do you have to give the other driver's adjuster a recorded statement in Texas? What the law requires, what your own policy requires, and how to respond.
Read the guideLowball settlement offers
Why Texas insurers make low first offers, how to respond to a lowball settlement offer, and when a policy-limits demand puts pressure on the insurer.
Read the guideClaim denied
What to do when a Texas car accident claim is denied: who denied it, why, the deadlines your own insurer must meet, and how to challenge the decision.
Read the guideTotal loss and diminished value
How Texas total loss valuations work, how to dispute a low actual cash value, and when you can claim diminished value after repairs.
Read the guideCar repairs and rental cars
Who pays for car repairs and a rental after a Texas accident, your right to choose the repair shop, and how to claim loss of use from the at-fault driver.
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First-party vs. third-party claims
The difference between a first-party and third-party insurance claim after a Texas crash, which coverage pays when, and why it changes your rights.
Read the guideTDI complaints
How to file a Texas Department of Insurance complaint about a car insurance claim, what TDI can and cannot do, and when a complaint helps your case.
Read the guideWe take the financial risk, not you
If we don’t win your case, you don’t owe us a fee.
Start your free case reviewClients may be responsible for case expenses, such as court costs, as set out in the written fee agreement.