What to Do if Someone Sues You After a Car Accident in Texas?

Being sued after a car accident in Texas can feel overwhelming, but understanding the steps you should take can greatly influence the outcome of your case. If you’ve received a lawsuit, how you respond is critical. This article outlines essential actions to protect your rights, navigate the legal process, and mitigate potential financial losses.

Review the Lawsuit Carefully

Upon receiving a lawsuit, take the time to review it thoroughly. This legal document will include important information, such as the claims being made against you, the damages sought by the plaintiff, and the deadline for responding to the lawsuit. The court typically allows you only a limited amount of time to file a response, so it’s important to take action immediately.

Contact Your Insurance Company

When you know you’ve been sued, notify your car insurance company. Most car insurance policies include coverage for legal defense, meaning your insurance provider will appoint a lawyer to represent you in the lawsuit. Failing to inform your insurance company could lead to complications or even denial of coverage, leaving you personally responsible for the cost of legal defense and any resulting judgment.

Read More: Can I Sue My Own Auto Insurance Company in Texas?

Understand Your Insurance Coverage

Texas requires drivers to have liability insurance, but not all policies are created equal. The coverage provided by your insurance may vary depending on your policy’s liability limits. If the damages sought exceed your policy limits, you could be personally liable for any amount that surpasses those limits. Understanding the extent of your insurance coverage will help you gauge your potential financial exposure.

File a Response to the Lawsuit

In Texas, once you’ve been served with a lawsuit, you typically have 20 days (plus the next Monday) to file a formal written response, called an “answer.” Your answer addresses the plaintiff’s claims, either admitting, denying, or stating that you lack sufficient information to admit or deny each allegation. Failing to file an answer within the required time can result in a default judgment, meaning the court could automatically rule in favor of the plaintiff without hearing your defense.

Work Closely with Your Attorney

Maintaining clear communication with your legal counsel is essential whether your insurance company provides an attorney or not. Provide your attorney with all the details about the accident, including any photos, witness statements, and reports you may have collected. Your lawyer will help build a defense strategy, assess whether any counterclaims are appropriate, and advise you on potential settlement options.

Note the Potential Conflict:

Understand that your insurance company can use “in-house” or employee attorneys to defend your case in Texas. Or hire an attorney whose bread is buttered by the insurance company business. The potential for conflict is obvious. Demanding that your attorney settle the case against you is often a necessary approach to protecting yourself.

Consider Settlement Options

Many car accident lawsuits in Texas are resolved through settlements rather than going to trial. A settlement occurs when both parties agree to resolve the case for an agreed-upon amount, typically less than the plaintiff originally sought. Settling a case can save time, reduce legal fees, and provide certainty compared to the unpredictable nature of a jury trial. Your attorney will negotiate with the plaintiff’s legal team and evaluate whether a settlement offer is in your best interest.

Read More: Dealing With a Car Accident in Texas Where You’re at Fault 

Prepare for Court, If Necessary

Your case may go to trial if a settlement cannot be reached. During this time, your attorney will work with you to gather evidence, secure expert witnesses if necessary, and prepare arguments to challenge the plaintiff’s claims. Texas courts follow strict rules regarding evidence and procedure, so adhering to deadlines and following legal requirements is vital. Be prepared to testify about the accident and your actions during the event.