Houston Car Accident Lawyer for Serious Injury Cases

Some of our recent car accident case results.

What I Look at First in a Serious Houston Car Accident Case

After more than four decades of handling serious injury cases, I know maximizing your compensation is built on the evidence—the facts that prove what happened, show the full impact of the injuries, and give us leverage with the insurance company.

How did the crash happen?

The police report matters, but it is only one piece of the story. I want photographs, video, witness information, vehicle damage, traffic controls, and any electronic evidence that may help explain the collision. In a disputed case, small details can become important later.

What evidence could be lost?

Houston is full of cameras, but video is not kept forever. Businesses, apartment complexes, parking facilities, toll systems, and private security systems may overwrite footage. Witnesses move, memories fade, and damaged vehicles get repaired or sold. When the injuries are serious, I would rather investigate early than try to recreate missing evidence months later.

Does the medical story fit the crash?

Insurance companies look for gaps in treatment, prior injuries, inconsistent symptoms, and anything else they can use to argue that the crash did not cause the problem. I look at the whole medical timeline: what changed after the collision, what the doctors found, what treatment is still needed, and whether the injury affects work or daily life.

Where is the insurance coverage?

In a major injury case, identifying every available policy can be as important as proving fault. The obvious driver may not be the only source of coverage. Employer policies, rideshare coverage, commercial policies, and uninsured or underinsured motorist benefits can matter depending on the facts.

What Should You Do in the First 48 Hours After a Houston Car Accident?

 Protect your health first. Then protect the evidence. You do not need to build your own lawsuit from the side of the road, but a few basic steps can prevent avoidable problems.

• Get medical care when you are hurt or develop symptoms. Adrenaline can hide pain for hours.
• Call the police when required under Texas crash reporting law and obtain the crash report information.
• Take photographs or video of the vehicles, road, traffic controls, visible injuries, and anything else that may explain what happened.
• Get the witnesses’ names and phone numbers before they leave.
• Save bills, repair estimates, towing records, photographs, emails, texts, and proof of missed work.
• Be accurate when you speak. Do not guess about speed, distance, fault, or injuries you do not yet understand.
• Do not sign a release just because an insurer offers quick money before the medical picture is clear.

For a fuller step-by-step guide, read what to do after a Houston car accident. The Texas Department of Insurance’s auto-claim guidance also recommends documenting the scene, collecting driver information, and keeping claim records. If you do not have the crash report yet, here is how to get a Houston accident report.

When Does It Make Sense to Hire a Houston Car Accident Lawyer?

Not every fender-bender needs a lawyer. A property-damage-only claim with no injury and no coverage dispute may be something you can handle on your own. Legal help becomes more important when the crash causes a serious injury, fault is disputed, multiple vehicles are involved, a business or rideshare driver may be responsible, insurance coverage is unclear, or the adjuster is pressuring for a statement or a quick release.

Two problems I repeatedly see throughout my career: people do not act quickly in getting the right lawyer, or they settle before they know the full extent of an injury. Getting advice early does not mean filing a lawsuit immediately. It means understanding what needs to be done before a decision becomes hard to undo.

See our more detailed guide on when to hire a car accident lawyer in Houston.

How Baumgartner Law Firm Builds a Serious Car Accident Case

A lawyer should do more than forward medical bills to an adjuster and wait for an offer. In a serious case, the work is usually more deliberate.

We investigate while the evidence is still available

We obtain available crash records, photographs, video footage, witness statements, and other evidence to help establish fault. When the facts warrant it, we consult experts and conduct additional investigations rather than relying solely on the police report.

We identify the people and companies that may be responsible

Most collisions involve another driver, but some cases also involve an employer, vehicle owner, rideshare company, contractor, commercial operator, or product defect. Identifying the right defendants can change both the proof and the available insurance.

We build the medical proof around the person, not just the bills

The amount billed is not the whole case. We look at diagnosis, treatment, limitations, future care, lost income, changes in activity, and the effect on family life. For serious injuries, the future can matter more than the first emergency-room bill.

We prepare with litigation in mind

Most claims settle. That does not mean they should be prepared as if a trial could never happen. When an insurer disputes fault, causation, or value, the ability to prove the case in court becomes leverage in settlement negotiations.

If you want a realistic picture of timing, read how long a Texas car accident case can take.

Where Serious Houston Car Accidents Happen

Houston car crashes are not all alike. A high-speed wreck on I-45 can present very different evidence and injury issues from a collision at a neighborhood intersection.

We see major crashes on I-45, I-10, I-69/US-59, Loop 610, Beltway 8, Highway 290, Highway 249, FM 1960, and major surface streets throughout Harris County. Freeway cases may involve multiple vehicles, lane-change disputes, commercial traffic, severe impact forces, and video or roadway evidence that must be located quickly. Intersection cases often turn on who had the right of way, who failed to yield, whether a driver was distracted, and whether nearby businesses captured the collision.

TxDOT publishes 2025 Texas motor vehicle crash statistics and operates the Crash Records Information System, which provides access to official Texas crash reports and statewide crash data.

 Statistics help show the scope of the problem, but they do not prove why one particular crash happened. That still requires evidence from the individual case.

For a closer look at high-speed freeway cases, see our Houston highway accident guide.

What Insurance Companies Commonly Dispute

 Insurance companies do not evaluate serious injury claims by simply adding medical bills. In disputed cases, adjusters and defense lawyers will focus on the following issues.

Whether the crash caused the injury

A prior neck, back, shoulder, or knee problem does not automatically defeat a claim, but the medical history will matter. The key question is often what changed after the collision and whether the medical evidence connects that change to the crash.

Whether the treatment was reasonable and necessary

The insurer may question the length of treatment, specialist referrals, injections, surgery recommendations, or gaps in care. That is why consistent medical documentation matters.

Whether you share part of the blame

In Texas, even a partial-fault argument can change the amount recovered. Adjusters know that disputed lane changes, speed, following distance, and right-of-way issues often receive close attention.

Whether future losses are actually proven

Future medical care, reduced earning ability, impairment, and long-term limitations need evidence. A serious claim is stronger when the future is supported by medical, vocational, employment, or other reliable evidence rather than estimates alone.

Texas Laws That Can Affect a Houston Car Accident Claim

Texas law can affect both the value of a car accident claim and the steps that must be taken after a serious crash. After more than 40 years of handling injury cases, I have learned that proving fault is only part of the job. We also need to know what insurance is available. We need to spot any special deadline. And we need to know which traffic rules fit the facts of the wreck.

Texas Drivers Are Only Required to Carry 30/60/25 Liability Coverage

Texas requires most drivers who buy liability insurance to carry at least $30,000 for injury to one person, $60,000 total for injuries in one crash, and $25,000 for property damage. These limits are known as 30/60/25 coverage.

Those numbers matter. A $30,000 injury limit may be enough for a smaller claim. It can be far too little when a crash causes surgery, a brain injury, spinal damage, lasting limitations, or months away from work.

When I see a serious injury, I do not assume the other driver’s policy is the only source of recovery. I want to know whether an employer, rideshare company, business, vehicle owner, or another legally responsible party may be involved. I also review the injured person’s own coverage. The goal is to identify all policies that may apply before important claim decisions are made.

The Texas Department of Insurance auto insurance guide also explains the state’s minimum limits and warns that minimum coverage may not be enough after a major crash.

Uninsured and Underinsured Motorist Coverage May Provide Another Source of Recovery

Uninsured motorist coverage, or UM, may apply when the driver who caused the crash has no insurance. It may also apply when the driver cannot be found after a hit-and-run. Underinsured motorist coverage, or UIM, may apply when the at-fault driver has insurance but not enough to cover the injured person’s losses.

Texas law requires auto insurers to offer UM/UIM coverage unless the insured rejects it in writing. See Texas Insurance Code Section 1952.101. In a serious Houston crash, this coverage can be very important when the other driver has only minimum limits.

One point I make to clients is that a UIM claim is not just a request for the unpaid balance. The claim still has to be proved. Fault, injuries, damages, coverage, and the policy terms all matter.

For more details, see our Houston uninsured and underinsured motorist claim guide.

Texas Traffic Laws Can Help Establish Fault

A traffic ticket does not decide a civil injury case by itself. Still, Texas traffic laws often help show whether a driver acted safely. They can also help show whether that conduct caused the crash.

Several rules come up often in Houston car accident cases:

• Following distance. Texas Transportation Code Section 545.062 requires drivers to leave enough clear distance to stop safely based on speed, traffic, and road conditions. This rule often matters in rear-end and chain-reaction crashes.
• Unsafe lane changes. Section 545.060 says a driver on a marked road may not move from a lane unless the move can be made safely. That rule can matter in lane-change crashes on I-45, I-10, Loop 610, and the Beltway 8.
• Section 545.351 requires a speed that is reasonable and safe for the conditions. Drivers must also control speed as needed to avoid a crash. The posted speed limit is not always the only issue.
• Traffic signals. Section 544.007 covers red, yellow, and green traffic signals and the duties tied to them. Signal timing, right-of-way, witnesses, and video can be critical in intersection crashes.

A traffic-law violation can be important evidence. It does not automatically answer every fault question. I still want the physical evidence, video, witness accounts, vehicle damage, and the full sequence of events. A rear-end crash on Loop 610 may depend on following distance and speed. An I-45 wreck may center on a lane change. A crash on FM 1960 may come down to who had the light and whether video confirms it.

For more on intersection proof, see our Houston intersection accident guide. For freeway cases, see our Houston highway accident guide.

Claims Involving the City of Houston Can Have Much Shorter Notice Deadlines

The standard two-year lawsuit deadline is not the only deadline that matters. Claims involving a government unit may be subject to special notice rules. Those rules can require action much sooner.

Under Texas Civil Practice and Remedies Code Section 101.101, a government unit is generally entitled to notice of a claim within six months of the incident. Texas law also recognizes valid city charter notice rules. The City of Houston’s claim notice page states that its charter requires written notice within 90 days for covered claims against the City.

This can matter when a crash involves a City vehicle or a government worker on duty. It can also matter in certain claims involving government property, road conditions, or traffic control. Government immunity and legal exceptions can make these cases harder. Government involvement does not automatically mean a valid claim exists.

It does mean the issue should be spotted early. I would not wait until the standard two-year deadline to ask whether a City, county, state agency, transit authority, or other public entity may be involved.

Drivers Have Legal Duties After a Texas Collision

Texas law imposes duties on drivers after many crashes. Under Transportation Code Section 550.021, a driver involved in a crash that results in or is reasonably likely to result in injury or death must stop. The driver must determine whether someone needs assistance and remain at the scene while completing the required duties.

Section 550.023 also requires drivers in covered crashes to provide identifying and insurance information. It also requires reasonable aid to an injured person when needed. Section 550.026 requires immediate notice to the proper law-enforcement agency when a crash causes injury or death. It also applies when a vehicle cannot be driven normally and safely.

Leaving the scene does not, by itself, prove who caused the original crash. But it can create separate legal problems. It can also make it harder to identify the driver, find insurance, and save evidence.

If you were just involved in a crash, our guide on what to do after a Houston car accident explains the practical steps to protect your health and the evidence.

What Compensation Can You Recover After a Houston Car Accident?

A serious car accident claim can include more than the medical bills already in hand. Depending on the facts, recoverable damages may include past and future medical expenses, lost wages, reduced earning capacity, physical pain, mental anguish, physical impairment, disfigurement, and property damage. In a fatal crash, different damages may be available through a wrongful death or survival claim.

In a serious injury case, I am usually more concerned with what the injury will cost and take away from my client over the next five, ten, or twenty years than with the emergency-room bill from the first night. A fair evaluation should consider future treatment, whether the client can return to the same work, permanent limitations, and how the injury changes daily life. The more serious the injury, the more important it is to document those future losses before discussing a final settlement.

How Much Is a Houston Car Accident Claim Worth?

 There is no honest average that tells you what your case is worth. Value usually turns on the seriousness of the injury, clarity of fault, available insurance, medical proof, lost income, future needs, and whether you share responsibility for the crash.

A case involving temporary soreness and a full recovery is different from a case involving surgery, permanent impairment, brain injury, spinal injury, or loss of earning capacity. The same diagnosis can also produce very different results depending on the person’s job, prior health, recovery, and available coverage.

For more details about the factors that drive value, see our Houston car accident settlement guide.

What if You Were Partly at Fault?

You may still recover damages if your share of responsibility is 50% or less. Your percentage of fault reduces your recovery. If your percentage exceeds 50%, Texas law bars recovery.

For example, if proven damages were $100,000 and you were found 20% responsible, the recoverable amount would be reduced to $80,000. That is why evidence regarding speed, right-of-way, lane position, signals, and driver conduct can have a direct financial impact.

The rule is found in the Texas Civil Practice and Remedies Code, Chapter 33, including the 51% bar in Section 33.001.

Types of Houston Car Accident Cases We Handle

The type of collision can affect fault, evidence, insurance, and injury severity. We handle serious cases involving:

• Rear-end collisions and chain-reaction crashes
• T-bone and side-impact collisions
• Intersection and failure-to-yield accidents
• Highway and freeway crashes
• Distracted driving and texting accidents
• Speeding and unsafe lane-change crashes
• Hit-and-run accidents
• Uninsured and underinsured motorist claims
• Passenger injury claims
• Drunk-driving collisions
• Rideshare and company-vehicle crashes

If the at-fault driver had no insurance, too little insurance, or left the scene, review our Houston uninsured and underinsured motorist claim guide.

Common Injuries After a Serious Car Accident

Car crashes can cause injuries that are obvious at the scene and others that appear later. Common claims involve neck and back injuries, herniated discs, fractures, shoulder and knee injuries, nerve damage, internal injuries, concussion, traumatic brain injury, and spinal cord damage.

One lesson I have learned is not to judge an injury only by how the person feels in the first hour. Adrenaline can mask symptoms. At the same time, a legal claim should be based on medical evidence, not assumptions. Prompt evaluation and accurate follow-up give both the patient and the case a clearer picture.

For a detailed discussion, see common car accident injuries in Houston. Serious head injuries may also require comprehensive tests. See our Houston brain injury lawyer page.

How Long Do You Have to File a Car Accident Lawsuit in Texas?

In most Texas personal injury cases, the statute of limitations is two years from the date the claim accrues. Missing that deadline can forfeit the right to sue, even when the underlying case is strong.

The general rule appears in Texas Civil Practice and Remedies Code Section 16.003. Some cases can involve different or shorter notice requirements, so the safest approach is not to use the two-year date as an investigation deadline. See our guide to the Texas car accident statute of limitations.

From a practical standpoint, waiting also creates a separate problem: evidence can disappear long before the statute expires.

A Different Approach From High-Volume Car Accident Firms

I founded Baumgartner Law Firm in 1985. Over the years, I made a deliberate choice not to build a practice around volume. Serious injury cases take time. The facts need to be learned, the medical evidence needs to be understood, and the client deserves to know who is making the important decisions.

That does not mean every case should become a lawsuit or every settlement offer should be rejected. It means the decision should be based on the case, not on pressure to close a file.

When we accept a serious car accident case, our approach is simple: investigate it carefully, identify the available coverage, document the damages, prepare your case so the other side understands we can prove it, and give you clear advice along the way.

Why Hire Greg Baumgartner for a Serious Houston Car Accident?

 I have handled personal injury cases for more than 40 years. I hold two law degrees and am a graduate of the Trial Lawyers College. My practice focuses on serious injury and wrongful death cases, and I remain personally involved in the matters my firm accepts.

• Houston personal injury practice founded in 1985
• 40+ years of personal injury experience
• Dual law degrees
• Trial Lawyers College graduate
• AV Preeminent recognition
• Super Lawyers recognition
• National Trial Lawyers Top 100 recognition
• Selective, low-volume caseload
• Free consultation and no attorney fee unless we recover compensation