Everything changed with the sound of crushing metal on an ordinary Houston street. A normal drive through the city became a nightmare of ambulances, emergency rooms, and endless paperwork that never seems to end. Your car is destroyed, medical expenses keep piling up, and the insurance adjuster is already calling with lowball offers while you can barely move from your injuries. Jim Adler & Associates, The Texas Hammer®, knows Houston’s streets and the games insurers play. We take over your case so you can focus entirely on healing.
Insurance companies have teams of adjusters, investigators, and lawyers who are all working toward one goal. That goal is to pay you as little as possible while protecting their profits. They will rush you to settle before you understand the full cost of your injuries. They will use your own words against you in ways you never expected. They will dispute your medical expenses and question whether you really need the treatment your doctors recommend.
The insurance system is complex, and without professional representation, you risk accepting far less than your claim is worth. Missing critical deadlines could destroy your case entirely before you even realize what happened.
Car and truck accidents devastate Houston families every single day of the year. According to the Texas Department of Transportation, Texas recorded 4,150 traffic fatalities in 2024, with one person killed every two hours on Texas roadways.[1] These are not just statistics sitting on a government report somewhere. They represent families torn apart by someone else’s carelessness behind the wheel.
If you have been hurt in a traffic accident, your first call should be to Jim Adler & Associates. We take over from day one by handling adjuster calls and finding doctors who accept Letters of Protection. A Letter of Protection is an agreement that allows you to receive medical treatment immediately without paying up front, with the provider paid from your settlement. We collect police reports and interview witnesses while building a demand based on your real damages. When the other side disputes fault or value, our Houston traffic accident lawyers are ready to fight for you. No fee unless we win.*
The weeks after a serious accident can feel completely overwhelming for you and your family. You are dealing with painful injuries, missing work, and trying to figure out how you will pay for medical treatment you never expected to need. On top of all that, the insurance company keeps calling and asking questions that make you uncomfortable. You deserve to have someone in your corner who understands what you are going through and knows how to protect your family.
The days immediately following your accident are more important than most people realize. Insurance companies begin building their defense against your claim within hours of the traffic accident. They send investigators to the scene, contact witnesses, and start looking for ways to reduce what they owe you. Every day that passes without legal representation is a day they gain an advantage over your family.
Insurance adjusters negotiate injury claims every single day, and they are very good at their jobs. They understand policy language inside and out, and they use proven tactics to pay injured people as little as possible. Going up against them alone puts you at a significant disadvantage when you are already dealing with injuries and stress.
Many injured people accidentally hurt their own cases without ever realizing what they have done. Some give recorded statements to insurance adjusters without understanding how those words can be used against them. Others post updates about the accident on social media, not knowing that insurance companies monitor those accounts for anything they can use. Signing medical authorization forms can give insurers access to your entire health history, which they will search for pre-existing conditions to blame for your injuries.
Jim Adler, The Texas Hammer®, guides you through the process so you do not make mistakes that hurt your case. We know exactly what insurance companies look for, and we help make sure they cannot use anything against you.
Worrying about legal fees should never stop an injured person from getting the help they need. Jim Adler & Associates works on a contingency basis, which means you pay no attorney fees unless we recover compensation for you.* Our fee is 35% if your case settles, and the fee is 40% if a lawsuit becomes necessary to get you fair compensation.
Houston’s roads are among the most dangerous in Texas, and the statistics prove just how serious the problem has become. According to the Texas Department of Transportation, more than 67,000 motor vehicle crashes occurred in Houston in 2023 alone.[8] That number makes Houston the city with the most traffic accidents in the entire state. Understanding what causes these traffic accidents can help your family recognize when someone else’s negligence played a role in your accident.
Distracted driving has become one of the most common causes of rear-end collisions on Houston roads. When a driver looks down at their phone for even a few seconds, they may not notice traffic slowing or stopping ahead of them. These traffic accidents commonly cause whiplash injuries that can take months to heal. Concussions from hitting the steering wheel or window are also common, along with back injuries from the sudden impact.
Proving that the other driver was distracted requires a careful review of their phone records and any available camera footage. Insurance companies often try to blame the driver in front by claiming they stopped suddenly without any warning. Evidence showing that the rear driver was looking at their phone or otherwise distracted helps establish that they were at fault for the collision.
With thousands of traffic accident lawsuits filed, our numbers speak for themselves.
Head-on collisions are among the most devastating traffic accidents that can happen on any roadway. These accidents often occur when drivers cross into oncoming traffic, enter the wrong side of the road, or travel the wrong way on highway ramps. Fatigue and intoxication are frequent causes of these deadly mistakes. When vehicles collide head-on at highway speeds, serious injuries or death are often the result.
Intersection accidents happen when drivers run red lights or fail to yield when turning left across traffic. Side-impact collisions are particularly dangerous because door panels and side structures provide less protection than the front and rear of a vehicle. These accidents frequently cause traumatic brain injuries, spinal cord damage, and internal injuries that require extensive medical treatment. Proving fault in intersection accidents often requires examining traffic signal timing and obtaining surveillance footage from nearby businesses.
Vehicles with higher centers of gravity face an increased risk of rolling over during sharp turns or sudden maneuvers. SUVs and trucks are particularly vulnerable to this type of accident when drivers lose control. Excessive speed, worn tires, and overloaded cargo can all contribute to a vehicle tipping over. Striking a curb or uneven road surface can also trigger a rollover at highway speeds. Occupants can suffer severe injuries from repeated impacts inside the vehicle, roof crush, or ejection through windows.
Drunk driving traffic accidents kill approximately 34 people every day in the United States, which amounts to one death every 42 minutes.[2] According to the National Highway Traffic Safety Administration, impaired drivers have reduced reaction times and poor judgment that make them extremely dangerous to everyone on the road. These traffic accidents often occur at night or on weekends when intoxicated drivers are more likely to be behind the wheel.
Speeding significantly increases both the likelihood of a traffic accident and the severity of injuries when one occurs. Drivers traveling at high speeds have less time to react to hazards ahead of them. Their vehicles also require much greater distances to come to a complete stop. In some cases, bars or restaurants that continued serving visibly intoxicated patrons may also share liability under Texas dram shop laws. Punitive damages may be available when a drunk driver’s conduct shows extreme recklessness or complete disregard for the safety of others.
Houston’s ongoing construction projects create work zones throughout the city with lane shifts and reduced speed limits. Drivers who fail to slow down or pay attention in these areas can cause traffic accidents that injure construction workers and other motorists. Heavy equipment moving in and out of work zones creates additional hazards that require extra caution from everyone on the road.
Vehicle defects can cause traffic accidents without any warning to the driver or other motorists. Brake systems can fail suddenly, tires can blow out at highway speeds, and airbags can malfunction during a collision. Road debris from trucks or previous accidents also creates unexpected hazards that drivers may not be able to avoid.
Approximately 20% of Texas drivers lack insurance despite legal requirements to carry coverage.[3] When an uninsured or underinsured driver causes a traffic accident, your own uninsured motorist coverage becomes critical for recovering the compensation your family needs. This coverage, often called UM/UIM coverage, protects you when the at-fault driver cannot pay for your damages.
Regardless of how your accident occurred, Jim Adler & Associates will identify every liable party and pursue all available compensation for your family.
The pain from a traffic accident does not always show up right away. Some injuries take hours or even days to reveal themselves, which is why seeing a doctor immediately after your accident matters so much. The following injuries are common in Houston traffic accidents:
Serious injuries like these require serious legal representation on your behalf. Contact Jim Adler & Associates for a free consultation to discuss your accident and injuries.
The moments after a traffic accident can feel chaotic and frightening, and most people have never been through anything like it before. Your mind is racing, your body hurts, and you are trying to figure out what just happened. While every accident is different, understanding what typically happens next can help you feel more prepared during an incredibly stressful time.
We are here to answer your questions and guide you through what comes next. The Texas Hammer® handles communication with insurance companies so you can focus on your health and recovery.
The claims process can feel overwhelming when you are already dealing with injuries and trying to get back on your feet. There are deadlines to meet, paperwork to file, and insurance adjusters who seem to have all the power. Jim Adler & Associates handles the hard work for you so you can focus on your recovery and wellbeing.
You have two years from the date of your accident to file a lawsuit under Texas Civil Practice and Remedies Code Section 16.003.[11] This deadline is firm, and courts rarely grant extensions for any reason. Missing the deadline by even one day typically means losing your right to pursue compensation entirely.
Two years may seem like plenty of time, but the claims process often takes longer than people expect. Your medical treatment may continue for months before anyone knows the full extent of your injuries. Investigation takes time, and insurance companies are rarely in a hurry to respond to requests. The sooner you contact an attorney, the more time we have to build the strongest possible case.
Filing a claim requires submitting detailed documentation to the insurance company for their review. This typically includes the police accident report and all of your medical records and bills. Proof of lost wages, photographs of vehicle damage and injuries, and witness statements may also be required. The insurance company uses this information to determine who was at fault and calculate what they believe your claim is worth.
The adjuster’s initial offer is often much lower than what your claim may actually be worth. They may dispute who was at fault for the accident or question whether your medical treatment was really necessary. They may also argue that your injuries existed before the accident ever happened. These tactics are designed to reduce what the insurance company pays you.
The settlement process involves complex insurance policy language, legal standards for proving negligence, and formulas for calculating damages that most people are unfamiliar with. Research shows that approximately 95% of personal injury cases settle before reaching court.[4] However, the settlement amount depends heavily on how well the claim is presented and negotiated.
Insurance adjusters evaluate bodily injury claims using software and guidelines that often produce lower valuations than what a case may be worth with proper documentation and negotiation. Without legal representation, you may not know whether an offer is fair, what additional compensation you could pursue, or how to effectively counter arguments that minimize your injuries.
Jim Adler & Associates handles all aspects of your claim so you can focus entirely on getting better. We negotiate aggressively for fair compensation and are fully prepared to file a lawsuit if settlement offers remain inadequate. Our experience with insurance company tactics helps us build cases that result in better outcomes for our clients.
After a traffic accident in Houston, you are suddenly dealing with insurance terms, adjusters, and paperwork while also trying to recover from your injuries. Multiple policies might apply to your accident, and each one has different rules and limits that affect what you can recover. Most people have never had to navigate this process before, and that is exactly what insurance companies count on.
Bodily injury claims cover your medical expenses, lost wages, and ongoing treatment costs related to the accident. Personal injury claims go further by also including compensation for pain, anxiety, and loss of enjoyment of life. Insurance companies work hard to minimize these non-economic damages because they are harder to calculate with a simple formula. Jim Adler, The Texas Hammer®, builds the evidence needed to fight for both types of compensation on your behalf.
Insurers demand complete documentation before they will pay anything on your claim. This includes your insurance policies and cards, along with the official police report from the accident. Photos of vehicle damage and your injuries help establish the severity of the Houston traffic accident. Medical records and itemized expenses document what treatment you have received and what it has cost. Witness contact information, employment records showing lost wages, and receipts for any accident-related expenses round out what insurers typically require. Jim Adler & Associates organizes everything properly from day one, so nothing falls through the cracks.
Your traffic accident might trigger several different types of coverage depending on the circumstances. Liability insurance covers damages you cause to others when you are at fault for an accident. According to the Texas Department of Insurance, Texas requires drivers to carry at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 for property damage.[9] A single hospital visit after a serious accident can easily exceed those minimum amounts.
Personal injury protection pays your medical expenses regardless of who was at fault for the accident. Uninsured and underinsured motorist coverage protects you when the driver who caused your accident lacks adequate insurance to pay for your damages. Navigating these different layers of coverage requires knowing which policies apply first and how to maximize what you recover from each one.
Jim Adler & Associates fights for complete compensation that covers everything this accident has cost you. Property damage compensation pays to repair or replace your vehicle and any personal belongings that were damaged. Medical expenses include what you have already paid and what future treatment you will need to fully recover. Lost wages cover the income you have missed while unable to work, and loss of earning capacity addresses any long-term impact on your ability to earn a living. Replacement services compensate you for tasks you can no longer perform yourself, such as household chores or childcare. Pain and suffering acknowledge the physical and emotional toll the accident has taken on your life. In cases involving drunk driving or extreme recklessness, punitive damages may also be available to punish the wrongdoer.
Texas follows a modified comparative fault rule, which means your compensation can be reduced if you share any blame for the accident. If you are found to be 20% at fault for a traffic accident that caused $100,000 in damages, your recovery would be reduced to $80,000. If you are found to be more than 50% at fault, you may not be able to recover anything at all under Texas law.
Insurance companies know this rule and use it to their advantage whenever possible. They will look for any reason to shift blame onto you so they can reduce what they owe. Jim Adler, The Texas Hammer®, fights these tactics with accident reconstruction experts and evidence that proves the other driver bears the greater share of fault for your injuries.
Our Houston traffic accident lawyers help Texans get the financial compensation they deserve. We only get paid if you win.* And we fight to win.
Jim Adler & Associates can file your claim after a traffic accident in Houston and protect you from making mistakes that could forfeit your rights. While you focus on recovery, we navigate the strict rules and deadlines that insurance companies use to deny claims.
You have two years from the date of your accident to file a lawsuit in Texas.[11] This deadline is absolute for most cases, and courts rarely make exceptions for people who miss it. Limited exceptions may exist for minors, incapacitated individuals, and cases where the injury could not have been discovered right away. Courts interpret these exceptions very narrowly, so you should never assume one will apply to your situation. Insurance adjusters will not warn you when the deadline approaches because they benefit when you miss it.
We report your accident to your insurer with only the facts required by your policy. This approach protects you from saying anything that could hurt your case down the road. We handle all communications with insurance companies so that adjusters cannot pressure you or twist your words against you. When insurers refuse to offer a fair settlement, we file lawsuits before deadlines expire to protect your right to compensation.
Insurance adjusters review police reports, interview witnesses, and examine vehicle damage to determine who was at fault. They use this information to calculate what they believe your claim is worth, and then negotiations begin between your attorney and the insurance company.
Most cases settle without ever going to trial, and studies show that approximately 95% of personal injury cases settle before reaching a courtroom.[4] A settlement only works if the offer is fair and covers what this accident has actually cost you. Adjusters use formulas and software designed to minimize what they pay on injury claims. Jim Adler, The Texas Hammer®, counters with evidence-based demands that reflect your true damages and fights until you receive fair compensation.
Jim Adler & Associates transforms chaos into organized legal action by handling everything while you heal. Our legal expertise and negotiation skills counter the tactics that billion-dollar insurance companies use to minimize payouts. You pay nothing up front and no fee unless we win.*
We dispatch investigators to photograph the scene, measure skid marks, and document road conditions before anything changes. We obtain surveillance footage from nearby businesses and download data from vehicle computer systems that record speed and braking information. We also secure cell phone records that may prove the other driver was distracted at the time of the traffic accident. Evidence wins cases, and we move quickly to secure it before it disappears.
We calculate every loss with precision so the insurance company cannot shortchange you. We document medical expenses you have already paid and work with your doctors to project future treatment costs. We verify lost wages through your employment records and work with vocational experts to prove any reduction in your future earning capacity. We also calculate appropriate compensation for your pain and suffering based on the severity of your injuries and how long your recovery will take. We do not guess at what your case is worth because we prove every dollar with solid evidence.
All insurance communication goes through us from the moment you hire our firm. You will not have to deal with adjuster calls pressuring you to accept less than you deserve. You will not have to worry about recorded statements being twisted and used against you later. You will not face settlement offers designed to take advantage of your situation before you understand what your case is worth. We negotiate from a position of strength, with evidence supporting every dollar we demand on your behalf.
When insurers refuse to pay fairly, we file suit to protect your rights and pursue fair compensation. We handle all paperwork and manage the discovery process, which is the formal exchange of evidence between the parties involved in the lawsuit. If a trial becomes necessary, Jim Adler, The Voice of The Victims™, presents your case powerfully to a jury and fights for the compensation you deserve.
We understand personal injury law, insurance contracts, and the tactics adjusters use to minimize payouts. We know which arguments work in negotiations and which ones fail to move insurance companies. This experience matters when you are fighting billion-dollar insurance companies that have nearly unlimited resources to use against you.
While you cannot control other drivers, the following safety practices may help reduce your risk on Houston roads:
When you are hurt and facing a billion-dollar insurance company, you need a law firm with the resources and experience to fight back effectively. Jim Adler & Associates has been standing up for injured Texans since 1973, and we have spent more than 50 years focused exclusively on injury cases. Our team includes more than 30 attorneys and a legal support staff of over 300 people who are ready to work on your case. We are not a small firm that might get overwhelmed when the insurance company pushes back.
Contact Jim Adler & Associates immediately after any traffic accident for a free consultation. You pay no fee unless we win.* Let The Voice of The Victims™ handle the legal battle while you focus on your recovery.
Insurance companies count on confusion to pay you less than you deserve. Understanding your rights matters, but knowledge alone will not protect you from the tactics adjusters use every day. The answers below address some of the most common questions we hear from people who have been hurt in Houston traffic accidents. If you do not see your question answered here, call Jim Adler & Associates, The Texas Hammer®, for a free consultation.
The chaos after a Houston traffic accident makes clear thinking difficult, and most people have never been through anything like it before. You are hurt, scared, and overwhelmed, but every decision matters because every word you say gets recorded and every action affects your claim. Insurance companies know how to exploit this confusion to build defenses against you.
Calling 911 brings help, but it also creates official records that insurance companies will scrutinize for any inconsistencies. Call Jim Adler right away. When you exchange information with the other driver, they might admit fault at the scene and then deny everything later. Their insurance company will back their changed story no matter what they said at the scene.
Documenting the scene properly requires knowing what evidence matters and which angles to photograph. Professional investigators understand these details, and while you are trying to figure it out, critical evidence disappears. Witnesses leave before the police arrive, and those who stay might not have seen what really happened. Insurance companies will contact them later and try to influence their recollections.
Seeking medical care seems obvious, but insurance companies use any delay against you by arguing you were not really hurt. Adrenaline can mask pain for hours or even days after an accident occurs. Notifying your insurer opens a claim, but saying too much gives them ammunition to use against you later.
Jim Adler & Associates handles all of this correctly from day one because we know what to document, what to say, and what to avoid. One call to Jim Adler, The Texas Hammer®, protects your rights during this difficult time. Do not navigate this chaos alone when Jim Ader, The Voice of The Victims™, is ready to guide you.
You have two years from the date of the accident to file a lawsuit under Texas Civil Practice and Remedies Code Section 16.003.[11] When you are dealing with injuries and medical appointments, two years can feel like forever or it can disappear before you realize it. Most people do not think about legal deadlines when they are focused on recovery, and that is completely understandable.
Insurance companies count on you losing track of time while you heal. While you are trying to get back to everyday life, adjusters keep requesting more paperwork and delaying decisions. The clock keeps running even when it feels like nothing is happening with your claim.
If you miss the deadline by even a single day, Texas courts will not hear your case. It does not matter how serious your injuries are or how clear the other driver’s fault is. Once that two-year mark passes, your legal right to compensation ends forever.
Your recovery is hard enough without having to track legal deadlines on top of everything else. Jim Adler & Associates monitors these deadlines carefully, so you do not have to worry about them while you heal.
Insurance companies hope you do not understand the full value of your claim. They focus on obvious damages like car repairs and emergency room expenses because they want you to overlook everything else. Your losses extend far beyond what is immediately visible, and a traffic accident attorney in Houston fights for every category of compensation you deserve.
Medical expenses include far more than just your initial hospital visit after the accident. Future surgeries may be necessary as your condition develops over time. Physical therapy often continues for months or even years after a serious injury. Prescription medications, medical equipment, and home modifications can add up to tens of thousands of dollars. Insurance companies try to minimize future medical needs by arguing that you will heal completely, but many injuries require lifetime care that must be accounted for.
Lost wages seem simple until you calculate the true impact on your life. It is not just missed paychecks during your immediate recovery period. You may have lost overtime opportunities, missed bonuses, and depleted your sick time. Some injuries force people into early retirement or prevent them from returning to their previous jobs entirely. A construction worker who can no longer lift heavy equipment loses decades of potential income.
Property damage extends beyond vehicle repairs to include personal items that were in your car. Child car seats must be replaced after any accident, and rental car costs add up quickly during repairs. Insurance companies fight every expense by claiming items are unnecessary or that costs are inflated.
Pain and suffering compensation acknowledges the human cost of what you have been through. Physical pain affects your daily life in ways that are hard to quantify. Emotional trauma, depression, and anxiety can linger long after your physical injuries heal. Insurance companies hate paying these damages and use computer programs designed to minimize them.
Jim Adler, The Voice of The Victims™, identifies every damage category and fights for maximum compensation on your behalf. Do not let the insurance company shortchange you by accepting an offer that only covers basic expenses.
Determining fault becomes a battle of narratives between you and the other driver. They tell their version, and you tell yours, but insurance companies choose whichever story saves them the most money. Without compelling evidence to support your account, you may lose that battle. Jim Adler, The Texas Hammer®, builds overwhelming proof that forces insurance companies to accept the truth.
Police reports provide official documentation of what happened, but they are not always accurate. Officers arrive after the traffic accident and piece together what happened from conflicting stories and physical evidence. Sometimes they get it wrong or miss critical details that could help your case. Insurance companies exploit any ambiguity in the police report to shift blame onto you.
Witness statements can make or break cases, but witnesses disappear quickly after an accident. Their memories fade over time, and their stories may change as details become fuzzy. Insurance investigators contact them and try to influence their recollections in ways that benefit the insurance company.
A traffic accident reconstruction specialist uses physics, engineering, and forensic analysis to prove what actually happened. Skid mark length reveals how fast vehicles were traveling before the traffic accident. Impact damage shows the angle of collision, and electronic data from vehicles provides exact speeds and brake timing. This complex analysis requires experts who cost thousands of dollars that most people cannot afford on their own.
Jim Adler & Associates invests in top accident reconstruction experts and secures physical evidence before it disappears. We locate and interview witnesses immediately after your accident. We obtain traffic camera footage and dashcam video from nearby sources. We also subpoena cell phone records when we need to prove the other driver was distracted.
Do not let the insurance company control the narrative about what happened in your accident. Jim Adler, The Voice of The Victims™, proves what really happened with evidence they cannot dispute.
Even when the fault seems obvious, insurance companies find ways to blame you for what happened. That red light runner now claims their light was yellow when they entered the intersection. The drunk driver’s insurance argues you could have avoided them if you had been paying closer attention. The person who rear-ended you says you stopped suddenly without any warning. Without an attorney, you are fighting their entire legal team alone.
Being not at fault does not mean your case is easy or that compensation is guaranteed. Insurance companies employ teams of adjusters, investigators, and attorneys whose only job is to find reasons not to pay. They will investigate your entire life and look for anything they can use against you. Old injuries become pre-existing conditions that they blame for your current pain. Social media posts get twisted out of context, and innocent statements become admissions of fault.
The complexity of insurance law traps unrepresented victims who do not understand the system. Multiple policies might apply to your accident, and coverage limits create complications at every turn. Exclusions buried in fine print can destroy claims that seemed straightforward. Policy language written by insurance company lawyers protects their interests, not yours.
Calculating damages without an attorney almost guarantees accepting less than you deserve. Insurance companies use computer programs designed to minimize payouts and ignore your future medical needs. They undervalue pain and suffering and dispute every dollar of lost wages you claim. Without expert testimony and proper documentation, you simply cannot prove your losses.
Jim Adler & Associates levels the playing field by handling all insurance communication on your behalf. We collect the evidence that proves the other driver’s complete fault and calculate every damage category with expert support.
Texas follows a modified comparative fault rule that insurance companies use as a weapon against injured people. They know that finding you 51% at fault means they pay nothing, so they try to manufacture fault where none exists. Their strategy is simple and effective, and it involves blaming the victim to save money.
The fault percentage dramatically affects how much compensation you receive. The difference between 20% and 30% fault on a serious injury claim could mean tens of thousands of dollars lost. Insurance companies know this and fight over every percentage point with expensive experts and aggressive tactics. They sometimes spend $10,000 on experts just to avoid paying you $20,000 more in compensation.
Fighting comparative fault claims requires aggressive legal representation from attorneys who understand these tactics. Jim Adler & Associates hires our own experts who provide honest analysis of what happened. We collect the evidence needed to prove the other driver bears the overwhelming share of fault for your injuries.
Around 20% of Texas drivers lack insurance despite legal requirements to carry coverage, and many others carry only minimum coverage that barely covers a minor injury.[3] When an uninsured or underinsured driver hurts you, getting compensation becomes much more difficult. Insurance companies make collecting on your own Uninsured and Underinsured Motorist coverage unnecessarily complicated because they profit when you give up.
This type of coverage, often called UM/UIM coverage, is supposed to protect you when the at-fault driver cannot pay. Insurance companies write the policies and know every loophole that lets them deny or reduce claims. They use technical requirements and procedural hurdles to make the process as frustrating as possible.
Jim Adler & Associates knows how to maximize UM/UIM recovery because we understand policy language and requirements. We properly protect your claims while pursuing all available coverage from every applicable source.
Our contingency fee is a percentage of the recovery we obtain for you. If your case settles without filing a lawsuit, our fee is 35% of the recovery amount. If a lawsuit must be filed to get you fair compensation, the fee is 40% of the recovery. These percentages are clearly stated in writing before any work begins, and there are no hidden fees or surprise charges at any point.
If we do not win your case, you owe nothing for our time because we take the financial risk. This arrangement ensures everyone can afford quality legal representation regardless of their current financial situation. Insurance companies cannot outspend you when you have Jim Adler, The Texas Hammer®, fighting on your side.
Do not let financial concerns prevent you from getting the help you need after an accident. Call Jim Adler, The Voice of The Victims™, for a free consultation, and we will explain our fees clearly.
Rideshare accidents involving companies like Uber and Lyft create additional layers of complexity that confuse many injured people. Multiple insurance policies may apply depending on what the driver was doing at the time of the traffic accident. Multiple parties may also share potential liability for your injuries. Insurance companies exploit this confusion to deny claims entirely or pay far less than they should.
Insurance coverage for Uber and Lyft drivers changes based on their status at the time of the accident. When the driver is offline and not using the app, only their personal auto insurance applies. When the driver is waiting for ride requests, limited liability coverage is in effect through the rideshare company. When the driver is actively transporting passengers, million-dollar policies apply to cover serious injuries. Proving the driver’s exact status at the moment of your traffic accident becomes a battle because these companies do not readily share this information.
Jim Adler & Associates understands the complexity of rideshare accidents and how to navigate these challenges. We know how to prove driver status, identify every applicable insurance policy, and fight the corporate legal teams who protect these billion-dollar companies. Jim Adler, The Texas Hammer®, has the resources and experience to take on Uber and Lyft.
Insurance companies contact you quickly after an accident, and they do it for a very specific reason. They want recorded statements before you have legal representation to protect your interests. They offer quick settlements before you have any idea what your case is actually worth. They pressure you to accept less while you are vulnerable, and these tactics work on people who do not have an attorney.
Waiting to see how things go is exactly what insurance companies want you to do. They know that delays benefit them because evidence disappears and witnesses forget what they saw. Victims who wait to get legal help typically receive less compensation than those who act quickly. Insurance companies count on people putting off the decision to call an attorney.
The Texas Hammer® levels the playing field from day one because we know their tactics and can stop them before they cause harm to your case. Contact Jim Adler & Associates today for a free consultation about your accident.
After a traffic accident, you need time to recover from your injuries and get your life back on track. You should not have to fight insurance companies while dealing with pain, medical appointments, and the stress of everything that has happened. Jim Adler & Associates has fought for injured Texans for over 50 years, and we know how to hold negligent drivers accountable. We serve clients in English and Spanish across Houston, so call now for a free consultation. You pay no fee unless we win your case.*
[1] Texas Department of Transportation. (2025). Texas Motor Vehicle Traffic Crash Facts Calendar Year 2024. https://www.txdot.gov/content/dam/docs/division/trf/crash-records/2024/01.pdf
[2] National Highway Traffic Safety Administration. (2024). Traffic Safety Facts: Alcohol-Impaired Driving. https://www.nhtsa.gov/risky-driving/drunk-driving
[3] Texas Department of Motor Vehicles. TexasSure – Insurance Verification. https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification
[4] The Law Dictionary. (2022). What Percentage of Lawsuits Settle Before Trial? What Are Some Statistics on Personal Injury Settlements? https://thelawdictionary.org/article/what-percentage-of-lawsuits-settle-before-trial-what-are-some-statistics-on-personal-injury-settlements/
[5] City of Houston. (2023). Vision Zero Annual Report 2022. https://www.houstontx.gov/visionzero/Vision-Zero-Annual-Report-2022.pdf
[6] Teletrac Navman US Ltd. (2021, April 22). Most dangerous roads in America [Infographic]. Teletrac Navman. https://www.teletracnavman.com/fleet-management-software/telematics/resources/most-dangerous-roads-in-america-infographic
[7] KHOU 11. (2022, March 16). These are the 10 most dangerous intersections in Houston. https://www.khou.com/article/traffic/10-most-dangerous-houston-intersections/285-1b59c5f0-c14f-4113-84ef-e9dfc092a26e
[8] Texas Department of Transportation. Crash Records Information System (CRIS). https://www.txdot.gov/inside-txdot/division/traffic/crash-statistics.html
[9] Texas Department of Insurance. Auto Insurance Guide. https://www.tdi.texas.gov/pubs/consumer/cb020.html
[10] Houston Public Media. (2025, February 3). Houston traffic fatalities rose to record numbers in 2024. https://www.houstonpublicmedia.org/articles/news/transportation/2025/02/03/512816/houston-traffic-fatalities-rose-to-record-numbers-in-2024-as-city-lags-on-pervious-vision-zero-goals/
[11] Tex. Civ. Prac. & Rem. Code § 16.003 (Two-Year Statute of Limitations for Personal Injury and Wrongful Death). https://statutes.capitol.texas.gov/Docs/CP/htm/CP.16.htm
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