If you’ve been hit in a Houston car accident, don’t go toe-to-toe with the insurance company alone.
Led by Texas’ most recognized civil trial lawyer, Jim Adler & Associates has:
A team of aggressive attorneys who fight to get every dollar you deserve
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With 4 office locations across Texas, we’re ready to help — starting with a FREE case review.
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Our client was driving on a congested Houston highway when traffic came to a stop. Unfortunately, the driver behind her failed to slow down and slammed into her vehicle at high speed. The violent rear-end collision pushed her car into a concrete barrier and caused severe, life-threatening injuries.
She suffered a traumatic brain injury, including an epidural hemorrhage and concussion, along with a burst fracture in her thoracic spine. Emergency fusion surgery stabilized her spine, but she was left with permanent hardware, limited mobility, and chronic pain. On top of the physical trauma, she also experienced severe emotional distress, including flashbacks and ongoing insomnia.
Verdict: $2,250,000
Nearly 185 crashes happen here every single day. Maybe one of them changed your life. If so, you deserve help.
Car wrecks are especially common around the 610 Loop, I-45, and other parts of Houston’s High Injury Network — a small portion of streets responsible for over half of the city’s serious crashes.
If you’re wondering whether you really need a lawyer after your accident, this page is for you. We’ll explain:
When and why to hire a car accident attorney
What it typically costs in Texas
And whether you actually need legal representation
Let’s break it down and help you make the right move.
Get to safety. If possible, pull over and turn on your hazard lights. Don’t stay in traffic.
Call 911. You need an official crash report in Texas, especially if there are injuries or damage.
Get photos and video. Document the vehicles, license plates, injuries, and road conditions.
Don’t admit fault. Stick to facts when speaking to police or the other driver.
Call a lawyer ASAP. Insurance adjusters aren’t on your side—and mistakes early on can cost you.
After a wreck, it’s easy to feel overwhelmed — medical bills, missed work, insurance calls. A good lawyer makes it easier to breathe again by taking over the hard stuff, like:
Proving fault. We gather crash reports, traffic cam footage, and witness statements to show who caused the wreck.
Identifying all responsible parties. Sometimes it’s not just one driver — it could be a commercial carrier, a rideshare company, or even a manufacturer.
Dealing with insurance companies. We handle adjusters so you don’t have to repeat your story or settle for less.
Tracking your costs. From ER visits to out-of-pocket expenses, we help organize everything to demand full compensation.
Estimating future damages. We work with medical experts to calculate what your recovery might cost down the road.
Getting your medical records. Our team coordinates directly with doctors so your case is backed by complete documentation.
Fighting for lost wages. If your injuries kept you from working, we make sure that lost income is part of your claim.
Negotiating medical bills and liens. We work to reduce what you owe — and protect you from collections.
Standing up in court. If the case goes to trial, you’ll have a seasoned team ready to represent you.
A car crash in Houston can turn your life upside down — but a strong legal team can help you get it back.
Right away. The sooner you speak to a lawyer, the better your chances of getting full compensation.
Evidence disappears fast. Skid marks fade. Vehicles get repaired. Witnesses forget what they saw.
Insurance companies move quickly—and not in your favor. Adjusters may pressure you to settle or say something that hurts your case.
A lawyer protects your rights from Day One, making sure everything is documented properly and deadlines are met.
Even if you’re not sure you need one, a free consultation can help you avoid costly mistakes.
Neck and back injuries. These are the most frequent—especially from rear-end crashes on feeder roads.
Head trauma. Even a “mild” concussion can lead to long-term symptoms.
Broken bones. From wrist fractures to shattered ribs, we’ve seen it all.
Internal bleeding. Some injuries don’t show up right away—don’t wait to see a doctor.
At our firm, we’ve helped thousands of Houstonians deal with these injuries and we know how to connect clients to trusted doctors who understand personal injury cases.
Yes — don’t wait for pain to show up. Many serious injuries don’t appear until hours or even days after a crash.
Whiplash, concussions, and soft tissue damage are some of the most commonly delayed injuries.
Insurance companies often use that delay against you, claiming you weren’t really hurt.
A lawyer can help you get checked out by the right doctors — and make sure everything is documented early.
And since our consultations are 100% free, you’ve got nothing to lose by asking questions now rather than later.
▶️ Watch the videos below to learn why acting fast — even without visible injuries — can protect your case.
It might seem like a small crash — but that doesn’t mean you’re in the clear.
Insurance companies often offer fast settlements after minor accidents, hoping you’ll take the money before understanding the full cost of your injuries or repairs.
Ask yourself:
Are you dealing with any head, neck, or back pain?
Was your car declared a total loss?
Did a child or passenger get hurt?
Have you missed work because of the accident?
Are your medical bills starting to stack up?
If you answered “yes” to even one of these, you could benefit from speaking with a lawyer — especially before signing anything from the insurance company.
Our consultations are free, and we’ll give you a straight answer.
▶️ Watch the video below to learn more about your options.
Yes — and this surprises a lot of people.
Texas follows a law called Modified Comparative Fault, which means you can still recover money as long as you’re not more than 50% responsible for the accident.
Here’s how it works:
If you’re found 30% at fault, you can still recover 70% of your total damages. That could cover your:
Medical bills
Car repairs
Lost wages
Pain and suffering
Don’t assume you’re out of options just because you might’ve been partly to blame. Let a lawyer review your case — we’ve helped many clients in Houston recover compensation even when fault was shared.
Every crash is different — but some types happen more often and tend to cause the worst injuries. These are the ones we see most often in Houston and across Texas:
The most common type of crash, especially in traffic.
Often caused by distracted or tailgating drivers.
Whiplash, back injuries, and neck pain are typical.
Usually result in serious injuries or death.
Common on highways or from wrong-way drivers.
Often caused by speeding or distraction.
Seen more in SUVs and tall vehicles.
Frequently caused by overcorrection or speeding on turns.
Can lead to ejection injuries or fatalities.
The at-fault driver flees the scene.
Victims are left with medical bills and no clear way to file a claim.
UM/UIM coverage becomes critical.
These cases often involve multiple parties and complex insurance.
Injuries are usually catastrophic due to the size of commercial vehicles.
Liability can be murky depending on whether the driver was “on the clock.”
Often requires digging into multiple insurance policies.
Still a major cause of injury and death in Texas.
These cases may involve punitive damages in addition to compensation.
Common during road construction on 610, I-10, and Beltway 8.
Sudden stops, lane changes, and heavy equipment raise risk.
One of the most preventable — yet deadly — types of crashes.
Often leads to rear-end or intersection wrecks.
Includes marijuana, prescription meds, or illegal substances.
Impaired reaction times and poor decision-making are key factors.
Texas leads the country in speeding fatalities.
Higher speeds = more force, more injury, more death.
Many drivers in Houston carry little or no insurance.
These cases rely on your own UM/UIM policy to recover compensation.
Dangerous intersections (like Westheimer & Gessner) cause thousands of wrecks each year.
Often involve left turns, red-light running, or unclear right-of-way.
Not sure what kind of accident you were in? That’s okay. Our legal team has seen it all — and we’ll help you figure out your best next step.
Uber and Lyft Accidents
Rideshare accidents involve multiple insurance layers — driver, company, and sometimes third parties. We help victims cut through the confusion and get the compensation they deserve.
👉 Learn more about Uber and Lyft accidents →
Uninsured and Underinsured Accidents
If the other driver has little or no insurance, you still have options — including your own UM/UIM coverage. We help clients recover what they’re owed even when the at-fault driver can’t pay.
👉 Learn more about uninsured driver accidents →
Vehicle Rollover Accidents
Rollover crashes often lead to severe injuries and involve SUVs, trucks, or vehicles with high centers of gravity. We investigate what caused the rollover — and who’s responsible.
👉 Learn more about rollover accidents →
Rear-End Accidents
These are some of the most common wrecks in Houston — and they often cause whiplash, back injuries, and more. Don’t assume it’s minor until we evaluate your case.
👉 Learn more about rear-end crashes →
Intersection Accidents
Crashes at intersections often involve left turns, red lights, or unclear right-of-way. We help prove fault and fight for victims hurt in these high-impact collisions.
👉 Learn more about intersection accidents →
Work Zone Accidents
Construction zones increase crash risks with lane shifts, heavy equipment, and distracted drivers. If you were hurt in a work zone, we can help identify who’s liable.
👉 Learn more about work zone crashes →
Vehicle Defect-Related Accidents
Sometimes, the driver isn’t to blame — a faulty brake, steering failure, or defective tire caused the crash. We handle product liability claims against automakers and manufacturers.
👉 Learn more about vehicle defect cases →
DUI and DWI-Related Accidents in Texas
Drunk or drug-impaired drivers put everyone at risk — and the damage they cause can last a lifetime. We hold them accountable through civil claims that seek maximum compensation.
👉 Learn more about DUI accidents →
Speeding Accidents
Speeding crashes are more deadly, more destructive, and more common than you think — especially on Houston freeways. We fight for victims and their families after high-speed collisions.
👉 Learn more about speeding-related accidents →
If you’ve been injured in a crash and the other driver was at fault, you’ll typically file a claim against their insurance. Sounds simple, right? In reality, the process is anything but.
1. Investigation Begins
The at-fault driver’s insurance company opens a claim.
An adjuster may contact you to get your version of the events.
You’ll be asked to provide:
Photos from the crash scene
Medical records and bills
Proof of lost wages
Any police or crash reports
2. Fault is Determined
The insurer decides whether their driver caused the crash.
If there’s any dispute, they may try to shift blame onto you.
3. A Settlement Offer is Made
After your medical treatment is complete, the insurer makes an offer.
This is usually based on your total damages and their driver’s policy limits.
But it’s almost always lower than you deserve.
Even “simple” cases can hit major snags:
Blame games. Insurers often argue you were partially at fault.
Injury downplay. They may say your injuries are minor or preexisting.
Delays & ghosting. Adjusters may stall, stop responding, or drag things out for months.
That’s where we come in. Our Houston attorneys deal with insurance companies every day. We know their tactics — and we know how to fight back so you don’t get shortchanged.
The consultation is free. The advice could be life-changing.
Under Texas law, you have two years from the date of the crash to file a lawsuit. This is called the statute of limitations — and it’s a hard deadline.
If you miss it, the court can throw your case out — no matter how strong your evidence is.
Even though you technically have two years, waiting can seriously hurt your case. Here’s why:
You need to report the crash to your insurance — or the at-fault driver’s — immediately.
Texas insurers must follow strict timelines to investigate and settle claims, but they’ll look for reasons to deny you if you delay.
Witnesses forget details.
Police reports get archived.
Video footage can disappear.
Medical records can become harder to link to the accident.
If the insurance company gives you a lowball offer and won’t budge, filing a lawsuit may be your only option. But if you wait too long, that door closes.
If you try to file your case after the two-year mark, the court will likely dismiss it entirely — and you could lose your right to any compensation, even if you were clearly in the right.
Don’t wait until it’s too late. Let us help you protect your rights and take the pressure off.
If you were injured and it wasn’t your fault, speak with a lawyer as soon as possible. You may be entitled to compensation for your medical bills — even if you don’t have health insurance.
A lawyer can help you recover the full cost to repair or replace your vehicle. Don’t settle too quickly — insurance companies often offer less than what your car is really worth.
Save anything that helps tell the story:
Police reports
Crash scene photos
Medical records
911 call logs
Video footage
Witness info
Phone records (if distracted driving is suspected)
Keep a folder with:
Medical bills & treatment notes
Health and auto insurance records
Pay stubs (to prove lost wages)
Photos of injuries & car damage
Texas minimums are:
$30,000 per person (bodily injury)
$60,000 per accident (bodily injury)
$25,000 per accident (property damage)
But that often isn’t enough. We recommend:
PIP coverage (at least $10,000)
UM/UIM (uninsured/underinsured motorist)
Collision coverage
MedPay and comprehensive if your car is valuable
Ask your agent to walk you through the best setup — or we can help evaluate your coverage after an accident.
You may still have options:
File a claim through your UM/UIM coverage
Pursue a personal injury lawsuit against the driver
We help clients navigate both routes and figure out what’s possible.
Yes. Texas uses a fault-based system, meaning the driver who caused the crash is responsible for the damages. Texas also follows modified comparative fault — if you’re 50% or less at fault, you can still recover compensation (reduced by your percentage of fault).
Most policies cover drivers you give permission to — even if they aren’t listed. But this depends on your specific policy. If they were at fault, your insurance may still pay, but you’ll likely face a deductible and possibly higher rates.
We can help you find doctors who treat accident victims without up-front payment. Then, we fight to recover those costs in your settlement.
Common serious injuries include:
Broken bones
Spinal damage
Internal bleeding
Brain injuries
Burns or disfigurement
Paralysis
Amputations
Fatal injuries
This could become a wrongful death claim, and surviving family members may be entitled to compensation.
👉 See our Wrongful Death page for more details.
Let us look at what happened and help you figure out your best next move. We offer free consultations.
At Jim Adler & Associates, you don’t pay us a dime unless we win your case. That’s because we work on what’s called a contingency fee.
No upfront costs. You don’t pay anything to get started.
We cover the expenses. We front the cost of investigations, experts, court filings — all of it.
We only get paid if you do. Our fee is a percentage of your settlement or court award.
Everything is explained in writing. No surprises, no fine print.
If we don’t win your case — you owe us nothing.
No financial risk. You don’t have to worry about how to afford a lawyer.
We fight to win. Our fee depends on the outcome, so we’re motivated to get you maximum compensation.
Everyone gets a fair shot. You don’t need deep pockets to hire a strong legal team.
Still have questions? We’ll walk you through exactly how fees work in your FREE consultation.
That depends — because no two cases are the same. Some people walk away with a few thousand. Others recover six or seven figures. It all comes down to how your life was impacted.
Medical expenses. From ER visits to surgeries, follow-ups, and prescriptions — all of it adds up.
Future care needs. Ongoing physical therapy, rehab, or long-term treatment can raise your settlement.
Serious or permanent injuries. If you’re left with chronic pain, disfigurement, or disability, your claim value increases.
Lost income. This includes missed work and reduced ability to earn in the future.
Pain and suffering. Emotional trauma, physical pain, and changes to your daily life matter — and are legally compensable.
Your lawyer’s skill. A seasoned car accident attorney knows how to build your case and fight for maximum compensation.
The more you can prove, the more you can recover. That’s why we help our clients:
Keep track of bills, wage loss, and medical records
Work with doctors to document long-term injuries
Show how the accident changed your life
Call now for a free, no-obligation consultation and we’ll walk you through your options.
Some cases settle in a few months. Others take over a year. It depends on how complicated things get — and how hard the insurance company fights back.
On average, car accident cases settle between 2 to 12 months. But yours could take more or less time based on a few key factors:
More serious injuries = more time. That’s because your lawyer needs to fully understand your long-term medical needs before negotiating a fair settlement.
You typically shouldn’t settle until you’ve finished treatment or reached maximum medical improvement (MMI). That way, future medical costs are factored in.
Some adjusters cooperate. Others drag things out. They may delay, dispute, or make lowball offers — especially if you don’t have a lawyer pushing back.
If a fair settlement isn’t offered, filing a lawsuit might be necessary. Lawsuits can extend your case by several months — or longer — depending on the court’s schedule.
We’ve handled cases that settled in 60 days — and others that took two years. The difference? How serious the injuries were and how stubborn the insurance company acted.
📞 Want a better idea of your specific timeline?
Let’s talk. The consultation is free — and we’ll walk you through what to expect.
Hurt in an accident? Tell us what happened. We’ll give you straight answers — fast, free, and with no strings attached.*
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Houston, TX 77027
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Houston, Texas 77015
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San Antonio, TX 78216
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*No fee if no recovery. Client is responsible for paying court costs and expenses, regardless of recovery. The results of your case may vary depending on the facts presented and your legal situation. By submitting any forms on this website, you are also agreeing to our Terms & Privacy Policy and you are providing consent to receive communications from us which may include calls, texts, emails, and/or prerecorded messages. “The Texas Hammer®,” “El Martillo Tejano®,” and related marks are registered trademarks of Jim Adler & Associates and are protected under U.S. trademark law. Any unauthorized use, reproduction, or imitation of these marks is strictly prohibited and may result in legal action.
