How Dallas, TX Drivers Can Protect Themselves from Liability in Accidents
Dallas drivers face thousands of crashes each year, many with costly consequences. Knowing how to reduce liability after an accident isn’t just smart—it can protect your financial future. Texas uses a fault-based insurance system, which means the driver who caused the accident pays for the damage. To avoid being wrongly blamed, it’s important to understand your responsibilities, legal rights, and what to do at the scene and after the crash.
Understand How Fault Works in Texas
Texas is an at-fault state. The driver found responsible for causing the crash must pay for the damages. This includes vehicle repairs, medical bills, lost wages, and more. If you’re even 51% at fault, you lose the right to recover any damages under Texas’ modified comparative negligence rule.
Carry Adequate Auto Insurance—Not Just the Minimum
Texas law requires 30/60/25 minimum liability coverage, but that often isn’t enough. To better protect yourself:
- Add uninsured/underinsured motorist coverage
- Include Personal Injury Protection (PIP)
- Consider comprehensive and collision coverage
Extra coverage helps reduce your financial exposure if an accident occurs.
Use Dash Cams for Reliable Evidence
Dash cams capture real-time footage of your drive, providing clear proof of what happened before, during, and after the crash. This footage can resolve disputes when the other driver denies fault. In intersection crashes or hit-and-runs, dash cams can be your strongest evidence.
Never Admit Fault at the Scene
Admitting fault—even saying “sorry”—can be used against you later. Stay calm, focus on safety, and exchange information. Let the police and insurance investigators determine responsibility.
Always Call the Police and Request a Report
Even for minor collisions, request a police report. This official documentation often becomes critical in proving who was at fault. The report may include diagrams, officer observations, and witness statements.
Document the Scene Thoroughly
Gather evidence before vehicles are moved:
- Take wide and close-up photos of all damage
- Capture street signs, traffic lights, and skid marks
- Photograph weather conditions and debris
- Get contact info for witnesses
Photos and statements taken immediately are far more reliable than memory alone.
Seek Medical Treatment Immediately
Delays in treatment allow insurance companies to argue that your injuries aren’t serious or weren’t caused by the accident. Always visit a doctor within 24–48 hours to document any pain or injuries, even if they seem minor.
Be Cautious About Social Media Posts
Anything you post—even “I’m doing okay”—can be twisted to reduce your claim. Avoid posting photos, opinions, or updates about your crash until your case is resolved.
Don’t Wait to Contact a Personal Injury Lawyer
Texas has a two-year statute of limitations for personal injury claims. But the longer you wait, the harder it is to collect evidence and prove fault. A lawyer can help protect your interests immediately and deal with insurance companies who may try to rush or undervalue your claim.
Insurance Companies May Not Be on Your Side
Insurers often use tactics like:
- Offering fast but low settlements
- Asking for recorded statements
- Delaying responses to weaken your case
Legal guidance helps level the playing field.
How an Attorney Helps Reduce Your Liability Risk
A personal injury attorney:
- Manages all legal paperwork and deadlines
- Communicates with insurance adjusters
- Builds your case with evidence and expert testimony
- Negotiates or litigates for fair compensation
Attorneys also help you avoid mistakes that can make you look at fault.
Practice Safe Driving to Prevent Crashes
Smart driving reduces your chances of liability:
- Follow speed limits and road signs
- Avoid distracted driving (phones, food, etc.)
- Never drive under the influence
- Keep a safe distance in traffic
- Watch carefully in construction zones and intersections
In 2023, the Texas Department of Transportation recorded over 15,000 serious injury crashes. Many of these could have been avoided through defensive driving.
Legal Rights After an Accident in Texas
As a driver involved in a crash, you have the right to:
- Remain silent and not incriminate yourself
- Refuse to sign insurance documents
- Seek legal advice before giving statements
- Pursue damages for losses if another party was at fault
Knowing these rights can protect you from unfair blame.
Checklist: What to Do Right After a Crash
- Call 911 and ensure everyone is safe
- Exchange info and take photos
- Avoid discussing fault
- See a medical professional within 24 hours
- Contact a trusted personal injury lawyer in Dallas
McGilberry & Shirer: Trusted Legal Advocates in Dallas & Fort Worth
With over 10,000 cases handled and more than 60 years of combined experience, McGilberry & Shirer LLP knows how to protect accident victims. Whether it’s a car, truck, or bicycle accident, our team fights to get you fair compensation and defend you from unjust blame.
Reach out today at 972-764-8675 to get the help you need from experienced Dallas-Fort Worth personal injury lawyers.
