How to File an Auto Insurance Claim in Texas

If you've been in an accident or your vehicle has been damaged in Texas, knowing how to file an auto insurance claim is essential for protecting your rights and getting compensated. This step-by-step guide walks you through the entire process—from documenting the scene to working with your insurer—so you can move forward with confidence.

Step 1: Ensure Safety and Comply with Texas Law

• Check for injuries. Call 911 immediately if anyone is hurt. Medical care always comes first.
• Move vehicles if possible. If the accident is minor and vehicles are drivable, Texas law requires you move them off the roadway to avoid obstructing traffic.
• Exchange information. Get names, addresses, driver’s license numbers, insurance details, and plate numbers from all involved parties.
• Notify law enforcement. If there are injuries, death, or property damage likely to exceed $1,000, you must report the accident to police.

Step 2: Document the Scene Thoroughly

• Take detailed photos. Capture all vehicles, license plates, street signs, damage, skid marks, and the wider scene from multiple angles.
• Gather witness statements. Ask bystanders for their names and contact info. Their accounts can help clarify what happened.
• Write down details. Record the date, time, weather conditions, and anything you remember about how the incident occurred.
• File a police report. If police respond, request a copy or report number. You’ll need this for your claim.

Step 3: Notify Your Insurance Company Promptly

Contact your insurer as soon as possible—ideally within 24 hours of the incident. Most Texas insurers offer multiple methods for reporting claims:

• Phone: Call the claims number listed on your insurance card or declarations page.
• Online: Many insurers allow you to file claims using their website or mobile app.
• Agent: Your agent can guide you through the process and answer questions.

Be prepared to provide:

• Policy number
• Date, time, and location of the incident
• Names and insurance details of others involved
• Police report number (if available)
• Photos and documentation collected

Step 4: Understand the Claims Process

After you report the claim, your insurer will assign an adjuster to investigate. Here's what to expect:

• Claim review: The adjuster will contact you for more information and may interview witnesses.
• Vehicle inspection: You may need to take your car to an approved shop or have an adjuster inspect it for damage assessment.
• Estimate and approval: The insurer provides a repair or settlement estimate. You can often choose your own repair shop, but check your policy for details.
• Claim payout: If approved, payment is issued directly to you, the repair shop, or both. You are responsible for your deductible.

Step 5: Tips for a Smooth Claim Experience

• Be honest and thorough. Incomplete or inaccurate information may delay or jeopardize your claim.
• Keep all communications. Save emails, letters, and notes from phone calls with your insurer and repair shops.
• Follow up regularly. If you haven’t received updates, contact your adjuster to check your claim status.
• Review your policy. Understand what is and isn’t covered, especially regarding rental cars, towing, and total loss situations.
• Don’t authorize repairs until approved. Wait for the insurer’s estimate before proceeding, unless immediate repairs are necessary for safety.

Step 6: What If the Other Driver Is Uninsured or Underinsured?

Texas law requires all drivers to carry minimum liability coverage, but not everyone complies. If you’re hit by an uninsured or underinsured driver:

• If you have Uninsured/Underinsured Motorist (UM/UIM) coverage, file a claim with your own insurer. Provide all documentation as above.
• If you lack UM/UIM coverage, you may need to pursue recovery through small claims court or accept the loss.
• Always report the accident to police and your insurer, even if the other driver flees (hit-and-run).

Step 7: What If Your Claim Is Denied or Delayed?

• Request a written explanation. Insurers must explain in writing why a claim is denied or delayed beyond 15 business days.
• Appeal the decision. Provide additional documentation or clarification as needed.
• File a complaint. If you believe the insurer is acting unfairly, you can file a complaint with the Texas Department of Insurance.

Frequently Asked Questions