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$14,000,000 CONTRUCTION ACCIDENT (in 289 Days) / George Goldberg
$8,700,000 TRUCKING ACCIDENT (in 270 Days) / George Goldberg
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Houston Car Accident Lawyer

Have you or someone you love been injured in a Houston car crash? We can help.

Injured in an Auto Accident in Houston, Texas?

A Houston car accident lawyer earns their fee in the first week after your crash, not the last one before trial. Skid marks fade within days, and witnesses forget small details fast once the shock wears off.

The clock on your case starts the moment the vehicles collide, and if you wait too long you lose your right to sue no matter how obvious the other driver’s fault was, since Texas sets a firm two-year deadline to file an injury claim.

The decisions you make in these first days decide how much of your medical care, lost income, and pain actually gets paid for later. A lawyer who knows how Harris County insurers handle claims can shut down their tricks before those tricks cost you money. Call (512) 254-4424 now for a free consultation. You pay nothing unless we win, and our team stays available 24/7.

Our Houston Car Accident Lawyer

Matthew Kotzen

Legally reviewed by Matthew Kotzen

Personal Injury Attorney · Member, State Bar of Texas · Reviewed August 10, 2026

A former insurance-defense trial attorney, Matthew Kotzen spent the early part of his career representing insurance companies before switching sides to fight for injured people. He earned his J.D. from the Walter F. George School of Law at Mercer University and has represented thousands of injury victims. He is a Lifetime Member of Best Attorneys of America, was named to the Top 100 Civil Plaintiff Attorneys by The National Trial Lawyers, and is admitted to the State Bar of Texas.

“I spent years building cases for insurance companies. Now I use that same playbook to make sure they pay what they actually owe.”

Read Matthew Kotzen’s full profile →

Goldberg & Loren Fights for Maximum Compensation

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Texas Injury Law at a Glance

Deadline to file a lawsuitTwo years from the date of the injury. Tex. Civ. Prac. & Rem. Code § 16.003
Fault ruleModified comparative responsibility ("51% bar"): you recover only if you are 50% or less at fault, and your award is reduced by your share. §§ 33.001, 33.012
Reporting the crashNotify police immediately when there is injury, death, or a vehicle that cannot be driven away safely. Tex. Transp. Code § 550.026
20,000+
Cases handled
$550M+
Recovered for clients
Since 1994
Serving injured people
$0
Fee unless we win

What a Houston Car Accident Lawyer Does in the First Week After Your Crash

The first week after a crash sets the direction for everything that follows, because evidence either gets locked down or it disappears. Meanwhile, the at-fault driver’s insurer already has an adjuster assigned, a recorded statement script ready, and a settlement number in mind before your first doctor visit even happens. 

I move at that same speed, requesting the 911 dispatch recording, the responding officer’s crash report, and any nearby traffic or business camera footage before it disappears for good.

None of that happens automatically; someone has to request it, often within days, or the footage is gone.

How Fast Evidence Disappears After a Houston Car Wreck

Houston intersections cycle through traffic camera footage on tight loops, and some systems overwrite recordings within 72 hours. Picture a rear-end crash at a red light on Westheimer near the Galleria, where the only proof of the other driver rolling through a stop sits on a nearby gas station’s exterior camera.

That footage exists for about a week before the system records over it. Body shops move just as fast, often taking apart a wrecked vehicle within days of a tow, which destroys physical evidence of exactly how the impact happened.

What the Insurance Adjuster Is Really After

An insurance adjuster who calls the day after your crash is not checking on your health. That adjuster wants a recorded statement while you are still in shock and before you have seen a doctor or read the crash report, because early statements almost always contain a phrase that can get twisted into shared blame.

Saying something as simple as you did not see the other car coming can end up reframed as an admission that you were not paying attention, which is why adjusters ask friendly, open-ended questions on purpose.

Black car after bad accident in Houston, Texas

The Houston Roads and Intersections Where Serious Crashes Happen

Heavy commuter volume, aggressive merging, and long stretches of elevated freeway turn rush hour traffic into a setup for multi-vehicle collisions, and congestion on routes like I-45 and the 610 Loop can shift from slow moving to a full stop within seconds.

Pileups on I-45, I-10, and the 610 Loop

I-45 through downtown Houston narrows and curves in ways that catch inattentive drivers off guard, and a driver going highway speed who does not notice brake lights ahead can start a chain reaction that pulls in five or six vehicles.

The Katy Freeway section of I-10 sees the same pattern during morning commutes, when merging traffic from feeder roads squeezes into main lanes already packed with cars.

The 610 Loop adds another layer of risk, since drivers constantly cut across multiple lanes to catch an exit, often without checking their blind spot first.

Intersection and Red Light Crashes Across Harris County

Intersections create a different kind of danger, since crashes here usually involve a driver who ran a red light, misjudged a left turn, or rolled through a stop sign. Beltway 8 and US 59 near I-69 both carry heavy volume through signalized intersections where a few seconds of impatience can end in a T-bone collision.

Texas also bans reading, writing, or sending an electronic message while driving (Tex. Transp. Code § 545.4251), and a distracted driver who blows a red light is often the one at fault. These crashes tend to cause serious injury because vehicles hit each other’s sides, where there is far less structure to absorb the impact.

Steps To Take After a Car Accident in Houston To Protect Your Claim

What you do in the minutes and hours after a crash can carry more weight than anything in later settlement talks, and the fastest way to protect a claim is to build a clean, well-documented record from the start:

  • Call 911 so an officer responds and files an official crash report, one of the most important pieces of evidence in your claim.
  • Move to a safe location if your vehicle is drivable, and check yourself and any passengers for injuries first.
  • Exchange driver’s license, insurance, and contact information with every driver, and note each vehicle’s make, model, and plate number.
  • Photograph the vehicles, the scene, and the road conditions from multiple angles before anything gets moved.
  • Collect names and phone numbers of any witnesses, since their memory will only get less reliable over time.
  • See a doctor the same day even if you feel fine, because injuries like whiplash and internal bleeding often show no symptoms for hours or days.
  • Avoid giving the other driver’s insurer a recorded statement, since anything you say can be used to argue you share some blame.
  • Call a lawyer before you accept any settlement offer, because an early offer almost always undervalues the claim.

Every photo, phone number, and medical record you gather in the first 24 hours becomes proof you can use later, when the insurer argues your injuries are less serious than they are or that the crash was partly your fault.

What To Do Before You Leave the Scene

Never leave a crash scene before police arrive, even for a minor-sounding collision, since leaving the scene of a wreck involving injury or significant property damage is against the law in Texas.

While you wait for the responding officer, take your own photos and gather information instead of just sitting in your car, since your phone’s timestamp and location data can matter later.

Look for security cameras on nearby gas stations, restaurants, or traffic signals and mention them to the officer so they get noted in the report. Do not apologize or speculate about fault out loud, since even a reflexive sorry can end up in a police report used against you later.

Why Your First Doctor Visit Shapes Your Case

Insurance adjusters treat a delayed doctor visit as proof that your injuries were never that serious in the first place, regardless of how much pain you were actually in.

Waiting even a few days to get checked out creates a gap in your medical record that a defense attorney will later argue must have another cause. Some of the most serious injuries, including concussions and soft tissue damage, do not show obvious symptoms until the adrenaline wears off.

Seeing a doctor the same day creates a clear, timestamped link between the crash and your injuries that is difficult for any insurer to argue against.

How Texas Fault Rules Decide Who Pays for Your Houston Car Accident

Texas runs on an at-fault system, which means the driver who caused the crash, along with that driver’s insurer, bears responsibility for the damage. Insurers rarely accept full responsibility without a fight, and adjusters are trained to look for any detail that shifts even a small percentage of blame onto you, because every point they shift reduces what they have to pay.

Our team pushes back immediately, relying on the crash report, witness statements, and physical evidence to keep the blame where it belongs.

The 51 Percent Rule and Shared Blame

Texas follows a modified comparative negligence rule with a 51 percent bar (§§ 33.001, 33.012), which means you can still recover compensation as long as your share of the blame stays at 50 percent or less.

Once a jury or insurer decides you were 51 percent or more at fault, Texas law cuts off your right to recover anything at all, and even when you stay under that line, your final award still drops by whatever percentage of fault gets assigned to you.

Picture a driver who makes a legal left turn on Kirby Drive and gets hit by a speeding driver who ran the intersection; the insurer might argue the turning driver should have waited an extra second, an argument that exists purely to shift blame and shrink the payout.

What Your Houston Car Accident Claim Can Be Worth

Every car accident claim in Houston covers a different combination of losses, and no two cases carry the same value. Medical bills, both the ones you have already paid and the treatment you will likely need going forward, usually make up the largest share of a claim.

Lost income factors in next, covering wages you missed and, in serious cases, the earning capacity you lost long-term. Pain and suffering, on which Texas puts no general cap in an ordinary car-crash case, plus vehicle repair and out-of-pocket expenses round out the rest.

Questions People Ask a Houston Car Accident Lawyer

Every crash victim asks some version of the same handful of questions in that first phone call. Search results and well-meaning friends often give conflicting advice about deadlines, fault, and whether hiring an attorney is even worth it for a smaller crash, so it helps to understand the actual rules before choosing anyone to handle your claim.

Texas gives most car accident victims two years from the date of the crash to file a lawsuit, and that deadline rarely moves regardless of how complicated your case is. Missing that window usually means losing your right to sue entirely, even if the other driver was clearly at fault and your injuries are severe. Building a strong claim takes months of medical treatment, records requests, and negotiation, so contacting a lawyer soon after your crash gives your legal team the most time to gather evidence before that deadline becomes a concern.

A search for the best Houston car accident lawyer will turn up dozens of firms making big promises. What matters more than any ranking is whether a crash that looks minor at the scene might not stay minor once soft tissue injuries or hidden damage show up days later. Insurance companies count on drivers assuming a fender bender is not worth a lawyer's time, which is exactly why so many minor accident claims get settled for far less than they should. A quick conversation during a free consultation costs you nothing and can reveal whether your claim is worth more than the insurer's first offer.

For a serious crash, ask to be taken to a Level I trauma center, where the most severe injuries can be treated around the clock. In Houston, Memorial Hermann–Texas Medical Center and Ben Taub Hospital are both Level I trauma centers equipped for major car accident injuries. For less severe injuries, an emergency room or urgent care clinic works, but get evaluated the same day so there is a clear medical record linking your injuries to the crash.

The heaviest crash volume clusters on the region's major freeways: I-45 (the Gulf and North Freeways), I-10 (the Katy Freeway), US-59/I-69 (the Southwest Freeway), the I-610 Loop, Beltway 8, and US-290. These corridors combine high speeds, constant merging, and stop-and-go rush-hour congestion, which is a common recipe for chain-reaction wrecks. Intersections along these routes see their own share of serious T-bone and red-light collisions.

The I-45 rebuild, formally the North Houston Highway Improvement Project, has reshaped lanes and added long construction zones along the corridor. If confusing lane markings, an abrupt merge, debris, or an unsafe work zone contributed to your crash, responsibility may extend beyond the other driver to TxDOT or a construction contractor. These claims can involve government-entity rules, so it is worth having an attorney review exactly where and how the crash happened.

Sometimes, but suing a Texas government entity follows stricter rules than a claim against a private driver. Under the Texas Tort Claims Act, you generally must give the governmental unit formal written notice of your claim within a short window, often within six months, and some cities require notice even sooner by local charter, far shorter than the two-year deadline for an ordinary injury lawsuit (Tex. Civ. Prac. & Rem. Code §§ 101.023, 101.101). Miss that notice deadline and the claim can be barred entirely, so talk to a lawyer quickly if a pothole, missing sign, or road defect played a role.

We handle crashes throughout the Houston metro, not just inside the city limits. That includes Harris County suburbs like Katy, Cypress, and Pasadena, plus adjacent counties such as Fort Bend County, which covers Sugar Land, and Montgomery County, which covers The Woodlands. Where you were hurt does not change your ability to get help.

There is no single timeline, because it depends on the severity of your injuries, how clearly fault is established, and how willing the insurer is to negotiate. A straightforward claim with minor injuries may resolve in a few months, while a serious injury case can take a year or more. Settling too early often means accepting less than your future medical care is worth, so it is usually better to wait until the full picture of your injuries is clear.

Call Goldberg & Loren Houston Car Accident Lawyers Today

Call Goldberg & Loren Houston Car Accident Lawyers Today

You do not have to sort out fault percentages, insurance tactics, or Texas deadlines on your own. The sooner a Houston car accident lawyer starts working on your behalf, the more evidence we can lock down before it disappears. Call (512) 254-4424 today for a free consultation, or visit our contact page to send us the details of your crash. You pay nothing unless we win your case.

How Long Do You Have to Report a Crash in Texas?

Reporting a crash and filing a lawsuit are two very different deadlines, and the reporting one is far shorter. Under Texas law, if anyone is injured or killed, or a vehicle is too damaged to be driven away safely, the drivers involved must notify police immediately, not days later (Tex. Transp. Code § 550.026). You also have to stop, give your name, address, and insurance information, and help anyone who is hurt (§§ 550.021–550.023). Leaving the scene of an injury crash is a serious crime in Texas, not a paperwork issue.

You may have heard that you have “ten days to file a crash report.” That ten-day deadline actually belongs to the investigating officer, who must send the official crash report to TxDOT within ten days when a wreck causes injury, death, or at least $1,000 in property damage (§ 550.062). Your job is to report the crash to police right away, then notify your own insurer promptly. If your crash happened in Houston, you can get a copy of your official crash report from the HPD Records Division at 1200 Travis Street, Houston, TX 77002 (713-308-8500), or order it online through the Texas Department of Transportation. That report is one of the first things your attorney pulls.

Legal Sources & References

The Texas laws described on this page are cited to the official statutes published by the Texas Legislature and were last reviewed on August 10, 2026.

Goldberg & Loren

211 Ranch Rd 620 S, Suite #230
Lakeway, TX 78734
(512) 254-4424

Attorney Matthew Kotzen

Insurance companies treat a car accident like a number on a spreadsheet. I treat it like what it is, a real disruption to someone's life, and I fight in Houston to make sure my clients are paid accordingly.

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Serving Houston & Harris County