Car Accident Assistance

Summary

If youve been in a car accident in Texas, the at-fault drivers insurance should cover your damages. You may need to pay for towing and storage fees upfront, but you can request reimbursement from the insurance company. Make sure to report the accident to your own insurance company as well. If the police have dash cam footage, you can request it through a Public Information Act (PIA) request.

Full Conversation

Car accident
Hello ****, I'm sorry to hear about your car accident. Can you please tell me more about the accident and where it occurred? This information will help me provide the most accurate advice for your situation.
The other driver didn’t do a complete stop at a stop sign ,is what caused the accident. Was giving a citation. Well her Insurance to be responsible for the damages of my car and keeping it at the towing dealership
Hello ****, I'm sorry about the accident. Generally, if the other driver was cited for a violation causing the accident, their insurance should cover your damages. However, insurance laws vary by location. May I know where this happened?
Texas
Hello ****, in Texas:
- The at-fault party's insurance typically covers damages.
- The state follows a "fault" car insurance system.
- The at-fault driver's insurance pays up to their policy's limits.
- You can also file a lawsuit if you aren't fully compensated.
Should I keep my car at the towing company or not? And what does is mean by pays up to their policy’s limits ? And what happens if my car is total ?
Hello ****,
- "Pays up to their policy's limits" means the insurance will pay only up to the maximum amount specified in the policy.
- If your car is totalled, you should receive the actual cash value of the car before it was damaged.
- As for the towing company, you could incur daily storage fees. It might be better to move it if possible.
Well I get paid back the money I pay the towing company? It’s alright about * dollars.
Hello ****, in Texas:
- The at-fault driver's insurance should cover reasonable towing and storage fees.
- You may need to provide receipts as proof of payment.
- However, prolonged storage might not be covered. Consider moving your vehicle to avoid extra charges.
Who do I tell this to about me paying for the towing and storage fees
Hello ****, you should contact the at-fault driver's insurance company. Provide them with the receipts for the towing and storage fees. They should process your claim and reimburse your expenses.
Thank you
You're welcome, ****! If you have any more questions or need further clarification, don't hesitate to ask. We're here to help.
Should I call my insurance without the police report
Hello ****, it's typically recommended to report the accident to your insurance company as soon as possible. They can start processing your claim. However, the police report can be crucial for proving fault. Did the police attend the scene and is a report being made?
The police dash cam recorded everything and it will take a week for the police Report to be done
Hello ****, it's good the police are preparing a report. You can inform your insurance about the accident and that a police report is forthcoming. This helps them to prepare for potential claims. Do you have any other questions?
How do I get dash cam footage from the police
Hello ****, in Texas, you can request police dash cam footage by:
- Submitting a Public Information Act (PIA) request to the relevant police department.
- You may be charged a fee for this service.
- Note that there may be certain restrictions or exceptions.