Do I Actually Have a Case?
Four questions on the things that decide whether a claim is worth bringing.
A claim needs four things: someone else at fault, a real injury, insurance that can be reached, and time left on the clock. This walks through them and tells you which one is your problem. It will tell you when the answer is no.
Your result
This is worth a real conversation
On what you have described there is another party at fault, a documented injury, and time left on the clock. That is the shape of a claim worth pursuing. The open question is coverage, because a claim is ultimately worth only the insurance that can be reached, and that takes a few phone calls to establish rather than a quiz. The most useful thing you can do this week is stop giving recorded statements and make sure nothing gets repaired, discarded, or recorded over.
Free case reviewYour result
Fault is your problem, and it may not be fatal
Texas apportions responsibility by percentage under § 33.001. If you are found more than 50% responsible you recover nothing, and below that your recovery is reduced by your share. Being partly at fault is not the end of a claim and people write off valid claims over this constantly. What matters is that your honest assessment of your own fault and a jury's are frequently different, and the other side's adjuster has every reason to talk you into the higher number. This is worth one conversation before you drop it.
How fault percentages workYour result
Probably not worth bringing, and here is why
Without treatment there is no medical record, and without a medical record there is very little to value. An injury claim is proven on paper, and the paper is the treatment. If you genuinely were not hurt, that is good news and you should not be talked into a claim. If you were hurt but did not go because of cost or because you assumed it would pass, that is a different situation and worth a call, because delayed treatment is explainable while absent treatment is not.
Ask anyway, it costs nothingYour result
The deadline is likely the issue
Texas gives two years from the date of injury under § 16.003(a), and past that the strongest case in the state is generally unenforceable. A small number of situations change the date: injuries to minors, some claims where the harm could not reasonably have been discovered at the time, and a death where the two years run from the date of death instead. Those are narrow and they are worth checking rather than assuming. If your date is genuinely past and no exception applies, you should be told that plainly instead of being signed up.
Check for an exception
The Honest Version
A calculator gets you close. Someone on site gets you the number.
If You Want a Real Answer
No cost to start.
A case review is free whether or not you hire anyone, and that includes being told plainly that you do not have a claim worth bringing.
- 01
Tell us what happened
A conversation, not an intake form. What happened, what hurts, and what the insurer has already said to you.
- 02
Evidence gets locked down
Preservation demands go out for video, truck data, and records while they still exist. This is the step that cannot wait.
- 03
Treatment and documentation
You get care. The claim gets built around the medical record, because that record is what the injury is worth on paper.
- 04
Demand, negotiation, or suit
A documented demand goes to the carrier. If the number is not serious, the case gets filed before the deadline, not after.
Next Step
Get the real number.
A calculator gives you a ballpark. A free on-site visit gives you the actual price.
Waterloo Injury Law PLLC (512) 555-0142 · intake@