Texas auto · A claim is a coverage question first
A Texas car-insurance claim is not a timer and it is not a guaranteed check. You report the loss, the company decides whether a coverage on your policy applies, and the settlement follows that coverage. This page will not invent how many days that takes.
Make the scene safe and call for help if anyone is hurt. Texas is a fault state: the driver who caused the crash is responsible, up to the liability limits on that driver’s policy. Your collision coverage, if you bought it, pays to repair your car after a crash, minus your collision deductible, without waiting on the other driver’s company. Comprehensive is the other physical-damage coverage. It is theft, hail, vandalism, flood to the car, and many animal strikes, each with its own deductible. The other driver’s liability does not pay your hail claim. If the car is a total loss, the usual settlement is actual cash value, unless a new-car, stated-amount, or gap endorsement applies. This page will not invent the percent of value that makes a Texas car a total loss. Gap pays the difference between that actual cash value and the loan only if you bought it. It does not pay the deductible and it does not hand you a new car.
What the policy can pay: what Texas car insurance covers and collision versus comprehensive. Liability is the other driver’s check: liability versus full coverage. Who to call at the company: claim contacts. The product: Texas auto.
