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I was in a multi-car accident. Do I have to call all the insurance companies?

In a multi-car accident, many different insurance companies will likely have to be involved. The biggest question that the insurance companies want is to determine who was at-fault for the accident.

After any car accident, you should always contact your insurance company. Right after, or even before, you call your insurance company call an attorney. The statute of limitations in Texas to file a claim is two years from the date of the crash.

You need to call your own insurance company right away because if you are going to file a claim under your insurance policy, they need to be notified as soon as possible. It is best to let them know what happened the same day of the accident. Your insurance company is likely going to ask what happened and what caused the wreck. Your insurance will want a statement from you about your observations and thoughts on the cause of the collision. If you do not inform your insurance company of the accident, they can deny your claim.

Another reason why you need to speak to your insurance company is that you signed a contract when you bought insurance. This contract lays out the obligations both parties have in the event of an accident.

If you are not sure who is at-fault for the accident you were involved in, you will have to file a claim with all the insurance companies involved. If the same company insures more than one driver, you will still have to file separate claims. Once fault is determined, you will be able to drop your claims against the other drivers.

Never talk to insurance companies alone. Multi-car accidents are complicated. Facing multiple insurance companies and accident investigators alone is not a good idea. You should hire a lawyer as soon as possible.

Your attorney can take over the complicated process while you have time to recover. Your lawyer knows what they are doing and can keep you from making a mistake that may cost you compensation.

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