Check for injuries. Call 911 if anyone is hurt or if the vehicles cannot be moved safely.
Take photos of all vehicles involved, damage, license plates and the scene. Get the other driver's name, phone number, insurance company and policy number.
In Texas, you are required to report any accident that causes injury, death, or property damage over $1,000. Ask the officer for the report number.
Call the number on your insurance card. If you have a policy through Lopez, we can help you through this call and explain your coverage.
Even if you handle the initial report on your own, call us. We can review your policy, explain your coverage and help you work with your carrier on next steps, such as a rental car.
We help you understand what information may be needed and what to expect next.
If your policy is with one of our carriers, we can help you find the correct claims contact.
Our bilingual team can help you feel less lost during a stressful moment.
You can file with the other driver's insurance company, or with your own if you have collision coverage. If you use your own policy, your insurer may seek reimbursement from the other driver's carrier. This is called subrogation.
You may need your policy number, driver information, photos, police report and accident details.
Claims are usually handled by the insurance carrier, but Lopez can help you understand where to go and what information to prepare.
Not necessarily. It depends on your carrier, your history, and who was at fault. Call us and we can check
Most auto claims are resolved within 2–4 weeks, but complex cases can take longer. Your carrier will assign an adjuster and keep you updated.
