“Texas Tough” McKay Law

Texarkana Slip and Fall Accident Attorney

A slip and fall can happen in a split second and change everything. Fractured hips, serious head trauma, spinal damage — these are the real consequences of a condition the property owner should have fixed. At McKay Law, we stand with slip and fall victims throughout Texarkana, pursuing the property owners whose carelessness caused life-altering damage. Whether you fell at a retail store, a entertainment venue, an apartment complex or parking lot, or a public sidewalk or walkway, our experienced legal team are ready to fight for the compensation you deserve.

Our firm takes on slip, trip, and fall cases throughout Texarkana and the surrounding East Texas area, standing up for people injured by liquid hazards left unaddressed, leaked product on retail floors, damaged carpeting, uneven pavement, missing or broken handrails, poorly lit walking surfaces, ice, water, or weather-related hazards, unsecured floor coverings, and other failures of basic maintenance. Backed by a thorough command of state statutes governing property owner responsibility, we build cases designed to establish what the owner knew or should have known. The heart of every slip and fall case is notice — did the property owner have enough time to discover and address the danger before you fell? Insurance companies fight these cases hard — arguing you weren’t paying attention, that the hazard was “open and obvious,” or that incident reports tell a different story. We push back relentlessly and build the evidence your case needs. With a reputation for substantial settlements against major retailers and their insurers, we work tirelessly to help you move forward. Let our family help yours.

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Texarkana Slip and Fall Accident Law Firm | McKay Law

A slip and fall accident can change everything in an instant. One second you’re visiting a property in Texarkana, TX, and moments later you’re coping with broken bones, mounting hospital bills, aggressive insurance adjusters, lost wages, and questions you never expected to ask. McKay Law supports people injured in falls on unsafe property and their families throughout Texas, guiding them through every step of the personal injury claims process with clarity and purpose. Whether your fall stemmed from a freshly mopped surface with no warning signs, ice or water in a store entrance, broken or uneven flooring, unsecured floor mats, hazardous walkways, defective handrails, dark stairwells or parking lots, cluttered aisles, unsafe lot conditions, or missing “wet floor” signs, our attorneys carefully investigate the evidence—store records, surveillance footage, maintenance and cleaning logs, past safety issues, visual evidence, and witness accounts—to show exactly how the property owner or business caused your injuries.

Effective legal advocacy requires more than legal knowledge—especially when proving the property owner had notice of the hazard. At McKay Law, we acknowledge the real toll a preventable fall injury puts on your body, your finances, and your family’s sense of security—especially since falls often cause traumatic brain injuries and back damage. That’s why we blend sharp legal strategy with genuine compassion, staying with you from your first conversation through the final settlement or verdict. Property owners, businesses, and their insurers are experts at reducing settlements, blaming you for wearing the wrong shoes, destroying surveillance footage, denying they knew about the spill, and pointing fingers—we are equally skilled at pushing back. Our firm holds careless businesses, retail stores, restaurants, grocery stores, management companies, and insurance carriers fully accountable under Texas law, giving injured people in Texarkana, TX the results and reassurance they deserve.

Every client we represent deserves the greatest award the law allows—especially when slip and fall injuries can cause chronic pain and long-term complications. That means demanding compensation for emergency care, ongoing medical treatment, operations and recovery, ongoing therapy sessions, assistive devices, missed wages, diminished earning capacity, pain and suffering, psychological suffering, and the long-term consequences of your injuries. While we oversee the investigation, negotiation, and litigation—including preserving surveillance footage before the property owner can let it be overwritten—you focus on getting better. If you’ve been injured in a slip and fall in Texarkana, TX, call McKay Law—we’ll fight for your rights and help you move forward with confidence.

Understanding Slip and Fall Accident Claims in Texarkana, TX

Most of us dismiss a slip-and-fall as awkward — until the injury turns out to be serious. A broken hip, a torn rotator cuff, a herniated disc, a traumatic brain injury from striking the head on the way down — none of these are minor problems, and none of them go away on their own. For older adults, a single fall can trigger a permanent decline in mobility and independence. And more often than people realize, the hazard that caused the fall was something the property owner knew about — or should have known about — and didn’t fix. If you or a family member was hurt in a slip-and-fall in Texarkana, TX, Texas law may provide you with a path to compensation, though the path is narrower and more technical than most people assume.

The Reason Slip-and-Falls Get Underestimated

At a glance, a slip-and-fall claim sounds simple: you fell on someone’s property, they should pay. In Texas, the law is much more nuanced. These are in the most aggressively defended personal injury claims in the state, and insurance companies count on injured people not knowing the rules.

You Have to Prove the Owner Knew — or Should Have Known. It’s not enough to prove that a hazard existed. Texas law requires the plaintiff to show the property owner had actual or constructive knowledge of the dangerous condition and neglected to address it.

“Open and Obvious” Is a Favorite Defense. If the hazard was plainly visible — a large yellow spill, an obvious hole in the sidewalk, a cord stretched across a walkway — the defendant may contend they had no duty to warn about something any reasonable person would see and avoid.

Comparative Fault Gets Weaponized. Defense lawyers routinely argue that the injured person wasn’t watching where they were walking, was distracted by a phone, or was wearing inappropriate footwear — whatever it takes to shift blame from the property to the person who fell.

Evidence Disappears in Days. The spill gets mopped. The broken floor tile gets replaced. Surveillance footage gets overwritten on short cycles. The incident report — if the store even wrote one — gets buried in a risk management file.

The Hazards Behind Most Falls

Most slip-and-fall claims in Texarkana, TX boil down to a handful of recurring hazards:

  • Wet or freshly mopped floors without warning signs
  • Spilled liquids in grocery stores, big-box retailers, and restaurants
  • Leaking refrigeration units and coolers
  • Uneven tile, flooring transitions, or worn carpet
  • Cracked sidewalks, parking lots, and entryways
  • Poor lighting in stairwells, garages, and walkways
  • Icy or wet entry mats not changed or maintained
  • Loose handrails or missing handrails on stairs
  • Clutter and merchandise left in aisles
  • Cords and cables stretched across walking paths
  • Broken or uneven stairs
  • Potholes and ruts in parking lots
  • Recently waxed floors without warning
  • Rainwater tracked inside without adequate mats or caution signs

What unites them is a property owner or employee who either created the hazard or neglected to address one they knew about.

The Legal Framework

Slip-and-fall claims in Texarkana, TX are controlled by Texas premises liability law — the Texas Civil Practice and Remedies Code and decades of common-law doctrine. A handful of principles dominate:

The Four Elements. To succeed, the plaintiff must show (1) the owner or occupier had actual or constructive knowledge of a condition on the premises, (2) the condition posed an unreasonable risk of harm, (3) the owner or occupier did not exercise reasonable care to reduce or eliminate the risk, and (4) that failure proximately caused the injury.

Actual vs. Constructive Knowledge. “Actual knowledge” means someone at the business directly knew about the hazard. “Constructive knowledge” means the hazard existed long enough that a reasonable owner should have discovered it. Texas courts call this the “time-on-floor” question, and it’s where most slip-and-fall cases are won or lost. A puddle that existed for five minutes is hard to pin on the business. The same puddle, with shopping cart tracks through it and footprints around it, suggesting it had been there for an hour, tells a very different story.

Your Visitor Status Matters. Texas law divides visitors into three categories — invitee, licensee, and trespasser — and the duty owed depends on which category you fall into. A customer at a business is an invitee and is owed the highest duty. A social guest at a home is a licensee and is owed a lesser duty. A trespasser is owed the least.

Modified Comparative Fault. Texas follows a “51% bar rule.” If the injured person is found more than 50% at fault, recovery is blocked. Below that, damages are reduced by the injured person’s percentage of fault. This is where insurers push hardest.

Damage Caps. Most compensatory damages are uncapped. Punitive damages are subject to statutory limits. Claims against governmental entities — falls at public schools, courthouses, or city sidewalks — are governed by the Texas Tort Claims Act, which imposes damage caps and short notice deadlines.

Where Slip-and-Falls Happen Most

After handling slip-and-fall cases for clients across East Texas, certain settings produce injury claims over and over:

  • Grocery stores and supermarkets (spills, leaking produce mist, wet entryways)
  • Big-box retailers like Walmart, Target, and home improvement stores
  • Restaurants and fast-food establishments (kitchen spills, wet bathroom floors)
  • Hotels and motels (pool decks, lobby entryways, bathroom floors)
  • Apartment complexes (broken stairs, poor lighting, uncleared walkways)
  • Office buildings and commercial lobbies
  • Gas stations and convenience stores
  • Gyms and fitness centers
  • Parking lots and parking garages
  • Hospitals and medical offices
  • Nursing homes and assisted living facilities
  • Public buildings and government offices (triggering Tort Claims Act issues)
  • Private homes (often resolved through homeowner’s insurance)

Why These Falls Cause Such Serious Harm

Slip-and-fall injuries are often more serious than people assume — especially for older adults. The injuries we see most often include broken hips, wrists, ankles, and elbows; traumatic brain injuries from striking the head; herniated and bulging discs; torn rotator cuffs and other shoulder injuries; knee injuries including meniscus tears and ACL damage; facial fractures and dental injuries; spinal cord injuries in severe cases; and chronic pain syndromes that develop long after the initial trauma.

For adults over 65, a hip fracture from a fall carries a strikingly elevated mortality risk in the year that follows — a reality that makes properly valuing these cases essential.

Evidence That Wins These Cases

Slip-and-fall cases are won on evidence that often starts disappearing the moment it’s created. The most valuable evidence includes surveillance footage (many businesses overwrite within 7 to 30 days, sometimes less), incident reports filed by staff or management, photographs of the hazard and the scene at the time of the fall, the footwear worn at the time, witness names and statements, maintenance and cleaning logs (which often show how often and when floors were inspected), prior complaint records, prior incident reports involving similar hazards, medical records documenting the injuries and causation, and — where relevant — expert analysis from safety engineers, human factors experts, or flooring specialists.

What makes this urgent: most of this evidence is controlled by the property owner, and routine business practices destroy or discard it quickly. A preservation letter sent by an attorney in the first days after a fall can be the difference between having proof and losing it.

Immediate Steps If You’ve Fallen

What happens in the moments after a fall meaningfully affects any later claim. When possible:

  • Report the fall to the manager or property owner immediately and insist on an incident report — ask for a copy
  • Photograph the hazard from multiple angles before anyone cleans it up
  • Photograph your footwear
  • Document the exact location and time
  • Get names and phone numbers from any witnesses
  • Seek medical attention, even if you think you’re “just sore” — many serious injuries don’t present symptoms for hours or days
  • Preserve any clothing or items damaged in the fall
  • Avoid giving a recorded statement to the property’s insurer before consulting an attorney
  • Do not post about the fall on social media
  • Keep every medical bill, pharmacy receipt, and appointment record

The Two-Year Clock — With an Important Exception

Texas generally sets a two-year statute of limitations on slip-and-fall claims, measured from the date of the fall. Let it pass, and the right to recover is almost always gone — permanently. Here’s the wrinkle: falls on property owned by a governmental entity — a city sidewalk, a county building, a public school, a public hospital — are governed by the Texas Tort Claims Act, which requires written notice of the claim much earlier, often within six months or less. Many municipalities have their own charter-based notice rules that are shorter still. Missing a notice deadline under the Tort Claims Act can end an otherwise strong case from the start.

The Value of a Skilled Slip-and-Fall Attorney

Slip-and-fall cases look simple from the outside — until you try to navigate one. Retailers, apartment management companies, nursing home chains, and their insurers have defense playbooks polished over thousands of claims. They know the “open and obvious” defense, they know how to question whether the hazard existed long enough to establish constructive knowledge, and they know how to turn a customer’s fall into an argument about the customer’s own inattention. They routinely offer quick settlements before the full medical picture — including future surgeries, chronic pain management, and lost earning capacity — has come into focus.

An experienced Texarkana slip-and-fall attorney rebalances that dynamic. The right lawyer will send preservation letters immediately to protect surveillance footage and incident reports, investigate the property’s history of similar falls, obtain cleaning and inspection logs, identify every potentially liable party (property owner, operator, tenant business, cleaning contractor, maintenance company), bring in safety engineers or human factors experts when warranted, document the full long-term cost of the injuries, and refuse to accept a settlement that doesn’t reflect the true value of the case.

If you or someone you care about was hurt in a slip-and-fall in Texarkana, TX, the time to act is now. Reach out to an experienced slip-and-fall attorney today for a review of your case — before evidence disappears and critical deadlines slip by.

Slip and Fall Injury Attorney in Texarkana: Devoted Legal Advocacy from Lindsey McKay

A single moment can change everything. When spilled product, a recently cleaned surface, or a hidden hazard brings someone down, the injured individual rarely walks away the same. Medical expenses start piling in before the visible injuries fade. A quick trip becomes weeks of missed paychecks. Income suddenly halts while recovery stretches on for weeks or months. And behind all of it is the unspoken, wearying load of psychological trauma that does not show up on any X-ray.

For residents throughout Texarkana who are navigating this type of abrupt disruption, the path forward often feels impossible to navigate alone. They deserve someone fighting for them who recognizes what they are up against, regards them as an individual rather than a docket entry, and will work tirelessly for the recovery they are owed. Lindsey McKay has structured her law practice around precisely this type of advocacy, helping people hurt in falls throughout the Texarkana region with a combination of real understanding and substantial legal skill.

Putting the Client at the Center of Every Case

Numerous law practices claim to be client-focused. What genuinely separates Lindsey McKay’s approach is how faithfully that promise plays out in reality. She approaches each case knowing that behind the incident reports, health records, and insurance communications, there is an actual person working to rebuild their life. The individual across her desk could be a parent anxious about caring for their family, a patron injured while going about ordinary shopping, or a retiree whose quiet routine has been shattered by a fall they never saw coming.

Rather than racing through intake meetings and forcing a standard plan onto every matter, McKay takes time to listen. She wants to understand what happened, the full extent of her client’s losses, and what successful outcome means for that specific family. Only then does she build a legal strategy designed around those specific circumstances.

That client-first orientation also shapes how she communicates. People she represents should never have to question the status of their matter or chase down their own lawyer for updates. McKay maintains contact with clients through all parts of the case, sharing news in easy-to-understand language and seeing that all inquiries are addressed. That kind of regular, candid conversation forms the foundation of trust that supports a case through months or years of legal proceedings.

The Complete Range of Harm from a Fall

Slip and fall injuries happen in many ways. Some involve slippery floors at grocery stores where spills are left unflagged. Others feature just-cleaned surfaces in restaurants, dripping cooler cases, or puddled rainwater at building entrances, where a failure to warn or clean up quickly leads to a serious fall. Frozen walkways, slick stair surfaces, newly polished floors without warning, and liquid near beverage counters each bring their own specific hazards. What they share is that a property owner or operator failed to keep the floor safe for visitors. Under Texas law, property owners and businesses must exercise reasonable care to maintain safe conditions for customers and guests, and when that duty is breached, the results are often catastrophic.

Traumatic brain injuries, spinal cord damage, broken bones, hip fractures, torn ligaments, and permanent disfigurement are typical injuries sustained by slip and fall victims. Falls especially can be life-changing for seniors, sometimes leading to ongoing mobility difficulties or far worse outcomes. Falls rank as one of the leading causes of injury deaths among adults over 65. But the original hospital bill is rarely where expenses stop. Healing often extends for months or years, requiring operations, physical therapy, mobility aids, home adjustments, and continued treatment. Some victims never go back to their prior jobs. Others lose the capacity to handle daily life without help.

McKay takes the time to catalog the entire extent of her clients’ damages. That means reaching beyond the current charges to account for future medical needs, recovery program costs, compromised future income, pain and suffering, and the general loss of life satisfaction. Texas law allows recovery for all of these categories of damages, but only when they are thoroughly documented and shown. Her thorough approach is designed to verify that every element is captured.

The emotional aftermath deserves the same careful attention. Fear of falling again, nervousness in busy areas, depression, post-traumatic stress, and strained relationships are all common among slip and fall survivors. These are not soft or secondary injuries. They are real harms that deserve real compensation, and McKay works to ensure they are properly valued in every claim she handles.

Navigating a Complex Legal Landscape

Slip and fall claims in Texas are not straightforward. Building a slip and fall case normally requires proving the property owner had notice or should have had notice of the unsafe condition, had a reasonable opportunity to fix it or warn about it, and failed to do so. Establishing how long a condition was present or whether employees had inspected recently often determines whether a case succeeds or fails.

On the other side, business owners and their insurance carriers often respond hard. They often have adjusters and defense attorneys at the location within hours of a fall, laboring to construct a story that shifts blame to the victim. They might assert the hazard was visible or that the victim wasn’t watching where they were walking. Under Texas’s comparative fault rules, any portion of blame placed on the victim cuts into their recovery, and if the victim is found over half responsible, they recover nothing at all. At the same time, those hurt are often still in the hospital. The push to settle fast, before the full extent of injuries is known, can be overwhelming. Lowball offers often arrive dressed up as generosity.

Resisting that pressure calls for an attorney familiar with the territory. McKay is well-versed in Texas premises liability law, comparative fault principles, and the safety standards that apply to businesses and property owners. She knows what surveillance video, inspection records, and cleaning schedules ought to display, what store policies typically require when it comes to identifying and cleaning up hazards, and how to fight the “open and obvious” and shared fault defenses that routinely come up. She stays current on legal developments that might affect her clients’ cases.

Her approach to investigation is careful and orderly. She works with safety analysts, floor materials experts, medical professionals, and career economists to build cases that hold up under scrutiny. Evidence gets preserved carefully, spanning camera footage, incident reports, inspection records, cleaning logs, scene photographs, and witness reports. When settlement talks work out, that groundwork pushes values upward. When a case has to go to trial, that same preparation is what wins verdicts.

A Local Attorney Familiar with the Area

Texarkana has its particular array of supermarkets, large retailers, restaurants, and shopping destinations where falls take place. Each comes with its own risks, common hazards, and cleaning protocols that apply. McKay’s familiarity with the area means she understands how community businesses operate, what safety regulations apply, and how nearby courts handle these cases.

This community familiarity is important. So does her commitment to honest, principled work. McKay tells clients the truth about their cases, including the weaknesses. She avoids commitments she cannot honor. What she offers instead is honest assessment, serious preparation, and relentless effort on her clients’ behalf.

Prompt Action Matters

If you or a relative has been harmed in a fall on someone else’s property in Texarkana, the decisions made in the first days after the fall can shape the entire case. Texas imposes strict time limits on personal injury claims, and important evidence can vanish fast. Camera recordings can be erased, sometimes within just days. The hazard is eliminated and the scene is returned to normal. Inspection files and maintenance documentation can be misplaced or changed. Witnesses relocate or forget specifics. Staff members leave their jobs and become hard to find.

Meanwhile, the store’s representatives are already working on their account of the incident. The earlier you have your own lawyer investigating, securing evidence, and notifying those at fault, the more robust your claim grows.

Lindsey McKay offers sympathetic, skilled legal advice to help slip and fall victims grasp their rights and consider their choices. Taking a case seriously means more than filing paperwork and waiting for a settlement offer. It means advocating for the honor, health, and financial safety of the injured individual. With McKay handling the legal fight, clients can focus on healing while she focuses on holding negligent businesses, property owners, and their insurers accountable for the harm they caused.

The 6 Most Common Causes Slip-and-Fall Accidents in Texarkana

Slip-and-fall accidents are among the most widespread types of personal injury claims in Texarkana and across the country. Despite the seemingly minor name, these falls can cause devastating injuries — broken hips, wrist fractures, traumatic brain injuries, spinal damage, and even fatalities, most often among older adults. Regardless of whether you’re a longtime local of Texarkana or simply visiting, knowing what causes most slip-and-fall accidents can allow you to stay alert, protect yourself, and know what to do if you’re ever injured. Here are the six most common reasons behind slip-and-fall accidents in Texarkana.

1. Wet or Slippery Floors

Wet floors are the most frequent cause of slip-and-fall accidents in Texarkana. Grocery store aisles where a drink has spilled, freshly mopped restaurant floors without warning signs, water tracked in from rainy weather, leaking refrigerator cases, and wet bathroom tiles all result in serious falls every day. Property owners have a legal obligation to clean up spills promptly and warn visitors about wet surfaces — and when they don’t, they can be held accountable for resulting injuries.

Protect yourself: Watch for warning cones, walk slowly on shiny or freshly cleaned surfaces, and report spills to staff when you see them.

#2 Uneven Flooring and Damaged Walkways

Cracked sidewalks, uneven pavement, raised tiles, torn carpeting, loose floorboards, and potholes in parking lots cause a sizable number of falls in Texarkana. Older neighborhoods and strip malls where maintenance has been neglected are particularly prone to these hazards. Even a half-inch difference in surface height can catch a toe and send someone sprawling — and property owners are responsible for keeping walking surfaces in reasonable condition.

Stay safer: Watch where you’re walking especially in parking lots and older commercial areas, and report damaged flooring to property management in writing.

#3 Inadequate Lighting

Dim conditions turn otherwise manageable hazards into serious dangers. Stairwells with burned-out bulbs, parking garages with broken overhead lights, dimly lit restaurant entrances, and unlit apartment walkways all contribute to falls in Texarkana. When people can’t see cracks, curbs, steps, or obstacles, they’re far more likely to misjudge a step or miss a change in elevation. Property owners have a duty to maintain adequate lighting throughout their premises.

Stay safer: Use a phone flashlight in dim areas, avoid poorly lit shortcuts, and report burned-out lights to property managers.

4. Staircase Falls

Staircases are involved in a notable share of serious fall injuries because the consequences of falling down stairs are often far worse than a flat-surface fall. Missing or loose handrails, uneven step heights, worn or torn carpet runners, inadequate lighting, and wet or slippery treads all contribute to stairway accidents in Texarkana. Building codes mandate specific standards for stair construction and maintenance, and violations of those codes often support premises liability claims.

Stay safer: Always use handrails when available, take stairs deliberately when carrying items, and avoid distractions like your phone while descending.

5. Weather-Related Hazards

Texarkana weather can create rapidly changing slip-and-fall hazards. Heavy rain brings water tracked onto tile floors and slippery wet surfaces outside building entrances. Occasional ice storms and freezing rain create dangerous conditions on sidewalks, parking lots, and stairs — even in areas that seldom see winter weather. Property owners have a legal obligation to address weather-related hazards within a appropriate time, including putting out mats, clearing walkways, and posting warnings.

Stay safe: Wear appropriate footwear during wet or icy weather, take short steps on slick surfaces, and use handrails wherever they’re available.

#6 Cluttered Walkways and Obstructed Paths

Merchandise left in grocery store aisles, boxes blocking warehouse walkways, loose cords across floors, trash and debris on sidewalks, and construction materials left in pedestrian areas all cause trips and falls in Texarkana. Retail stores are particularly prone to these claims when employees restock shelves during busy hours or leave pallets and ladders in aisles. Property owners are responsible for keeping walking paths clear or clearly marked when obstructions can’t be avoided.

Protect yourself: Stay alert in busy stores during restocking hours, watch for cords or boxes on the floor, and report tripping hazards to staff or management.


What to Do If You Fall

Slip-and-fall cases typically come down to evidence, and evidence disappears quickly. Wet floors get mopped up, warning cones get moved, and broken tiles get repaired — sometimes within hours of an accident. If you fall: report the incident to the property owner or manager as soon as possible and ask for a written incident report, take photos of the hazard and your injuries before anything changes, get contact information from any witnesses, save the clothes and shoes you were wearing, and seek medical attention even if you feel okay — head and spinal injuries aren’t always obvious right away. Texas law generally gives slip-and-fall victims two years from the date of injury to file a claim, but early action makes a difference because proof fades fast.

Texarkana, TX  Slip and Fall Accident Law Firm
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What rights do I have in Texarkana after a personal injury

What rights do I have in Texarkana after a slip and fall accident

Right to seek compensation. If someone else’s negligence caused your injury, you can pursue damages for medical bills (past and future), lost wages and lost earning capacity, property damage, pain and suffering, mental anguish, and in some cases punitive damages if the conduct was grossly negligent.

Statute of limitations. Texas generally gives you two years from the date of the injury to file a lawsuit (Texas Civil Practice & Remedies Code §16.003). Miss it and you usually lose the right to sue entirely. Claims against government entities have much shorter notice deadlines — often six months or less.

Modified comparative fault (the “51% bar rule”). Texas reduces your recovery by your percentage of fault, and if you’re found more than 50% at fault, you recover nothing.

Right to refuse to give a recorded statement to the other party’s insurance company. You’re not obligated to, and it’s often wise not to without legal advice.

Right to your own medical care and records, and to choose your own doctor (outside of workers’ comp situations, where rules can differ).

Right to negotiate or reject settlement offers. Initial insurance offers are typically low; you’re not obligated to accept.

If it’s a car accident: Texas is an at-fault state, so the at-fault driver’s insurance is primarily liable. Minimum liability coverage is 30/60/25.

If it’s a work injury: Texas is unusual in that employers can opt out of workers’ comp. If your employer carries it, your remedies are generally limited to the WC system; if they don’t, you may be able to sue them directly.

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