“Texas Tough” McKay Law

White Oak Slip and Fall Accident Attorney

A slip and fall is often dismissed as clumsiness — until the injuries prove otherwise. Torn ligaments, concussions and traumatic brain injuries, lasting mobility problems — these are the real consequences of a condition the property owner should have fixed. At McKay Law, we advocate for slip and fall victims throughout White Oak, fighting the companies and insurers whose negligence caused life-altering damage. If you were injured at a grocery store or supermarket, a entertainment venue, an apartment complex or parking lot, or a public sidewalk or walkway, our experienced legal team are ready to pursue every responsible party.

Our firm pursues slip, trip, and fall cases throughout White Oak and the surrounding East Texas area, advocating for people injured by wet or freshly mopped floors, spilled food or drinks in store aisles, damaged carpeting, broken or cracked sidewalks, defective staircases, poorly lit walking surfaces, ice, water, or weather-related hazards, unsecured floor coverings, and other preventable hazards. Drawing on a thorough command of Texas premises liability law and the invitee-licensee-trespasser framework, we build cases designed to establish what the owner knew or should have known. Slip and fall cases turn on a single critical question — 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 work tirelessly and build the evidence your case needs. With a reputation for substantial settlements against major retailers and their insurers, we push hard to help you move forward. Let our family help yours.

Do You Have A Claim?

White Oak Slip and Fall Accident Law Firm | McKay Law

A trip and fall accident can change everything in a single moment. In one moment you’re shopping at a store, restaurant, or business in White Oak, TX, and suddenly you’re confronting debilitating harm, mounting hospital bills, aggressive insurance adjusters, time away from work, and questions you never imagined having. McKay Law advocates for people injured in falls on unsafe property and their families throughout Texas, walking them through every step of the personal injury claims process with focus and compassion. Whether your fall resulted from a spilled liquid left unattended, leaking refrigeration units, damaged carpeting, torn or bunched-up rugs, cracked or uneven sidewalks, defective handrails, inadequate lighting, cluttered aisles, potholes in parking lots, or failure to mark hazards, our attorneys thoroughly examine the evidence—store records, surveillance footage, maintenance and cleaning logs, previous incidents, photographs of the hazard, and witness accounts—to show exactly how the property owner or business caused your injuries.

Quality legal representation takes more than trial skills—especially when overcoming common defenses used against fall victims. At McKay Law, we appreciate the full weight a preventable fall injury places on your body, your finances, and your family’s sense of security—given that slip and falls commonly lead to hip fractures, broken wrists, and spinal injuries. That’s why we pair strong legal advocacy with genuine compassion, walking with you from your first consultation through the final resolution. Property owners, businesses, and their insurers are practiced at reducing settlements, arguing you should have watched where you were walking, conveniently losing incident reports, denying they knew about the spill, and deflecting responsibility—we are just as adept at pushing back. Our firm holds negligent property owners, retail stores, restaurants, grocery stores, management companies, and insurance carriers fully accountable under Texas law, giving injured people in White Oak, TX the outcomes and peace of mind they deserve.

Every client we represent deserves the largest recovery the law allows—especially when slip and fall injuries can cause chronic pain and long-term complications. That means seeking compensation for emergency care, ongoing medical treatment, surgical procedures and therapy, ongoing therapy sessions, medical equipment, missed wages, reduced ability to earn, pain and suffering, emotional distress, and the enduring impact of your injuries. While we oversee the investigation, negotiation, and litigation—including obtaining cleaning and maintenance logs before the property owner can destroy or alter it—you stay focused on healing. If you’ve been hurt due to a dangerous property condition in White Oak, TX, get in touch with McKay Law—we’ll defend your rights and help you take the next step forward with confidence.

Understanding Slip and Fall Accident Claims in White Oak, TX

Most of us dismiss a slip-and-fall as awkward — until the injury turns out to be life-altering. 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 small problems, and none of them go away on their own. For elderly victims, a single fall can set off 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 a loved one was hurt in a slip-and-fall in White Oak, TX, Texas law may provide you with a path to compensation, though the path is more complicated than most people assume.

The Reason Slip-and-Falls Get Underestimated

On the surface, a slip-and-fall claim sounds simple: you fell on someone’s property, they should pay. In Texas, the truth is far more technical. 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 show that a hazard existed. Texas law requires you to show the property owner had actual or constructive knowledge of the dangerous condition and didn’t 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 argue they had no duty to warn about something any reasonable person would see and avoid.

Comparative Fault Gets Weaponized. Defense lawyers reliably argue that the injured person wasn’t watching where they were walking, was distracted by a phone, or was wearing inappropriate footwear — whatever 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.

What Actually Causes These Falls

Most slip-and-fall claims in White Oak, TX come 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 didn’t address one they knew about.

The Legal Framework

Slip-and-fall claims in White Oak, TX are governed by Texas premises liability law — the Texas Civil Practice and Remedies Code and decades of common-law doctrine. A few 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.

The Settings Behind Most Falls

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

  • 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)

The Injuries That Follow

Slip-and-fall injuries are often more serious than people assume — especially for elderly victims. 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 built on evidence that frequently 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.

The challenge: 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.

What to Do After a Fall

What happens in the moments after a fall substantially affects any later claim. If circumstances allow:

  • 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

Filing Deadlines

Texas generally sets a two-year statute of limitations on slip-and-fall claims, measured from the date of the fall. Miss that deadline, and the right to recover is almost always gone — permanently. But note: 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 far sooner, 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 at the gate.

Why Experienced Counsel Matters

These cases are deceptively complex — until you try to handle one. Retailers, apartment management companies, nursing home chains, and their insurers have defense playbooks refined 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 White Oak slip-and-fall attorney changes 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 account for the true value of the case.

If you or someone you are close to was hurt in a slip-and-fall in White Oak, TX, the time to act is now. Reach out to an experienced slip-and-fall attorney right away for a consultation of your case — before evidence disappears and critical deadlines slip by.

Slip and Fall Injury Attorney in White Oak: Dedicated Legal Advocacy from Lindsey McKay

A single moment can change everything. When a puddle, a wet floor, or an unflagged danger causes someone to fall hard, the injured individual rarely walks away the same. Medical expenses start piling in before the visible injuries fade. A simple errand turns into weeks of lost work. Paychecks stop coming in while recovery drags out across weeks or months. And behind all of it is the subtle, exhausting weight of mental anguish that does not show up on any X-ray.

For people across White Oak who find themselves living through this kind of sudden upheaval, the road ahead can feel overwhelming to walk by themselves. They need someone in their corner who truly comprehends what they are going through, regards them as an individual rather than a docket entry, and will work tirelessly for the recovery they are owed. Lindsey McKay has built her practice around exactly that kind of representation, assisting slip and fall injury victims across White Oak with a blend of genuine compassion and serious legal firepower.

Putting the Client at the Center of Every Case

Numerous law practices claim to be client-focused. What actually distinguishes Lindsey McKay’s work is how reliably that commitment shows up in daily work. She approaches each case knowing that behind every accident report, medical file, and insurance letter, there is an actual person working to rebuild their life. Her client might be a mother or father concerned about supporting their children, a customer hurt while simply running errands at a store, or a retiree whose quiet routine has been shattered by a fall they never saw coming.

Instead of hurrying through client meetings and applying a one-size-fits-all approach, McKay takes time to listen. She wants to comprehend the events, what her client has lost, and what rebuilding looks like for that particular household. Only then does she build a legal strategy designed around those specific circumstances.

That client-centered philosophy also guides her communication. Clients should never have to wonder what is happening with their case or pursue their own attorney just to get updates. McKay keeps her clients informed through every phase of the process, explaining developments in plain language and ensuring every question receives a response. That kind of regular, candid conversation develops the trust needed to carry a matter through months or years of litigation.

The Complete Range of Harm from a Fall

Slip and fall accidents take many forms. Some involve slippery floors at grocery stores where spills are left unflagged. Some are falls on recently cleaned floors in restaurants, leaky refrigeration units, or rainwater at store entryways, where a lapse in warning or cleanup causes a major fall. Iced-over walkways, slippery stairs, freshly waxed floors without notice, and spills near drink dispensers all pose their own distinct dangers. Their common feature is that the party in control of the premises neglected their duty to keep floors reasonably safe. Under Texas legal standards, property owners and businesses owe a duty of reasonable care to keep their property safe for invitees, and when that duty is breached, the results are often catastrophic.

Head injuries, spinal trauma, fractured bones, broken hips, ligament tears, and lasting disfigurement are common injuries suffered by slip and fall victims. Falls, in particular, can be life-altering for older adults, commonly causing permanent mobility problems or fatal complications. Falls rank as one of the leading causes of injury deaths among adults over 65. But the initial emergency room bill is rarely the end of the story. Recuperation typically spans months or years, requiring operations, physical therapy, mobility aids, home adjustments, and continued treatment. Some patients are unable to return to their former occupations. Others lose the ability to live independently.

McKay takes the time to capture the full measure of what her clients have suffered. That means reaching beyond the current charges to include upcoming healthcare requirements, rehabilitation costs, reduced earning potential, physical and emotional distress, and the overall reduction in life enjoyment. Texas law allows recovery for all of these categories of damages, but only when they are adequately chronicled and presented. Her thorough approach is designed to verify that every element is captured.

The mental consequences deserve the same diligent focus. Anxiety about falling, anxiety in public spaces, depression, post-traumatic stress, and strained relationships are all common among slip and fall survivors. These are not soft or secondary injuries. They are true harms that demand true compensation, and McKay strives to see them fairly valued in every matter she manages.

Working Through a Complicated Legal Terrain

Slip and fall claims in Texas are not straightforward. Winning a slip and fall case generally requires showing that the property owner knew or should have known about the hazard, had a reasonable opportunity to fix it or warn about it, and failed to do so. Showing how long a hazard existed or whether staff had performed proper inspections often determines whether a case succeeds or fails.

On the other side, businesses and their insurers usually respond with force. They often have investigators and legal teams at the scene within hours, striving to develop an account that makes the injured party at fault. They might assert the hazard was visible or that the victim wasn’t watching where they were walking. Under Texas’s modified comparative responsibility doctrine, any percentage of fault assigned to the victim diminishes their compensation, and if the victim is found more than 50% at fault, they recover nothing. At the same time, those hurt are often still in the hospital. The pressure to settle quickly, before anyone really knows how badly they have been hurt, can be intense. Undervalued settlements often appear cloaked as generous.

Cutting through that pressure requires an attorney who understands the terrain. McKay is well-versed in Texas premises liability law, comparative fault principles, and the safety standards that apply to businesses and property owners. She understands what security video, inspection files, and maintenance records ought to reflect, what store policies typically require when it comes to identifying and cleaning up hazards, and how to push back against the “open and obvious” and comparative negligence arguments that commonly appear. She stays current on legal developments that might affect her clients’ cases.

Her investigation method is systematic. She works with safety analysts, floor materials experts, medical professionals, and career economists to construct cases that withstand examination. Evidence gets preserved carefully, from surveillance video and incident reports to inspection logs, cleaning records, photos of the scene, and witness statements. When settlement negotiations succeed, that preparation is what drives the numbers higher. When a case has to go to trial, that same preparation is what wins verdicts.

A Local Attorney Familiar with the Area

White Oak has its own mix of grocery stores, big box retailers, restaurants, and shopping centers where slip and fall accidents happen. Each comes with its own risks, common hazards, and cleaning protocols that apply. McKay’s experience in the community means she understands how local businesses operate, what safety standards apply, and how courts handle these cases.

That regional awareness matters. So does her commitment to direct, ethical legal practice. McKay is honest with clients regarding their matters, including the challenges. She does not make promises she cannot keep. What she offers instead is straightforward evaluation, thorough preparation, and unwavering effort for her clients.

Acting Quickly Makes a Difference

If you or a relative has been harmed in a fall on someone else’s property in White Oak, the actions taken in the earliest days after the accident can determine the entire case. Texas imposes strict time limits on personal injury claims, and critical evidence can disappear quickly. Surveillance footage may be overwritten, sometimes within days. The hazard is eliminated and the scene is returned to normal. Inspection records and cleaning logs can be lost or altered. Bystanders move away or lose their recollections. Workers move on and become tough to track down.

Meanwhile, the business’s team is already at work building their side of the story. The sooner you have your own attorney investigating, preserving evidence, and putting the responsible parties on notice, the better your position gets.

Lindsey McKay offers caring, knowledgeable legal counsel to help slip and fall victims grasp their rights and consider their choices. Treating a case with gravity involves more than submitting documents and waiting for a settlement. It means battling for the respect, welfare, and economic stability of the injured person. 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 Frequent Causes Slip, Trip, and Fall Incidents in White Oak

Trip and fall incidents are among the most widespread types of personal injury claims in White Oak and throughout the nation. Despite the seemingly minor name, these falls can cause severe injuries — broken hips, wrist fractures, traumatic brain injuries, spinal damage, and even fatalities, particularly among older adults. Whether you’re a longtime resident of White Oak or simply visiting, knowing what causes most slip-and-fall accidents can help you 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 White Oak.

#1 Wet or Slippery Floors

Wet floors are the leading cause of slip-and-fall accidents in White Oak. 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 duty to clean up spills quickly and warn visitors about wet surfaces — and when they don’t, they can be held liable for resulting injuries.

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

2. Uneven Surfaces

Cracked sidewalks, uneven pavement, raised tiles, torn carpeting, loose floorboards, and potholes in parking lots cause a sizable number of falls in White Oak. 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.

Protect yourself: Watch where you’re walking particularly in parking lots and older commercial areas, and report damaged flooring to property management in writing.

#3 Dim or Burned-Out Lights

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 White Oak. 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 sufficient lighting throughout their premises.

Stay safe: 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 disproportionate share of serious fall injuries because the consequences of falling down stairs are frequently 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 White Oak. Building codes call for specific standards for stair construction and maintenance, and violations of those codes often support premises liability claims.

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

5. Weather-Related Hazards

White Oak weather can create sudden 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 — especially in areas that don’t often see winter weather. Property owners have a responsibility to address weather-related hazards within a appropriate time, including putting out mats, clearing walkways, and posting warnings.

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

#6 Obstacles and Debris

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 White Oak. 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.

Stay safe: 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 often 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 right away 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 don’t always become obvious right away. Texas law generally gives slip-and-fall victims two years from the date of injury to file a claim, but acting quickly matters because physical evidence fades fast.

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

What rights do I have in White Oak 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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