“Texas Tough” McKay Law

Whitehouse Slip and Fall Accident Attorney

A slip and fall sounds minor until it happens to you. Broken bones, concussions and traumatic brain injuries, lasting mobility problems — these are the real consequences of a hazard no one cleaned up. At McKay Law, we advocate for slip and fall victims throughout Whitehouse, pursuing the property owners whose failure to maintain safe conditions caused serious harm. Whether you fell at a retail store, a restaurant or bar, an commercial property, or a common area, our experienced legal team are ready to take on the property owner’s insurer.

Our firm handles slip, trip, and fall cases throughout Whitehouse and the surrounding East Texas communities, advocating for people injured by liquid hazards left unaddressed, produce debris in grocery stores, raised or broken tiles, uneven pavement, missing or broken handrails, poorly lit walking surfaces, ice, water, or weather-related hazards, bunched-up entry mats, and other dangerous conditions. Backed by a strong working knowledge of state statutes governing property owner responsibility, 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 reason to know before you fell? Insurance companies deny these claims aggressively — arguing you weren’t paying attention, that the hazard was “open and obvious,” or that store records tell a different story. We work tirelessly and build the evidence your case needs. With a track record of real results against major retailers and their insurers, we fight relentlessly to help you rebuild. Let our family help yours.

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Whitehouse Slip and Fall Accident Law Firm | McKay Law

A slip and fall accident can change everything in a single moment. One second you’re shopping at a store, restaurant, or business in Whitehouse, TX, and suddenly you’re coping with head trauma, mounting hospital bills, aggressive insurance adjusters, time away from work, and questions you never expected to ask. McKay Law advocates for slip and fall victims and their families across Texas, leading them through every phase of the legal process with clarity and purpose. Whether your fall stemmed from a wet or slippery floor, tracked-in rainwater, damaged carpeting, curled carpet edges, cracked or uneven sidewalks, broken steps, poorly lit walkways, cluttered aisles, unsafe lot conditions, or lack of warning cones, our attorneys dig deep into the evidence—incident reports, CCTV recordings, maintenance and cleaning logs, previous incidents, visual evidence, and witness accounts—to show exactly how the property owner or business is responsible for your injuries.

Skilled legal counsel takes more than courtroom experience—particularly when establishing how long the dangerous condition existed. At McKay Law, we acknowledge the true impact a dangerous fall incident imposes on your body, your finances, and your family’s sense of security—given that slip and falls commonly lead to traumatic brain injuries and back damage. That’s why we match sharp legal strategy with real empathy, supporting you from your first conversation through the final resolution. Property owners, businesses, and their insurers are skilled at reducing settlements, claiming the hazard was “open and obvious”, destroying surveillance footage, claiming the hazard existed only briefly, and deflecting responsibility—we are equally skilled at pushing back. Our firm holds negligent property owners, retail stores, restaurants, grocery stores, management companies, and insurance carriers totally liable under Texas law, giving injured people in Whitehouse, TX the answers and security they deserve.

Every client we represent deserves the largest recovery the law allows—especially when slip and fall injuries can cause lasting physical harm. That means fighting for compensation for emergency care, continuing medical care, surgeries and rehabilitation, rehab services, assistive devices, missed wages, reduced ability to earn, pain and suffering, mental anguish, and the long-term consequences of your injuries. While we manage the investigation, negotiation, and litigation—including securing incident reports before the property owner can destroy or alter it—you concentrate on recovery. If you’ve been hurt due to a dangerous property condition in Whitehouse, TX, get in touch with McKay Law—we’ll defend your rights and help you get back on your feet with confidence.

Understanding Slip and Fall Accident Claims in Whitehouse, TX

Most of us dismiss a slip-and-fall as embarrassing — until the injury turns out to be severe. 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 elderly victims, a single fall can mark a permanent decline in mobility and independence. And in case after case, the danger 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 Whitehouse, TX, Texas law may provide you with a path to compensation, though the path is narrower and more technical than most people expect.

What Makes These Cases Tough

On the surface, a slip-and-fall claim sounds simple: you fell on someone’s property, they should pay. In Texas, the law is considerably more complicated. These are some of the most aggressively defended personal injury claims in the state, and insurance companies assume 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 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 argue 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 unsafe 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 Whitehouse, TX trace back 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.

How Texas Law Governs Slip-and-Fall Claims

Slip-and-fall claims in Whitehouse, 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 matter most:

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 denied. 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 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)

Why These Falls Cause Such Serious Harm

Slip-and-fall injuries are frequently 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 substantially elevated mortality risk in the year that follows — a reality that makes properly valuing these cases essential.

Proof Is Everything

Slip-and-fall cases are decided 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.

The difficulty: 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. 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

Statute of Limitations

Texas generally applies 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 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.

What the Right Lawyer Brings

These cases are deceptively complex — until you try to pursue 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 Whitehouse 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 Whitehouse, TX, don’t wait for the insurance company’s first offer. Contact an experienced slip-and-fall attorney as soon as you can for a evaluation of your case — before evidence disappears and critical deadlines slip by.

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

One instant can alter everything. When a puddle, a wet floor, or an unflagged danger causes someone to fall hard, the victim almost never escapes without lasting effects. Healthcare bills begin arriving before the swelling goes down. A simple errand turns into weeks of lost work. The regular paycheck disappears while recovery continues for weeks or even months. And behind all of it is the unspoken, wearying load of psychological trauma that does not show up on any X-ray.

For people across Whitehouse who find themselves living through this kind of sudden upheaval, moving forward often seems impossible without help. They need an advocate on their side who grasps the full weight of their situation, treats them as a person rather than a case file, and will work tirelessly for the recovery they are owed. Lindsey McKay has structured her law practice around precisely this type of advocacy, serving slip and fall victims throughout Whitehouse with a mix of authentic compassion and formidable legal capability.

Representation Built Around the Client

Plenty of law firms advertise themselves as client-focused. What really makes Lindsey McKay’s work different is how steadily that pledge translates into action. She approaches each case knowing that behind all the paperwork, medical charts, and insurance documents, there is an actual person working to rebuild their life. The person in her office could be a parent worried about providing for their kids, 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 learn the facts, what damages her client has suffered, and what justice requires for that individual family. Only then does she develop a case approach shaped by those unique details.

This client-focused mindset likewise influences her communication. Clients should never have to wonder what is happening with their case or have to track down their own lawyer for news. McKay maintains contact with clients through all parts of the case, explaining developments in plain language and ensuring every question receives a response. That kind of steady, truthful communication builds the trust that carries a case through months, sometimes years, of litigation.

The Full Impact of a Slip and Fall

Slip and fall injuries happen in many ways. Some occur when shoppers hit wet floors at supermarkets without warning cones. 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. Icy sidewalks, wet stair treads, waxed floors without proper signage, and liquid spills near beverage stations all pose their own distinct dangers. What they share is that a property owner or operator failed to keep the floor safe for visitors. 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 outcomes are frequently devastating.

TBIs, spinal cord injuries, multiple fractures, hip fractures, ligament damage, and lasting disfigurement are frequent injuries endured by fall survivors. Falls especially can be life-changing for seniors, often leading to long-term mobility problems or worse. Falls rank as one of the leading causes of injury deaths among adults over 65. But the initial emergency room charge is almost never the last expense. Recovery frequently stretches across months or years, involving surgeries, rehabilitation, assistive equipment, home modifications, and ongoing medical care. Some patients are unable to return to their former occupations. Others lose the ability to live independently.

McKay takes the time to document the full scope of what her clients have lost. That means reaching beyond the current charges to include upcoming healthcare requirements, recovery program costs, compromised future income, 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 guarantee no detail is forgotten.

The emotional aftermath deserves the same careful attention. Nervousness about walking or moving, apprehension in public places, depression, post-traumatic stress, and strained relationships are all common among slip and fall survivors. These are not minor or lesser injuries. They are true harms that demand true compensation, and McKay works to ensure they are properly valued in every claim she handles.

Guiding Clients Through a Complicated Legal System

Slip and fall cases in Texas come with many layers. Establishing a slip and fall case usually means demonstrating the owner was aware or should have been aware of the hazard, had a fair chance to correct the problem or alert visitors, and failed to do so. Showing how long a hazard existed or whether staff had performed proper inspections is commonly where success or failure is determined.

On the other side, businesses and their insurers usually respond with force. They often have investigators and defense counsel at the site within hours of an incident, working to build a narrative that blames the injured person. They might argue the danger was “open and obvious” or that the injured party was distracted. Under Texas’s proportionate responsibility law, any share of fault attributed to the victim lowers their recovery, and if the victim is found more than 50% at fault, they recover nothing. Injured victims, meanwhile, are usually still in the hospital. The pressure for a fast settlement, before injuries are fully understood, can be significant. Undervalued settlements often appear cloaked as generous.

Breaking through that pressure demands a lawyer who knows the landscape. 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 procedures ordinarily call for in terms of finding and fixing 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 investigative process is thorough and structured. She works with safety engineers, flooring experts, medical professionals, and vocational economists to develop claims that endure close review. Evidence gets preserved carefully, ranging from video recordings and incident documentation to inspection histories, cleaning logs, scene images, and bystander testimony. When settlements come through, that preparation is what increases the numbers. When a case has to go to trial, that same preparation is what wins verdicts.

A Hometown Lawyer with Firsthand Local Knowledge

Whitehouse has its particular array of supermarkets, large retailers, restaurants, and shopping destinations where falls take place. Each has its own hazards, common problems, and cleaning requirements. McKay’s experience in the community means she understands how local stores operate, what safety standards are relevant, and how regional courts deal with these claims.

That regional awareness matters. So does her commitment to direct, ethical legal practice. McKay tells clients the truth about their cases, including the obstacles. She avoids commitments she cannot honor. What she offers instead is straightforward evaluation, thorough preparation, and unwavering effort for her clients.

Acting Quickly Makes a Difference

If you or a family member has been hurt in a fall at a store or business in Whitehouse, 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. Surveillance video may be lost, at times within only days. The spill is addressed and the area is restored. Inspection records and cleaning logs can be lost or altered. Witnesses relocate or forget specifics. Store employees quit or transfer, making them harder to find.

Meanwhile, the business’s legal team is already assembling their narrative. The faster you have your own counsel investigating, safeguarding evidence, and putting the responsible parties on notice, the more solid your case becomes.

Lindsey McKay offers compassionate, informed legal guidance to help slip and fall victims comprehend their rights and evaluate their alternatives. Taking a case seriously means more than filing paperwork and waiting for a settlement offer. It means championing the dignity, wellness, and financial protection of the person harmed. With McKay handling the legal fight, clients can focus on healing while she concentrates on making careless companies, property owners, and their insurance providers answer for their actions for the harm they caused.

The 6 Top Reasons Slip-and-Fall Accidents in Whitehouse

Slip and fall injuries are among the most common types of personal injury claims in Whitehouse and across the country. 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. Regardless of whether you’re a longtime resident of Whitehouse or just passing through, understanding 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 causes slip-and-fall accidents in Whitehouse.

1. Wet or Slippery Floors

Wet floors are the most frequent cause of slip-and-fall accidents in Whitehouse. 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 accountable for resulting injuries.

Stay safe: Watch for warning cones, walk cautiously on shiny or freshly cleaned surfaces, and report spills to staff when you see them.

2. Cracked and Broken Flooring

Cracked sidewalks, uneven pavement, raised tiles, torn carpeting, loose floorboards, and potholes in parking lots cause a sizable number of falls in Whitehouse. Older neighborhoods and strip malls where maintenance has been neglected are notably 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 proper 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 Poor Lighting

Inadequate lighting 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 Whitehouse. When people can’t see where they’re stepping, they’re far more likely to misjudge a step or miss a change in elevation. Property owners have a duty to maintain proper 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 Dangerous Stairs

Staircases are involved in a disproportionate 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 Whitehouse. Building codes mandate specific standards for stair construction and maintenance, and violations of those codes frequently support premises liability claims.

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

#5 Weather-Related Hazards

Whitehouse 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 rarely see winter weather. Property owners have a responsibility to address weather-related hazards within a practical time, including putting out mats, clearing walkways, and posting warnings.

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

6. Objects in Walkways

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 Whitehouse. Retail stores are especially 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 safer: Stay alert in busy stores during restocking hours, watch for cords or boxes on the floor, and report tripping hazards to staff or management.


Steps to Take After a Slip-and-Fall

Slip-and-fall cases frequently come down to evidence, and evidence disappears fast. 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 immediately 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 early action matters because evidence fades fast.

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

What rights do I have in Whitehouse 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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