“Texas Tough” McKay Law

Woodville Slip and Fall Accident Attorney

A slip and fall sounds minor until it happens to you. Fractured hips, concussions and traumatic brain injuries, spinal damage — these are the real consequences of a hazard no one cleaned up. At McKay Law, we advocate for slip and fall victims throughout Woodville, fighting the companies and insurers whose failure to maintain safe conditions caused serious harm. If you were injured at a grocery store or supermarket, a restaurant or bar, an apartment complex or parking lot, or a common area, our committed trial lawyers are ready to take on the property owner’s insurer.

Our firm takes on slip, trip, and fall cases throughout Woodville and the surrounding East Texas region, standing up for people injured by liquid hazards left unaddressed, produce debris in grocery stores, raised or broken tiles, poorly maintained walkways, loose or worn stair treads, poorly lit walking surfaces, slippery conditions businesses failed to address, bunched-up entry mats, and other failures of basic maintenance. Armed with 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. 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 store records tell a different story. We push back relentlessly and build the evidence your case needs. With a track record of meaningful recoveries against major retailers and their insurers, we work tirelessly to help you recover fully. Let our family help yours.

Do You Have A Claim?

Woodville Slip and Fall Accident Law Firm | McKay Law

A fall on unsafe property can leave lasting harm in a single moment. One second you’re visiting a property in Woodville, TX, and moments later you’re confronting broken bones, mounting hospital bills, aggressive insurance adjusters, time away from work, and questions you never expected to ask. McKay Law stands with people injured in falls on unsafe property and their families all over Texas, guiding them through every stage of the injury claim process with focus and compassion. Whether your fall stemmed from a freshly mopped surface with no warning signs, tracked-in rainwater, loose tiles, curled carpet edges, hazardous walkways, poorly maintained stairs, poorly lit walkways, merchandise left in walkways, unsafe lot conditions, or failure to mark hazards, our attorneys thoroughly examine the evidence—incident reports, security camera video, maintenance and cleaning logs, prior complaints, photographs of the hazard, and witness accounts—to establish exactly how the property owner or business led to your injuries.

Quality legal representation takes more than legal knowledge—particularly when proving the property owner had notice of the hazard. At McKay Law, we understand the true impact a dangerous fall incident places on your body, your finances, and your family’s sense of security—particularly because these accidents frequently result in serious orthopedic harm. That’s why we combine sharp legal strategy with genuine compassion, walking with you from your first phone call through the final resolution. Property owners, businesses, and their insurers are experts at reducing settlements, blaming you for wearing the wrong shoes, conveniently losing incident reports, disputing the timeline, and shifting blame—we are equally skilled at pushing back. Our firm holds reckless landlords, retail stores, restaurants, grocery stores, management companies, and insurance carriers totally liable under Texas law, giving injured people in Woodville, TX the answers and security they deserve.

Every client we represent deserves the greatest award the law allows—especially when slip and fall injuries can cause permanent disability. That means demanding compensation for emergency care, ongoing medical treatment, surgical procedures and therapy, ongoing therapy sessions, assistive devices, missed wages, diminished earning capacity, pain and suffering, mental anguish, and the enduring impact of your injuries. While we manage the investigation, negotiation, and litigation—including obtaining cleaning and maintenance logs before the property owner can let it be overwritten—you stay focused on healing. If you’ve been hurt due to a dangerous property condition in Woodville, TX, contact McKay Law—we’ll fight for your rights and help you move forward with confidence.

Understanding Slip and Fall Accident Claims in Woodville, TX

Most of us dismiss a slip-and-fall as something to laugh off — 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 seniors, a single fall can set off a permanent decline in mobility and independence. And in case after case, 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 Woodville, TX, Texas law may give you a path to compensation, though the path is narrower and more technical than most people expect.

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 law is considerably more complicated. These are among 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 the injured party 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 claim they had no duty to warn about something any reasonable person would see and avoid.

Comparative Fault Gets Weaponized. Defense lawyers frequently 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.

The Hazards Behind Most Falls

Most slip-and-fall claims in Woodville, 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 Woodville, TX are controlled by Texas premises liability law — the Texas Civil Practice and Remedies Code and decades of common-law doctrine. Several 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 repeatedly:

  • 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 seniors. 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 non-negotiable.

Evidence That Wins These Cases

Slip-and-fall cases are won 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.

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.

What to Do After a Fall

What happens in the minutes and hours 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

Statute of Limitations

Texas generally applies 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. Watch out: 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 at the gate.

What the Right Lawyer Brings

Slip-and-fall cases look simple from the outside — until you try to handle one. Retailers, apartment management companies, nursing home chains, and their insurers have defense playbooks honed 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 frequently offer quick settlements before the full medical picture — including future surgeries, chronic pain management, and lost earning capacity — has come into focus.

An experienced Woodville 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 account for the true value of the case.

If you or someone you love was hurt in a slip-and-fall in Woodville, TX, the time to act is now. Call an experienced slip-and-fall attorney as soon as you can for a consultation of your case — before evidence disappears and critical deadlines slip by.

Slip and Fall Injury Attorney in Woodville: Committed Legal Representation from Lindsey McKay

Just seconds can upend everything. When a patch of spilled liquid, a freshly mopped floor, or an unmarked hazard sends someone crashing to the ground, the injured individual rarely walks away the same. Medical bills start arriving before the bruising fades. What should have been a short outing becomes weeks of missed work. Wages stop flowing while recovery continues for weeks or even months. And behind all of it is the quiet, exhausting weight of trauma that does not show up on any X-ray.

For people across Woodville who find themselves living through this kind of sudden upheaval, the road ahead can feel overwhelming to walk by themselves. They need an advocate on their side who recognizes what they are up against, sees them as a human being rather than a file number, and is willing to fight hard for the recovery they deserve. Lindsey McKay has structured her law practice around precisely this type of advocacy, assisting slip and fall injury victims across Woodville with a blend of genuine compassion and serious legal firepower.

Representation Built Around the Client

Numerous law practices claim to be client-focused. What truly sets Lindsey McKay’s practice apart is how steadily that pledge translates into action. 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 person sitting across from her might be a mother or father concerned about supporting their children, a patron injured while going about ordinary shopping, or a retired person whose peaceful life has been upended by a fall they never saw coming.

Rather than rushing through intake and pushing a generic strategy onto every file, McKay takes time to listen. She wants to grasp what occurred, the full extent of her client’s losses, and what justice requires for that individual family. Only then does she build a legal strategy designed around those specific circumstances.

This client-first approach equally shapes how she keeps in touch. Clients should never have to wonder what is happening with their case or have to track down their own lawyer for news. McKay updates her clients during every stage of the case, sharing news in easy-to-understand language and making sure questions get answered. 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 accidents come in many different forms. Some feature wet surfaces at supermarkets where liquid spills have no warning signs. Some are falls on recently cleaned floors in restaurants, leaky refrigeration units, or rainwater at store entryways, where a breakdown in posting signs or cleaning promptly results in a significant fall. Icy sidewalks, wet stair treads, waxed floors without proper signage, and liquid spills near beverage stations each present their own unique risks. Their common feature is that the party in control of the premises neglected their duty to keep floors reasonably safe. Under Texas law, property owners and businesses have a duty to use reasonable care to make their premises safe for customers and visitors, 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 frequent injuries endured by fall survivors. Falls especially can be life-changing for seniors, 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 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 include upcoming healthcare requirements, rehab expenses, reduced earning potential, hurt and anguish, and the broader diminishment of quality of life. Texas law allows recovery for all of these categories of damages, but only when they are properly documented and presented. Her thorough approach is designed to ensure nothing is missed.

The emotional consequences merit identical thoughtful attention. 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 trivial or secondary wounds. They are real harms that deserve real compensation, and McKay makes sure they are adequately valued in each case she takes.

Steering Through a Complex Legal Framework

Slip and fall cases in Texas are not simple. Succeeding in a slip and fall case typically requires proving the owner had actual or constructive knowledge of the dangerous condition, had enough time to remedy the hazard or provide a warning, and failed to take appropriate steps. Demonstrating the duration of a spill or whether employees had recently checked the area is frequently the deciding factor in these cases.

On the other side, business owners and their insurance carriers often respond hard. They often have investigators and defense counsel at the site within hours of an incident, laboring to construct a story that shifts blame to the victim. They may contend the condition was “open and obvious” or that the victim was careless. Under Texas’s modified comparative responsibility doctrine, any percentage of fault assigned to the victim diminishes their compensation, and if the victim is found over half responsible, they recover nothing at all. Meanwhile, injured parties are typically still hospitalized. The pressure for a fast settlement, before injuries are fully understood, can be significant. Undervalued settlements often appear cloaked as generous.

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 footage, inspection logs, and cleaning records should show, what business policies commonly require when it comes to spotting and addressing hazards, and how to challenge the “open and obvious” and comparative fault defenses that frequently arise. She stays current on legal developments that might affect her clients’ cases.

Her investigation method is systematic. She works with safety specialists, flooring and surface experts, medical experts, and vocational specialists to build cases that hold up under scrutiny. Evidence gets preserved carefully, including security camera footage, accident reports, inspection records, cleaning schedules, site photos, and witness accounts. 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 Community Lawyer with Community Insight

Woodville has its unique collection of grocery stores, big-box chains, restaurants, and malls where falls happen. Each comes with its own risks, common hazards, and cleaning protocols that apply. McKay’s understanding of the local area means she understands how area businesses function, what safety rules apply, and how local courts approach these matters.

That regional awareness matters. So does her commitment to straightforward, ethical practice. McKay provides clients with truthful information about their cases, including the weaknesses. She does not make promises she cannot keep. What she offers instead is honest assessment, serious preparation, and relentless effort on her clients’ behalf.

Moving Quickly Matters

If you or a loved one has suffered injuries in a slip and fall accident in Woodville, the steps taken in the first days after the fall can influence the whole 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 dangerous condition is cleaned up and the location gets fixed. Inspection files and maintenance documentation can be misplaced or changed. Eyewitnesses relocate or forget particulars. Store employees quit or transfer, making them harder to find.

Meanwhile, the business’s legal team is already assembling their narrative. The quicker you have your own attorney looking into things, preserving proof, and alerting the liable parties, the better your position gets.

Lindsey McKay offers sympathetic, skilled legal advice to help slip and fall victims understand their rights and think through their options. Handling a case with real seriousness requires more than filing forms and waiting for an offer. It means fighting for the dignity, well-being, and financial security of the person who was hurt. With McKay handling the legal fight, clients can focus on healing while she works on holding responsible businesses, property owners, and their insurance companies accountable for the harm they caused.

The 6 Leading Factors Behind Slip, Trip, and Fall Incidents in Woodville

Slip and fall injuries are among the most frequent types of personal injury claims in Woodville and throughout the nation. Despite the seemingly minor name, these falls can cause devastating injuries — broken hips, wrist fractures, traumatic brain injuries, spinal damage, and even fatalities, especially among older adults. Whether you’re a lifelong resident of Woodville or new to the area, being aware of 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 Woodville.

#1 Wet or Slippery Floors

Wet floors are the single most common cause of slip-and-fall accidents in Woodville. 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 cause serious falls every day. Property owners have a legal obligation to clean up spills quickly and warn visitors about wet surfaces — and when they don’t, they can be held responsible for resulting injuries.

Stay safer: 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 Woodville. Older neighborhoods and strip malls where maintenance has been neglected are notably prone to these hazards. Even 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 Poor Lighting

Poor 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 Woodville. When people can’t see the surface in front of them, 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 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 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 Woodville. Building codes require 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. Rain and Ice on Surfaces

Woodville 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 reasonable time, including putting out mats, clearing walkways, and posting warnings.

Stay safer: Wear appropriate footwear during wet or icy weather, take short steps 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 Woodville. 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.


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 acting quickly matters because physical evidence fades fast.

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

What rights do I have in Woodville 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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