Getting into a car accident is already stressful, but being sued afterward can make things even harder. Many people aren’t sure what to do when they receive legal papers or find out someone is taking them to court.
If you’ve been involved in a car crash in the Fort Worth–Dallas area and someone files a lawsuit against you, it’s important to stay calm and take the right steps. Acting quickly can help protect your rights and improve your chances of a good outcome. Below are seven steps that can help you after an accident.
Step 1: Don’t Ignore the Lawsuit
If you’re served with a summons and complaint, this means the other party has officially started a lawsuit. These documents tell you that someone is blaming you for the accident and is asking the court for money.
You usually have a limited amount of time to respond—often just 20 to 30 days. If you ignore the papers, the court could rule against you automatically. This is called a default judgment, and it means the other person wins simply because you didn’t respond.
Make sure you read everything carefully and keep a copy for your records.
Step 2: Tell Your Insurance Company Right Away
After you’ve been sued, one of the most important things you can do is contact your car insurance company. Most insurance policies include a duty to defend, which means they will hire a lawyer to represent you if you’re sued over an accident they cover.
Give your insurance company the paperwork you received and any details you know about the accident.
If you delay telling your insurance company, they might deny coverage, which means you could be stuck paying for your own legal defense and any damages.
Step 3: Understand What the Lawsuit Is About
The person suing you (called the plaintiff) will need to prove that you were at fault for the crash. They may claim that you were negligent, reckless, or that your actions caused their injuries or damage.
In some cases, the lawsuit might ask for money for:
- Medical bills
- Lost wages
- Pain and suffering
- Vehicle damage
- Emotional distress
It’s helpful to understand the types of compensation someone can ask for in personal injury cases. Reviewing resources about car accident claims or legal damages can provide more insight.
Step 4: Don’t Speak to the Other Party Without a Lawyer
You may be tempted to call or message the other person to explain what happened or try to work things out. This is not advisable.
Anything you say could be used against you in court. Even a simple apology could be twisted into an admission of guilt. This is especially true in contested liability cases, where both drivers claim the other was at fault.
Step 5: Gather Information and Evidence
While your insurance company and their attorney will handle most of the legal work, it’s helpful to collect your own information too.
This might include:
- A copy of the police report
- Photos or videos from the accident
- Medical records, if you were also hurt
- Contact information for any witnesses
- Notes you took after the crash
Having this information ready can help your defense team build a stronger case.
Step 6: Explore Settlement Options
Many personal injury lawsuits are settled before trial. This means both sides agree on a payment amount, and the case ends without going to court.
Settling can save time, stress, and money. If the evidence is strong against you, a settlement might also help limit the amount you have to pay.
Step 7: Be Honest with Your Legal Team
It’s important to tell your lawyer the full story. If you made a mistake—like checking your phone while driving—let them know. They can’t defend you properly without all the facts.
Trying to hide the truth can backfire and make things worse in court.
What Happens If You Lose the Case?
If the court finds you responsible for the accident, it may order you to compensate the other party. Most of the time, your insurance will cover these costs up to your policy limits.
But if the damages are more than your coverage, you could be responsible for the difference. This is why it’s helpful to understand your insurance policy and consider umbrella coverage if you have a lot of assets to protect.
Can You Countersue?
Yes. In some situations, you may believe that the other driver was actually at fault and that you were the one injured. If this is the case, you might be able to file a counterclaim.
Discuss this option with your legal team. If you also suffered injuries or vehicle damage, they’ll evaluate whether you have a strong case.
When to Speak with a Personal Injury Attorney
Even if your insurance company provides a lawyer, you might want to get a second opinion. A personal injury lawyer can help explain your rights, especially if the case is complicated or involves serious injuries.
Some people also hire private attorneys when there’s a chance they’ll have to pay out of pocket.
The firm offers helpful legal resources about car accident defense, fault, and damages that can help you make informed choices.
Contact a Personal Injury Lawyer If You’re Being Sued After a Car Accident
Being sued after a car crash is stressful, but you don’t have to face it alone. Understanding your rights and taking quick action can make all the difference.
Contact Anderson Injury Lawyers for a free consultation at (817) 294-1900 and learn how we can help you navigate your legal options. We can help you get the support you need.