The Complete Guide to Handling a Car Accident in San Antonio

Car accidents can happen in an instant—but the consequences can last for months, years, or even a lifetime. Whether you’re involved in a minor fender-bender or a serious collision, knowing what to do immediately afterward can protect your health, your finances, and your legal rights.

This in-depth guide walks you through the critical steps to take after a car accident in San Antonio, including how to handle the scene, get medical attention, deal with insurance, and protect yourself legally.

1. Stay Calm and Check for Injuries

The first few seconds after an accident are crucial. Before anything else, take a deep breath and assess your surroundings. Check yourself and any passengers for injuries. If anyone is hurt, call 911 immediately. Do not attempt to move seriously injured individuals unless they are in immediate danger (like from a fire or an oncoming vehicle).

Even if no one appears injured, you must still call local law enforcement. In Texas, any accident involving injury, death, or property damage over $1,000 must be reported.

2. Move to Safety If Possible

If the accident is minor and your vehicle is still operable, Texas law allows you to move it to a safer location to avoid blocking traffic. Turn on your hazard lights, and place warning triangles or flares if available. Avoid standing on the road or in front of your vehicle, especially on busy San Antonio roads or highways like Loop 1604 or I-10.

3. Call the Police and File a Report

Even if the other driver suggests “handling it without the police,” don’t skip this step. A police report can be a critical piece of evidence later if you need to file an insurance claim or take legal action.

When officers arrive, calmly explain what happened and avoid admitting fault. Simply describe the facts. The investigating officer will assess the scene, speak to both parties, and file an official crash report.

👉 Tip: In San Antonio, you can request a copy of your crash report from the San Antonio Police Department Records Office or online via the Texas Department of Transportation.

4. Exchange Information with the Other Driver

Texas law requires that you exchange the following information with all other drivers involved:

• Full name and contact details

• Driver’s license number

• License plate number

• Insurance company and policy number

• Vehicle make, model, and color

Avoid discussing who was at fault or arguing—anything you say could potentially be used against you later.

5. Document the Accident Scene Thoroughly

Photos and videos are your best friend after an accident. Use your phone to document:

• Vehicle damage (all angles)

• Skid marks or debris on the road

• Weather and lighting conditions

• Traffic signs or signals

• Any visible injuries

• The position of the vehicles before they're moved (if safe)

If there are witnesses nearby, ask for their contact information and a brief statement of what they saw.

6. Get Medical Attention ASAP

You may feel fine after the accident—but symptoms of injuries like whiplash, internal trauma, or concussions can appear hours or days later. Visit an urgent care center, ER, or your primary care doctor for a full evaluation, even if injuries seem minor.

Medical records will also serve as key evidence if you decide to pursue a personal injury claim.

7. Notify Your Insurance Company

As soon as possible, report the accident to your insurance provider. Provide only basic details unless your attorney advises otherwise. Be honest, but avoid speculating or saying anything like “I think it was my fault.”

San Antonio is located in Texas—a fault state—which means the driver responsible for the accident is financially liable for damages. This makes insurance claims more complex, especially if fault is disputed.

8. Be Cautious with Insurance Adjusters

Insurance companies may reach out quickly, especially the other driver’s provider. Their goal is to protect their bottom line—not yours. Never accept a settlement offer or give a recorded statement without speaking to an attorney.

Remember: once you accept a settlement, you may waive your right to pursue further compensation—even if injuries worsen later.

9. Contact a Personal Injury Lawyer in San Antonio

Dealing with insurance, medical bills, missed work, and emotional trauma can be overwhelming. That’s why many accident victims turn to personal injury attorneys.

An experienced San Antonio car accident lawyer can:

• Investigate the crash

• Collect and preserve evidence

• Deal with insurance companies on your behalf

• Help you pursue compensation for medical bills, lost wages, pain and suffering, and more

And most personal injury lawyers work on a contingency basis, meaning you pay nothing unless they win your case.

10. Know What You Can Be Compensated For

If you weren’t at fault, you may be eligible to receive compensation for:

• Medical expenses (past, current, and future)

• Lost income and reduced earning capacity

• Property damage

• Pain and suffering

• Emotional distress

• Rehabilitation and therapy costs

In some severe cases involving gross negligence, you might also be eligible for punitive damages.

11. Mistakes to Avoid After a Car Accident

Here are a few common missteps that can harm your case:

• Delaying medical treatment

• Admitting fault at the scene

• Posting about the accident on social media

• Talking to the other driver's insurance without a lawyer

• Accepting a lowball settlement offer

12. Why Choose a Local San Antonio Attorney

Hiring a lawyer who knows the San Antonio legal system gives you an edge. They’ll be familiar with:

• Local courts and judges

• Regional insurance companies and tactics

• Roadway-specific risks (e.g., Loop 410 congestion or rural Hill Country routes)

• Bilingual support if needed

Conclusion: You Don’t Have to Go Through It Alone

Car accidents can be traumatic, but you don’t have to navigate the aftermath by yourself. By following the steps outlined above, you’ll protect your well-being, your rights, and your ability to recover compensation.

If you or a loved one was injured in a car accident in San Antonio, consider speaking with a trusted local attorney. The right legal support can make a world of difference in your recovery—physically, financially, and emotionally.