Top Personal Injury Attorney in New Braunfels TX

Dealing With Insurance Companies After a New Braunfels Accident

After an accident in New Braunfels, you’ll likely hear from an insurance adjuster within days — sometimes within hours. It can feel like they’re on your side, offering to “help move things along.” In reality, their job is to close your claim for as little money as possible, and they’re trained to do it well.

Common Tactics Adjusters Use:

• Requesting a recorded statement early — before you know the full extent of your injuries, hoping you’ll downplay symptoms that show up later.
• Offering a fast, low settlement — often before medical treatment is complete, to get you to sign away your right to seek more.
• Disputing liability — especially in intersection crashes or cases involving out-of-town drivers passing through on I-35, where fault isn’t immediately obvious.
• Delaying the claims process — hoping financial pressure from medical bills and lost wages will push you toward accepting less than your case is worth.
• Using your own words against you — small, casual comments (“I’m okay,” “it’s not that bad”) can be twisted to minimize your claim later.

What You Should Know Before You Talk to an Adjuster:

You are not required to give a recorded statement to the other driver’s insurance company, and you’re not obligated to accept the first offer, even if it sounds reasonable. Texas’ comparative fault rules mean insurers have a real financial incentive to shift blame onto you, since even a small increase in your assigned fault percentage reduces what they owe.

How Eric Ramos Law, PLLC Protects You:

Once you hire us, all communication with the insurance company goes through our office — not you. We handle the calls, the paperwork, and the negotiating pressure, and we make sure any settlement offer actually reflects your medical expenses, lost income, and pain and suffering, not just what’s convenient for the insurer’s bottom line.

If an adjuster has already contacted you about a New Braunfels accident, talk to us before you say anything further. Call (210) 404-4878 for a free consultation, there’s no cost, and no obligation to hire us.

Texas Personal Injury Law Basics – What New Braunfels Residents Need to Know

A handful of laws shape nearly every injury case that comes out of New Braunfels. Knowing them ahead of time can help you avoid costly mistakes.

Two-Year Statute of Limitations 

Texas Civil Practice & Remedies Code §16.003 requires you to file a personal injury lawsuit within two years of the date you were injured. Wrongful death claims follow the same two-year window, starting from the date of death. Once that deadline passes, your right to pursue compensation is gone for good — regardless of how clear-cut liability was.

Modified Comparative Fault — the 51% Rule 

Under Texas Civil Practice & Remedies Code §33.001, you can still recover compensation as long as you’re found 50% or less responsible for the accident. Cross the 51% threshold, and you recover nothing at all. Anywhere in between, and your award is reduced by your percentage of fault. Insurance companies are well aware of this rule and frequently try to pin more blame on injured victims to shrink or eliminate their payout.

Shorter Notice Deadlines in Claims Against the Government 

If your New Braunfels accident involved a city or county vehicle, a school district, or a state agency, the Texas Tort Claims Act likely applies, and it can require formal notice in as little as six months, separate from and earlier than the standard two-year deadline. If a government-owned vehicle was involved in your crash, contact an attorney right away.

Punitive Damages Exist, But Are Limited 

In cases involving gross negligence, Texas Civil Practice & Remedies Code §41.008 permits punitive (exemplary) damages beyond your standard compensation. These damages are capped by statute, generally the greater of $200,000 or two times your economic damages plus an amount equal to your non-economic damages, up to $750,000. Exceptions can apply in cases involving drunk driving or felony-level conduct.

Damages You Can Recover in a Personal Injury Case in New Braunfels TX

A successful personal injury claim attempts to restore your financial stability and compensate you for your physical and emotional distress. We carefully calculate every past and future expense related to your accident. The following table outlines the compensation categories we pursue on behalf of our clients.

To learn more about how we calculate these amounts, review our guide on the types of damages available under state law.