Yes, you may be able to recover compensation for a single-vehicle accident in Texas—even if no other vehicles were involved. While these cases can be more complex than multi-vehicle accidents, compensation may be available through third-party liability or your own insurance coverage, such as Personal Injury Protection (PIP) or collision insurance.
Below, we’ll break down how single-vehicle accident claims work in Texas, what your options are, and what steps you should take to protect your rights.
What Is a Single-Vehicle Accident?
A single-vehicle accident involves only one vehicle. These accidents can result from:
- Losing control due to road conditions
- Colliding with an object or animal
- Vehicle malfunction
- Swerving to avoid a hazard
Although no other drivers are involved, that doesn’t mean no one else is responsible.
Common Causes of Single-Vehicle Accidents
Understanding what caused the crash is key to determining your legal and financial options. Some of the most common causes include:
Hazardous Road Conditions
- Potholes, missing guardrails, broken traffic lights
- Poorly marked construction zones
- Lack of warning signs on dangerous curves
If a government entity or contractor was responsible for maintaining the road and failed to do so, you may have a claim for negligence.
Mechanical Failure or Defective Vehicle Parts
- Faulty brakes or steering systems
- Tire blowouts due to manufacturing defects
- Airbag or seatbelt failures
In these cases, the vehicle manufacturer, a parts supplier, or even a repair shop may be held liable under product liability laws.
Unexpected Obstacles or Debris
- Cargo falling from commercial trucks
- Tree limbs, animals, or debris not properly removed from the roadway
- Poor visibility due to untrimmed landscaping
You may be able to pursue compensation from the party responsible for the hazard, especially if they failed to address it in a timely manner.
When You May Still Be at Fault
Texas uses a modified comparative fault system, which means your compensation may be reduced—or eliminated—based on your level of responsibility:
- Less than 51% at fault: You can recover compensation, but it will be reduced by your percentage of fault.
- 51% or more at fault: You are barred from recovering any compensation.
For example, if you were speeding and hit a pothole that caused your crash, a court may assign partial blame to you and partial blame to the city.
Insurance Coverage Options for Single-Vehicle Accidents
You may still have access to compensation through your own insurance policy, even if no one else is liable.
Personal Injury Protection (PIP)
PIP is optional in Texas, but if you have it, it covers:
- Medical bills
- Lost income
- Necessary household services during recovery
PIP pays out regardless of fault and can be a vital safety net after an accident.
Collision Coverage
Collision insurance covers damage to your vehicle after an accident—whether or not someone else is to blame. You’ll be responsible for your deductible, but it can save you from paying out-of-pocket for costly repairs or total loss.
Uninsured/Underinsured Motorist (UM/UIM) Coverage
If another driver indirectly caused your crash and fled the scene—or was uninsured—UM/UIM may cover your losses. This can apply in cases like swerving to avoid a reckless driver who doesn’t stop.
Types of Compensation You May Be Eligible For
Depending on the circumstances and your insurance, you may be entitled to:
- Medical expenses (hospital bills, physical therapy, prescriptions)
- Lost wages (if your injuries prevent you from working)
- Vehicle and property damage
- Pain and suffering (non-economic losses like emotional distress or trauma)
- Exemplary damages (in rare cases of gross negligence or reckless misconduct)
Steps to Take After a Single-Vehicle Accident
Act quickly to protect your health, your legal rights, and your financial interests.
- Seek Medical Attention Immediately
Your health comes first, and medical records also serve as critical evidence. - Document the Scene
Take photos of vehicle damage, road conditions, skid marks, weather, and any hazards present. - Call the Police
A police report will provide an objective record of what happened, which is important for any future claim. - Notify Your Insurance Company
Be honest, but cautious with what you say. Avoid admitting fault until all the facts are known. - Contact a Personal Injury Attorney
An experienced lawyer can identify any liable parties, negotiate with insurance companies, and file a claim or lawsuit on your behalf if needed.
Statute of Limitations in Texas
Under Texas law, you generally have two years from the date of the accident to file a personal injury lawsuit. Delaying beyond this window may prevent you from pursuing compensation altogether.
Should You Hire an Attorney for a Single-Vehicle Accident?
Yes—especially if:
- You believe someone else contributed to the crash
- You’re seriously injured
- Your insurance is denying or undervaluing your claim
- You’re unsure of how to navigate liability and fault
A skilled personal injury lawyer can help investigate your case, collect evidence, determine fault, and fight for the compensation you deserve.
Let Goldenzweig Law Group Help You Move Forward
If you were injured in a single-vehicle accident, you don’t have to face the aftermath alone. At Goldenzweig Law Group, we understand the complexities these cases often involve and are committed to protecting your rights every step of the way.
Contact us today to schedule a free consultation, or contact us online to discuss your case and learn more about the compensation you may be entitled to.
Your path to recovery starts with trusted legal guidance.
