Free Texas insurance organizer
Texas Accident Insurance Coverage Checklist
Organize policies, coverage types, limits, claim correspondence, and unresolved questions after a Texas accident. Your checkmarks remain only while this page is open; no selections, policy details, or personal information are transmitted.
Prepared by the Texas Settlement Calculator Editorial Team · Published September 7, 2026 · Content updated September 7, 2026 · Editorial standards
Identify every potentially relevant policy
Coverage depends on the policy language, people and vehicles insured, exclusions, endorsements, and facts of the collision.
Review liability coverage
An insurer’s acknowledgment of a policy is not necessarily an admission of coverage or legal responsibility.
Check uninsured and underinsured motorist coverage
Texas insurers generally must offer UM/UIM coverage, but the policyholder may reject it in writing. The actual policy controls.
Check PIP and medical-payments coverage
PIP and MedPay are different coverages. Benefits, exclusions, documentation, and policy conditions vary.
Document health coverage and reimbursement issues
Do not assume the amount billed, paid, adjusted, or owed will be treated the same for every legal purpose.
Commercial, rideshare, and special-use questions
The driver’s activity and status at the moment of the crash may affect which policy responds.
Control claim communications and releases
A general checklist cannot determine whether a particular statement, authorization, or release should be signed.
Important limitations
This checklist is general educational information, not legal, insurance, tax, or financial advice. It cannot interpret a policy, determine coverage, calculate benefits, satisfy notice or cooperation requirements, or identify every policy. Texas Settlement Calculator is not a law firm, insurer, adjuster, or government agency.
Primary Texas insurance sources
Apply the available coverage to a preliminary estimate
Use the Texas calculator for a non-binding educational range based on the facts and coverage information you provide.
Start the Texas injury calculatorThis tool produces a preliminary, non-binding estimate based on the information you provide and general personal-injury valuation methods. It is not legal advice, not a guarantee of any outcome, and not a substitute for review by a licensed attorney. Actual settlements and verdicts vary widely based on evidence, jurisdiction, insurance coverage, and many other factors. Texas Settlement Calculator is not a law firm and does not practice law; use of this tool does not create an attorney-client relationship.