If you have been involved in a car crash in Texas, it is very important that you notify your insurance company to inform them about the accident. However, you may wish to contact an attorney prior to providing a recorded statement.
There is a common misconception that you do not have to notify your insurance company of an accident if you are not at fault. This is false. If you plan on seeking any damages, whether they be to your vehicle or to your body, notifying your insurance company is necessary.
Insurance companies provide a number of services, which you are already paying for! These include towing coverage, medical expense coverage, and collision coverage. In order to take advantages of any of these coverages on your policy, you are required to report the accident to your insurer. Failure to do so in a timely manner may result in coverage being denied.
Another reason it is essential to notify your insurance company is that the other driver may try to say you are at fault and pursue a claim against you. In such a situation, your insurance company is required to provide a defense to you free of charge.