Car Accidents
A car accident can result in serious injuries and other damages. After a wreck, you should immediately call a proven law firm that knows how to get you the compensation you need to cover your losses.
At Kemmy Law Firm, we know your legal needs must be met quickly in the event of an accident. Our compassionate car accident lawyers can help you file an insurance claim or personal injury lawsuit.
To talk to an experienced attorney about your options, call (830) 264-6297 to schedule a free consultation. You owe nothing unless you win.
Schedule a free consultation - no fees unless we win or settle your case (830) 264-6297
All of our clients have families of their own. They are decent, hardworking people, and come to us with complex business issues or because their lives have been changed by a catastrophic injury.
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$20 MILLION Oil and gas case involving significant economic harm
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$13.5 MILLIONJury VerdictPatient paralyzed after nurses failed to tell a doctor about a change in condition
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$8 MILLION Young college student suffers brain injury from negligent conduct
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$7.5 MILLION West texas woman becomes brain injured when basic safety rules were not followed
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$6.2 MILLIONJury VerdictMarine veteran suffers catastrophic harm after a dangerous fall
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$6 MILLION Children who were abused by an employee of a company that was entrusted with the care of children
Car Accident Damages
When you are injured in a car crash that was caused by someone else, you may have the right to pursue car accident compensation for your losses. The types of harm you can be compensated for are called damages.
There are two different types of damages: economic damages and non-economic damages. Economic damages are directly related to monetary loss, such as medical costs. Non-economic damages are subjective and can be harder to put a value on, such as emotional distress, pain, and suffering. However, you are entitled to compensation for all your damages.
The most common losses and expenses our firm fights for include:
- Property damage
- Past and future medical costs
- Lost wages
- Loss of earning potential
- Pain and suffering
- Emotional anguish
- Loss of consortium (spousal relationship)
- Loss of enjoyment of life
In some cases, you may be eligible for punitive damages, which are meant to punish the wrongful actions of the at-fault driver. If your loved one dies as a result of a fatal car crash, you also have options for compensation.
Every state has a statute of limitations for personal injury lawsuits. This is a deadline for how long you have to file a personal injury lawsuit and begin the litigation process.
- In Texas, you have two years from the date of the accident to file a personal injury suit.
- In New Mexico, you have three years from the date of the crash to file.
A statute of limitations applies only to litigation—not an insurance claim. After a crash, you should speak with a car accident attorney right away to ensure you do not wait too long.
Find out if your case is a wrongful death Talk To An Attorney
If you wait weeks or months to begin the auto insurance claims process, your claim may be denied. You will be forced to file a lawsuit to get the insurance company to negotiate a fair settlement offer.
Find out if your case is a wrongful death talk to an attorney (830) 264-6297
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Property Damage and Texas Law on Total Loss
In the event of a car accident, you can get money for your property damage, including the value of your car and any other property that was damaged in the wreck.
In some cases, your car may be considered a “total loss,” and you will be able to get money for its total value. For an insurer to claim your vehicle is a total loss, the cost of repairs plus the salvage value must exceed the pre-wreck fair market value. If your vehicle is a total loss, Texas car accident laws entitle you to the fair market value of your vehicle before the wreck.
Unfortunately, insurance companies often use processes or formulas that place your vehicle at a lower value than it should be. Talk with a car accident attorney about how to properly value your vehicle, and do not be afraid to counter an insurer’s first offer regarding the value of your car.
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Vehicle Damage in New Mexico
Whether or not your vehicle is totaled in New Mexico depends on the total loss formula. This is where the insurer determines if repairing the car would be uneconomical based on the cost of repairs versus the cost of salvage/scrap.
If your vehicle is deemed totaled, the insurer should provide a total loss payment. You should discuss how insurers determine the cash value of your vehicle with your lawyer and how you can negotiate for the best possible payment.
If your vehicle is underivable after the crash, talk with your attorney about a loss of use claim. This claim specifically seeks compensation for the days you cannot drive your vehicle.
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Physical Injuries in Car Accidents
A number of variables, including speed, angle, placement of the collision, and crashworthiness of your vehicle can result in a range of physical injuries from a car accident, such as bumps and bruises, to catastrophic injuries and even death.
Our family firm has helped people suffering from all types of injuries, including facial disfigurement, broken bones, whiplash, herniated discs, traumatic brain injuries, spinal cord injuries, and paralysis. We have helped families who have lost a loved one in a traffic fatality.
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Psychological Effects of Car Accidents
We know that physical harm is not the only consequence. You may experience significant psychological trauma from the collision or emotional anguish like anxiety, a phobia of driving or being in a car, depression, post-traumatic stress disorder, and other psychological and emotional effects.
We hire the necessary experts to help evaluate and prove your damages in each of these areas.
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Punitive DamagesPunitive damages differ from compensatory damages and are meant to punish the wrongdoer. They are only available when you can prove the at-fault party’s actions were purposeful, reckless, or grossly negligent; they are not meant to compensate you for a specific injury. Punitive damages are sometimes available in drunk driving accidents.
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Wrongful Death Damages
If your spouse, parent, or child passed away in a car accident, you should talk with an attorney about pursuing a wrongful death claim under the Texas or New Mexico wrongful death statutes.
Relatives can typically pursue compensation for the loss of their loved one’s income, services, companionship and society, and the family member’s emotional distress.
- In New Mexico, you have three years from the date of your loved one’s death to file a wrongful death claim.
- In Texas, you have two years from the date of death to file a wrongful death lawsuit.
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Survival Damages
A survival action is a legal claim that arose when an injured person was alive but was unable to pursue the action prior to their death. For example, if a loved one is seriously injured in a crash but lived, they could pursue a personal injury claim. If your relative then passed away, the personal injury claim survived their death, and the relative’s estate can then pursue the personal injury claim and certain compensatory damages suffered while the relative was alive.
Texas recognizes the separate survival claims of the decedent in the Texas Survival Statute and wrongful death claims of the spouse or children in the Texas Wrongful Death Act. However, New Mexico is different. If your loved one passed away, even if they initially lived for weeks or months, you would only pursue a wrongful death claim.
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Proof of Damages
To obtain compensation for your physical, psychological, and financial injuries, you need proof.
Proof of injuries can come from pictures, your own testimony, medical records, and a medical expert’s testimony. Proof of the pain and suffering and mental anguish arising from injuries can come from your own testimony, friends’ and family’s observations, and mental health care records.
Proof of economic damages includes medical bills and receipts. However, proof of future medical expenses may require a medical expert’s testimony. Proof of reduced earning potential may come from a vocational expert and/or economist.
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Calculating Damages
To calculate potential damages, our car accident lawyers work closely with you, your medical providers, and experts. We help you keep track of your expenses and financial losses throughout the personal injury claim process. This paperwork is essential in calculating economic damages.
When it comes to valuing your non-economic damages, we will utilize an appropriate method, such as a multiplier. In some circumstances, we use a per diem (daily rate) for your pain and suffering.
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Approval or Denial of Your ClaimAfter an investigation, the adjuster will either approve or deny the claim based on the insurance policy coverage. If your claim is denied, a car accident lawyer can help you or pursue a personal injury lawsuit. Even if it is approved, the insurance company may not offer you an acceptable amount of compensation.
Car Accidents in Midland, Odessa, Permian Basin and New Mexico: An Overview
National and State Highway and Transportation Departments keep annual statics about the frequency and severity of car wrecks across the country. Texas and New Mexico are two states where the frequency of severe accidents, including fatalities, is extremely high.
Texas Car Accident Statistics
According to the Texas Department of Transportation (TxDOT), there were 3,896 total deaths due to motor vehicle traffic deaths in 2020, a 7.5% increase from the previous year. That means an average of 10 people are killed every day in Texas due to car crashes.
The total economic loss of all motor vehicle crashes in Texas in 2020 was more than $43.4 billion. This amounts to significant damages for each person who was injured or died in crashes. Those damages can be recovered with the help of a knowledgeable car accident lawyer.
New Mexico Car Accident Statistics
According to the New Mexico Department of Transportation (NMDOT), a motor vehicle crash occurred every 11 minutes in the state in 2019. That amounts to 132 crashes per day, involving an average of 326 people. Every day in 2019, approximately 56 people were injured in auto accidents, and one person was killed.
In the 48,124 car accidents reported in New Mexico in 2019, over 20,000 people were injured, and a total of 425 people were killed.
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Mr. Kemmy comes from good stock and was referred to us by one of the best. And if he's good enough for him to lay his reputation on the line, he's good enough for me. Nick was very open and transparent, and shared some of our frustrations. We were very please with him representing us. Thanks again Nick.
- Richard G. -
Ben Kemmy and his awesome staff showed a deep understanding of my personal situation and demonstrated empathy throughout the legal process. This helped me a great deal to get through this difficult time. I recommend Kemmy Law Firm to all who need the services .
- Jim P. -
My husband was involved in an industrial accident & we hired the Kemmy law firm to represent him with that case. You could not hire a better attorneys than the Kemmy's. They went above & beyond to help him get what he deserved. If you are searching for a lawyer in Texas you need to hire them!!!
- Colleen B. -
Working with Tom and Nick Kemmy on my case was a far better experience than I expected going in. They were thoughtful and listened to what I had to say. It was also gratifying that Kemmy Law Firm is truly a family affair with the Dad, Thomas, four sons and a daughter in law, Nick's wife, working together. If you're looking for legal representation, I wholeheartedly endorse Kemmy Law without reservation.- Jerry G.
Car Accident Lawsuits and Preparing for Trial
If the at-fault driver does not have auto insurance, has too little insurance, or the insurer denies your claim or refuses to settle for a fair amount, then you need to talk with an experienced car accident lawyer. Before accepting a settlement, there are some things to consider. You want to be sure your lawyer did their due diligence to maximize your claim.
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Gathering Evidence and Discovery
To prepare for a car accident trial, your lawyer will perform a thorough independent investigation into the crash. Many investigations, however, are limited until you get to the discovery process. This is a pre-trial phase of litigation where information is exchanged with the other party.
By using interrogatories (questions the other party must answer), requests for documents, and depositions (out-of-court questioning of pertinent parties), you are able to obtain new information and records that were under the other parties’ control.
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Using Witnesses
It can be very helpful to have eyewitnesses testify regarding what they saw and heard at the time of the accident. This is particularly effective with the witness is not your friend or family member. An objective third party who testifies that the other person is at fault in a car accident can sway the jury in your favor.
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Going to Trial
If the insurance company reviews all the evidence and still refuses to make an acceptable settlement offer, your attorney can take your case to trial. At trial, a jury will determine fault and liability. They will also calculate your damages and award compensation.
Kemmy Law Firm has a team of trial lawyers who are not afraid to take insurance companies to court. We will fight for your right to reasonable compensation after a car accident.
The Car Accident Claims Process
The car accident claims process can be complex. An experienced car accident lawyer can help you navigate it seamlessly so that you don’t miss anything and maximize the compensation you can recover.
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NoticeYou must give the insurer notice of your first- or third-party claim within a reasonable amount of time after the accident.
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Insurance AdjusterYour claim will be assigned to an insurance adjuster. This is the person responsible for investigating your claim, approving or denying the claim, and negotiating a settlement.
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Investigation
Adjusters are required to investigate a car accident claim thoroughly and promptly. During this investigation, the adjuster will likely reach out to you for a statement, medical records, and other answers or documentation. We recommend you have a car accident lawyer handle this process.
You should never give the insurance adjuster a statement without first talking to an attorney. They will use anything you say against you wherever possible.
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Settlement NegotiationsWhen your claim is approved, the adjuster will offer you a settlement. Do not immediately say yes. It is better to consider whether the settlement fairly compensates you. In most cases, it will be a low ball settlement offer. Your attorney can negotiate and pursue a higher settlement amount.
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Auto Accident Insurance Claim LawsEach state has insurance laws that dictate how insurance claims must progress and how an insurer must treat a claimant. Overall, insurers need to treat claimants with good faith and avoid unlawful and unfair business practices.
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Texas Insurance Laws
The Texas car insurance law requires drivers to carry:
- Bodily Injury Liability: $30,000 per person and $60,000 per accident
- Property Damage Liability: $25,000 per accident
Additionally, insurers must offer Personal Injury Protection, which covers your medical bills, lost wages, and other non-medical expenses, and Uninsured/Underinsured Motorist coverage. If you do not wish to purchase either PIP or UM/UIM coverage, you must inform the insurer in writing.
If you file a first-party claim and your insurer does not address your claim in good faith, you may have a bad faith claim against your insurer. However, Texas does not recognize bad faith claims arising from third-party insurance claims.
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New Mexico Insurance Laws
The New Mexico auto insurance law requires drivers to carry:
- Bodily Injury Liability: $25,000 for one person, $50,000 for two or more persons
- Property Damage Liability: $10,000 per accident
New Mexico has a similar bad faith law. If your own insurer treats you unlawfully during a claim, you may have a bad faith claim. However, like in Texas, this claim is only for an insured against the insurer, not for third parties who are treated unfairly.
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Uninsured / Underinsured Drivers
If you were injured in a collision caused by an uninsured driver, talk with a car accident lawyer right away. If you carry uninsured motorist coverage, then your own insurance company may pay for your property damage or bodily injuries.
If you do not have UM coverage, talk with an attorney about pursuing compensation through a personal injury lawsuit. This may or may not be helpful depending on the at-fault driver’s income and assets.
When the other driver is underinsured, you can also utilize your own UM policy to cover the difference between the car accident settlement and your damages. If you do not have UM coverage, talk with us about filing a personal injury lawsuit.
All of our clients have families of their own. They are decent, hardworking people, and come to uswith complex business issues or because their lives have been changed by a catastrophic injury.
Proving Liability in Car Accidents
To receive compensation from another party, or more likely their insurer, you need to prove they were directly at fault for the crash or liable by law, such as the employee-employer relationship.
When there is an employee-employer relationship, companies are typically responsible for the negligent conduct of their employees. For example, a company that sends a driver out who is tired and overworked may be at fault. A company that hires a driver with a bad driving record may be at fault. An experienced car wreck lawyer knows how to investigate all the circumstances surrounding the wreck in order to hold accountable all who are responsible.
Proving liability begins with gathering evidence after the car accident. Your lawyer will obtain a copy of the police report, pictures of the crash, any video footage available, and eyewitness statements. Depending on the complexity of the crash, your attorney may hire one or more experts to testify regarding the underlying cause of the accident and to help establish how you were injured from the wreck or what amount you were damaged.
Negligence, Fault, and Liability in Car Accidents
There is a difference between negligence, fault, and liability in car accidents. Negligence describes the behavior of a driver. Fault explains who caused the accident. Liability is a legal theory determining who is financially responsible for the damages that the at-fault, or negligent, the driver caused. These people may be the same or different.
Questions about how comparative negligence may be relevant to your car accident? Get A Free Consultation
Contact Kemmy Law Firm Today
Get a free consultation. We do not charge up-front fees, and you owe nothing unless you recover compensation.
When you work with us at Kemmy Law Firm, you are working with a family-run firm with more than 50 years of combined experience. We are dedicated and successful trial attorneys practicing in West TX, Hobbs, NM, Midland-Odessa, and across the Permian Basin.
Our team handles everything from catastrophic injury claims to complex business matters. We are here to fight for you. We dedicate our time and attention to your case and use every resource available to maximize your claim and obtain the best possible outcome.
Kemmy Law Firm serves clients across Texas and New Mexico:
Car Accident Attorneys in Odessa, Texas
101 N Jackson Ave
Odessa, Texas 79761
Car Accident Attorneys in Hobbs, New Mexico
1601 N. Turner, Suite 417
Hobbs, NM 88240
Car Accident Attorneys in San Antonio, Texas
1924 N Main Ave
San Antonio, Texas 78212