El Paso drivers spend a lot of time on a few crowded corridors — I-10 through downtown and the Sunland Park interchange, Loop 375 around the east side and Zaragoza Road near the bridge — and that is where most of the serious crashes happen. A car accident claim is for anyone hurt in a collision caused by another driver: rear-end crashes, red-light runners, unsafe lane changes, distracted drivers and drunk drivers. If you went to the emergency room, missed work or are still in physical therapy, you have a claim worth protecting. Navar Law handles car accident cases for injured drivers, passengers, pedestrians and cyclists across El Paso County.
Texas is an at-fault state, so the negligent driver's liability insurance pays for the harm they caused. Texas Transportation Code section 601.072 requires only 30/60/25 minimum coverage, which is why serious injuries often exceed the policy and why your own uninsured motorist coverage matters. Texas Civil Practice and Remedies Code section 16.003 gives you two years to file suit, and Chapter 33 proportionate responsibility reduces your recovery by any percentage of fault assigned to you and bars it at 51 percent. Texas Insurance Code Chapter 542 requires insurers to acknowledge and act on claims within set deadlines. Adjusters use each of these rules to lower what they pay.
From the first call, we take over communication with every insurer so you are not recorded saying something that hurts your claim. We gather the El Paso Police crash report, photos, witness statements and medical records, track your bills and lost wages, and send a documented demand once your treatment is complete. The vast majority of car accident claims in El Paso settle at this stage with no lawsuit and no court appearance. If the insurer refuses a fair offer, we file suit in El Paso County and prepare for trial — only with your approval. Unrepresented claimants routinely accept early offers that do not cover future care; a lawyer changes the math.
Common mistakes after an El Paso car crash
The most damaging mistakes happen in the first week. Giving a recorded statement to the other driver's insurer, posting about the crash on social media, waiting days to see a doctor, and signing a quick release for a few hundred dollars all give the adjuster ammunition. Gaps in treatment are read as proof you were not really hurt. Accepting the property damage check is fine; signing anything that mentions bodily injury is not.
Get a copy of the crash report from El Paso Police or DPS, photograph the scene and your injuries, keep every receipt, and follow your doctor's plan. Then let us handle the adjuster. Our property damage and diminished value service can run alongside the injury claim so your vehicle is repaired or totaled out fairly while the injury case develops.
What your car accident claim can include
Texas allows recovery of past and future medical expenses, lost wages and loss of earning capacity, physical pain, mental anguish, physical impairment and disfigurement. Medical bills are limited to amounts actually paid or owed under Civil Practice and Remedies Code section 41.0105, so how your treatment is billed affects the value of the claim. Hospital liens under Property Code Chapter 55 and health insurance subrogation must be resolved before you are paid, and we negotiate those reductions as part of the case.
What's included
- Free case review and written contingency agreement — nothing upfront
- Crash report, photos, witness and 911 records collected and preserved
- All calls and letters from every insurance company handled by our office
- Medical records and bills ordered, organized and summarized
- Documented demand package to the at-fault insurer and negotiation of the settlement
- Negotiation of hospital liens and health-plan reimbursement claims
- Lawsuit filed in El Paso County if the insurer refuses a fair offer
How it works
1. Free consultation and sign-up
Call or come by our Vista Del Sol office. We review the crash, your injuries and available insurance, explain the contingency fee in plain language, and sign you up the same day if it is a fit.
2. Treatment and claim building
You focus on getting better. We open claims with every insurer, secure evidence before it disappears, and track medical bills and lost income. Once your doctor releases you, we know what the case is worth.
3. Demand, negotiation and payout
We send a documented demand and negotiate. Most El Paso claims settle here without a lawsuit. If the offer is unfair, we discuss filing suit. When funds arrive, liens are paid and you receive a clear settlement statement.