One moment, you were simply living your life—crossing the street in a familiar Arlington crosswalk, walking through a parking lot in Fort Worth, or jogging along a sidewalk in your Tarrant County neighborhood. The next, you’re been struck by a 3,000-pound vehicle. Being hit by a car is a uniquely terrifying and violent event.
But what happens next?
After the initial shock begins to fade and you are left to deal with the reality of your injuries, a new kind of uncertainty sets in. The physical pain is overwhelming, but the questions that flood your mind can be just as debilitating. Who is going to pay for these hospital bills? What if I can’t go back to work? How do I even begin to navigate this?
This is the start of a journey you never asked to take. It’s a journey that often feels isolating and deeply unfair. An experienced Arlington, TX pedestrian accident attorney can help guide you through the legal process, answer your questions, and fight for the compensation you need to recover. Understanding what lies ahead can help relieve some of the stress and anxiety you’re feeling.
The First Challenge: The Insurance Adjuster’s Call
Very soon after the accident, perhaps even while you are still in the hospital, you will likely receive a phone call. The person on the other end will sound friendly, concerned, and professional. They will introduce themselves as an insurance adjuster for the driver who hit you. They may say things like, “I’m just calling to see how you’re doing,” or “I just need to get your side of the story for our records.”
It is critical to understand who this person is and what their job entails. The insurance adjuster is not on your side. Their primary responsibility is to their employer, the insurance company. Their professional goal is to protect the company’s financial interests by paying out as little as possible on your claim, or denying it altogether.
They are trained negotiators who handle these calls every single day. They know that you are in a vulnerable state: you are in pain, likely on medication, worried about money, and unfamiliar with the legal process. They will use this to their advantage.
You may be asked to provide a recorded statement about the accident. You should politely decline. Anything you say in a recorded statement can and will be scrutinized, taken out of context, and used against you later. For example, if they ask, “How are you feeling?” and you respond with a reflexive, “I’m okay,” they will note that you claimed to be “okay,” even if you were in immense pain. If you misremember a minor detail due to the trauma and shock, they may later use that inconsistency to attack your credibility and claim you are being untruthful about the entire incident.
They might also make a quick, low settlement offer. It may even seem like a significant amount of money at first, especially when you have bills piling up. They might say it’s to “help you with your immediate expenses.”
Accepting this offer is almost always a mistake. It requires you to sign a release form, which permanently forfeits your right to seek any further compensation for this accident. If you later discover your injuries are more severe and require surgery or long-term physical therapy, you cannot go back and ask for more. The case is closed forever.
Your best response to the insurance adjuster is to be polite but firm. You can provide your basic contact information, but you are under no obligation to discuss the accident, your injuries, or any settlement terms. You can simply state that you are not prepared to discuss the matter at this time.
Proving Fault: The Legal Standard of Negligence in Texas
For you to receive compensation, it must be proven that the driver was legally at fault for the accident. In Texas, this is determined by the legal principle of negligence.
Negligence isn’t just about making a mistake. It’s a four-part legal concept:
- Duty: The driver had a legal duty to operate their vehicle with reasonable care to avoid harming others. This includes obeying traffic laws, watching for pedestrians, and adjusting their driving for conditions.
- Breach: The driver breached, or violated, that duty of care. This could be through speeding, texting while driving, failing to yield at a crosswalk, or driving under the influence.
- Causation: The driver’s breach of duty was the direct cause of your injuries.
- Damages: You suffered actual harm (physical, emotional, and financial) as a result.
While it may seem obvious to you that the driver who hit you was at fault, the insurance company will work diligently to argue otherwise. Their goal is to shift as much blame as possible onto you, the victim. They do this because of a Texas law known as Proportionate Responsibility.
Understanding Texas’s Proportionate Responsibility (51% Bar Rule)
The Texas proportionate responsibility rule, sometimes called comparative fault, states that your ability to recover compensation can be reduced or eliminated if you are found to be partially at fault for the accident.
Here’s how it works: A jury or judge will assign a percentage of fault to each party involved.
- If you are found to be 0% at fault, you are entitled to recover 100% of your damages.
- If you are found to be, for example, 20% at fault, your total compensation will be reduced by 20%.
- Here is the most critical part: If you are found to be 51% or more at fault, you are barred from recovering any compensation at all.
Insurance companies are experts at exploiting this rule. They will investigate every possible angle to place blame on you. They might claim you:
- Were not in a designated crosswalk.
- “Darted out” into the street.
- Were distracted by your phone or wearing headphones.
- Were wearing dark clothing at night.
- Crossed against a traffic signal.
Even if these accusations are untrue, they are designed to create doubt and devalue your claim. This is why a thorough, independent investigation is not just helpful—it’s absolutely essential.
The Investigation: Building the True Story of What Happened
While you focus on your physical recovery, a separate and equally important process must begin: the investigation. Building a strong case is about gathering and preserving evidence that tells the true story of the driver’s negligence. It’s about countering the narrative that the insurance company will try to create.
A comprehensive investigation into a pedestrian accident involves several key components:
- The Official Police Report: This is often the first piece of evidence. It will contain the officer’s initial observations, statements from parties and witnesses, and a diagram of the scene. While important, it is not the final word. Officers are human, and reports can contain errors or incomplete information.
- Scene Evidence: The scene of the accident holds vital clues. Photos of the vehicle’s damage, skid marks on the pavement, the final resting position of you and the vehicle, and any nearby traffic signs or signals are all crucial. This evidence must be preserved quickly before it disappears.
- Witness Statements: Independent witnesses who have no stake in the outcome are incredibly powerful. A skilled investigator knows how to locate these witnesses and obtain detailed, credible statements about what they saw before, during, and after the impact.
- Video Surveillance: In today’s world, cameras are everywhere. A nearby business, a traffic camera on a major Arlington road like I-20 or I-30, or a doorbell camera from a nearby home may have captured the entire event. Securing this footage before it is erased is a top priority.
- Expert Analysis: In complex cases, an accident reconstruction expert may be needed. These professionals can use physics and engineering principles to analyze the evidence and scientifically determine factors like the vehicle’s speed, the driver’s line of sight, and the sequence of events, providing an objective account that can refute an insurance company’s claims.
This investigation forms the foundation of your claim. It provides the factual leverage needed to demonstrate the driver’s fault and demand fair compensation.
Calculating the True Cost: Understanding Your Damages in Texas
One of the most difficult parts of this process is calculating the full extent of your losses. It is far more than just a stack of medical bills. Texas law allows you to seek compensation for a wide range of harms, which are generally divided into two categories: economic and non-economic damages.
Economic Damages: The Tangible Financial Losses
These are the direct, out-of-pocket costs and financial losses resulting from the accident. They are quantifiable and can be proven with receipts, bills, and employment records.
- Medical Expenses (Past and Future)
- Lost Wages or Income
- Loss of Future Earning Capacity
- Other Out-of-Pocket Costs
Non-Economic Damages: The Devastating Human Cost
These damages are just as real as the economic ones, but they compensate for the intangible human suffering you have endured. Placing a dollar value on this pain is difficult, but it is a critical part of making you as whole as possible.
- Pain and Suffering
- Mental Anguish
- Physical Impairment
- Disfigurement
- Loss of Enjoyment of Life
The insurance company will fight hardest to minimize these non-economic damages. They will try to argue that your pain isn’t as bad as you claim or that your emotional trauma is exaggerated. This is where having a compassionate and aggressive advocate is most crucial—someone who can articulate the true, human cost of your injuries.
The Path to Resolution: Negotiation, Lawsuits, and Deadlines
Once the investigation is complete and your damages have been fully calculated, your claim enters the resolution phase. This typically begins with sending a formal demand letter to the driver’s insurance company. This isn’t just a simple letter; it’s a comprehensive legal document that lays out the facts of the case, establishes the driver’s negligence, details every category of your damages, and demands a specific settlement amount.
The insurance company will respond, almost always with a much lower counter-offer. This begins the negotiation process. This phase is a battle of wills and evidence. The insurer will use every tactic to justify their low offer, while your advocate must skillfully counter their arguments with the facts from the investigation and a clear understanding of what Texas juries award in similar cases.
Most personal injury cases are settled during this negotiation phase. However, if the insurance company refuses to make a fair and reasonable offer, the next step is to file a lawsuit.
Filing a lawsuit does not mean your case will automatically go to a courtroom trial. It is a strategic step that escalates the pressure on the insurance company. It forces them to take the claim more seriously and allows your legal team to use powerful tools like depositions (sworn testimony from the driver and other witnesses) to strengthen your case even further. Many cases settle after a lawsuit is filed but before a trial begins.
It’s important to be aware of the Statute of Limitations. In Texas, you generally have only two years from the date of the accident to file a personal injury lawsuit. If you miss this deadline, you lose your right to seek compensation forever. This is why it is vital not to wait.
You Are Not Alone in This Fight – Branch & Dhillon Can Help
The journey after being hit by a car is physically painful, emotionally draining, and legally complex. The insurance company for the driver who hit you has a team of adjusters and lawyers whose entire job is to protect their bottom line by paying you as little as possible. They are counting on you being overwhelmed and unrepresented. You do not have to face them alone.
At Branch & Dhillon, we fight for injured victims in Arlington, Tarrant County, and across the DFW Metroplex. As an experienced Arlington, TX personal injury lawyer team, we combine a compassionate understanding of what you are going through with the aggressive, relentless advocacy required to stand up to powerful insurance companies. While we fight tirelessly on your behalf, we never lose sight of the human being at the center of the case—you. Our mission is to take the legal burden off your shoulders so you can focus on the single most important thing: your recovery.
If you or a loved one has been injured as a pedestrian in Texas, do not wait to get the help you need. Contact Branch & Dhillon today at (817) 533-3430 or through our online form for a free, no-obligation consultation. We will listen to your story, answer your questions, and explain how we can fight for you. And remember our promise: You pay absolutely no attorney’s fees unless we win your case.