Texas Personal Injury Settlement Calculator
How much is your injury claim worth in Texas? Estimate your pain and suffering, car accident settlement, or truck accident claim using Texas law and statewide injury factors.
Get a fast, personalized estimate based on Texas claim trends, state compensation rules, and your accident details.
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📜 Texas Statutory Grounding & Legal Parameters
This calculator is built on Texas statutory law. The following legal mechanisms are hardcoded into every estimate:
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Proportionate Responsibility Rule:
Texas Civil Practice & Remedies Code Chapter 33— Texas is a modified comparative negligence state using a strict 51% Bar Rule. If a plaintiff's fault is assessed at 51% or higher, their financial recovery drops to $0.00. If 50% or less, recovery is reduced proportionally. -
Chapter 74 Medical Malpractice Cap:
Texas Tort Reform Act (Chapter 74)— Non-economic damages are strictly capped at $250,000 for individual physicians and $250,000 for medical institutions. Combined total cap: $500,000 (or $750,000 if multiple institutions). -
Uncapped Rule: Commercial trucking, 18-wheeler accidents, and general personal injury claims are completely uncapped under Texas state law for non-economic pain and suffering losses.
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Statute of Limitations:
Texas Civil Practice & Remedies Code § 16.003— 2 years from the date of the accident to file a personal injury lawsuit.
📍 Texas City Calculators
Estimate your potential claim value using factors specific to your city — local court trends, injury severity, and Texas law.
Don't see your city? Many attorneys practice across Texas. Explore city-specific calculators to better understand your potential claim value based on local factors.
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Texas Injury Claim FAQs
Answers to the most common questions about Texas personal injury, car accidents, trucking, and malpractice claims.
What is the Texas 51% bar rule?
Under Texas Civil Practice & Remedies Code § 33.001, if you are found 51% or more at fault for your injuries, you are completely barred from recovering any compensation. If you are 50% or less at fault, your recovery is reduced proportionally. This is a critical rule that makes Texas a modified comparative fault state.
What are the medical malpractice caps in Texas?
Texas caps non-economic damages (pain and suffering) at: $250,000 per physician (up to $500,000 total for multiple physicians), $250,000 per institution (up to $500,000 total for multiple institutions), with an absolute global cap of $750,000 for all non-economic damages combined. Economic damages (medical bills, lost wages) are completely uncapped.
How is pain and suffering calculated in Texas?
Pain and suffering is typically calculated using the multiplier method: (Medical Bills + Lost Wages) × Multiplier. The multiplier ranges from 1.5× for minor injuries to 5×+ for catastrophic injuries. Insurance adjusters also consider recovery time, emotional distress, and the impact on your daily life.
What is the average car accident settlement in Texas?
Average car accident settlements in Texas range from $15,000 to $25,000 for minor injuries, $50,000 to $200,000 for moderate injuries, and $250,000+ for catastrophic injuries. Settlements vary significantly by city — Houston, Dallas, and Austin have different average payout ranges.
What is the statute of limitations for personal injury in Texas?
Texas has a 2-year statute of limitations for most personal injury claims (Texas Civil Practice & Remedies Code § 16.003). This includes car accidents, truck accidents, slip and falls, and wrongful death. The clock starts ticking on the date of the accident.
Is there a cap on pain and suffering damages in Texas?
There is no cap on pain and suffering for commercial trucking or standard vehicle accidents. Caps only apply to medical malpractice cases ($250,000 maximum per provider/facility) and punitive damages.
What is the minimum car insurance requirement in Texas?
Texas requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage (30/60/25). These minimums are often insufficient for serious injuries.
What should I do if I am hit by an uninsured driver in Texas?
Texas has a high rate of uninsured motorists. If you are struck by an uninsured driver, your primary route for recovery is utilizing your own auto insurance policy's Uninsured/Underinsured Motorist (UM/UIM) coverage or Personal Injury Protection (PIP). A Texas lawyer can help navigate your own insurer if they act in bad faith.
Should I accept the first settlement offer in Texas?
No. Insurance companies typically make low initial offers hoping you'll accept less than your claim is worth. Studies show that claimants who hire attorneys recover 2–5× more on average than those who negotiate alone. Always consult a Texas attorney before accepting any offer.
Do Texas injury lawyers offer free consultations?
Yes. Most Texas personal injury attorneys offer free initial consultations to evaluate your case and explain your legal options. This is a no-obligation way to understand your rights and potential compensation.
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