Texas Car Accident Settlement Calculator
Estimate a car accident settlement under Texas law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Texas law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Texas bars recovery if plaintiff is 51% or more at fault.
Tex. Civ. Prac. & Rem. Code § 33.001·Source retrieved 2026-07-27
Tex. Civ. Prac. & Rem. Code § 41.008·Last reviewed 2026-07-30
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Texas car insurance law: minimums, PIP and uninsured motorist coverage
What Texas's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Texas: Minimum liability coverage
“A person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle through: (1) a motor vehicle liability insurance policy that complies with Subchapter D; (2) a surety bond filed under Section 601.121; (3) a deposit under Section 601.122; (4) a deposit under Section 601.123; or (5) self-insurance under Section 601.124.”
“Effective January 1, 2011, the minimum amounts of motor vehicle liability insurance coverage required to establish financial responsibility under this chapter are: (1) $30,000 for bodily injury to or death of one person in one collision; (2) $60,000 for bodily injury to or death of two or more persons in one collision, subject to the amount provided by Subdivision (1) for bodily injury to or death of one of the persons; and (3) $25,000 for damage to or destruction of property of others in one collision.”
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Texas: No-fault, personal injury protection and the right to sue
“(a) An insurer may not deliver or issue for delivery in this state an automobile liability insurance policy, including a policy provided through the Texas Automobile Insurance Plan Association under Chapter 2151, that covers liability arising out of the ownership, maintenance, or use of any motor vehicle unless the insurer provides personal injury protection coverage in the policy or supplemental to the policy. (b) The coverage required by this subchapter does not apply if any insured named in the insurance policy rejects the coverage in writing.”
“This subchapter does not require an insurer to provide personal injury protection coverage in an amount that exceeds $2,500 for all benefits, in the aggregate, for each person.”
No limit on a suit for pain and suffering was found in the provisions read for this page (Tex. Ins. Code §§ 1952.101, 1952.152 and 1952.153).
Texas: Uninsured and underinsured motorist coverage
“(a) In this section, "uninsured or underinsured motorist coverage" means the provisions of an automobile liability insurance policy that provide for coverage in at least the limits prescribed by Chapter 601, Transportation Code, that protects insureds who are legally entitled to recover from owners or operators of uninsured or underinsured motor vehicles damages for bodily injury, sickness, disease, or death, or property damage resulting from the ownership, maintenance, or use of any motor vehicle. (b) An insurer may not deliver or issue for delivery in this state an automobile liability insurance policy, including a policy provided through the Texas Automobile Insurance Plan Association under Chapter 2151, that covers liability arising out of the ownership, maintenance, or use of any motor vehicle unless the insurer provides uninsured or underinsured motorist coverage in the policy or supplemental to the policy. (c) The coverage required by this subchapter does not apply if any insured named in the insurance policy rejects the coverage in writing.”
Texas: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (Tex. Ins. Code §§ 1952.101, 1952.152 and 1952.153).
What partial fault costs you in Texas
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Texas law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Texas deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Texas periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Tex. Civ. Prac. & Rem. Code § 16.003(a)·Source retrieved 2026-07-27
Open the personal injury calculatorTex. Civ. Prac. & Rem. Code § 74.251·Source retrieved 2026-07-27
Open the medical malpractice calculatorTex. Civ. Prac. & Rem. Code § 16.003(b)·Source retrieved 2026-07-27
Open the wrongful death calculatorTex. Lab. Code 409.003·Last reviewed 2026-07-28
Open the workers compensation calculatorTex. Civ. Prac. & Rem. Code § 16.003(a)·Source retrieved 2026-07-27
Open the slip and fall calculatorTex. Civ. Prac. & Rem. Code § 16.003(a)·Source retrieved 2026-07-27
Open the dog bite calculatorTexas against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Texas is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Texas is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology