Texas Car Accident Settlements: Complete Guide
Texas Car Accident Statistics at a Glance
Median Settlement
Undisclosed
Typical Range
Undisclosed – Undisclosed
Statute of Limitations
2 Years
Fault Rule
51% Bar
How Much Is a Car Accident Settlement Worth in Texas?
The average car accident settlement in Texas varies significantly based on injury severity, liability, and damages. Based on our analysis of 0+ Texas cases:
Minor Injuries
$10,000 – $50,000
Whiplash, soft tissue damage
Moderate Injuries
$50,000 – $250,000
Fractures, herniated discs
Severe Injuries
$250,000 – $1,000,000+
TBI, spinal cord damage
Catastrophic Injuries
$1,000,000 – $10,000,000+
Paralysis, amputation
Texas Car Accident Laws You Need to Know
Texas follows a modified comparative fault rule under Texas Civil Practice and Remedies Code § 33.001.
51% Bar Rule
You cannot recover damages if you're 51% or more at fault for the accident.
Proportionate Reduction
Your compensation is reduced by your percentage of fault (20% fault = 20% reduction).
No Damage Caps
Texas does not cap non-economic damages in car accident cases (unlike medical malpractice).
Minimum Insurance: 30/60/25
$30K per person, $60K per accident, $25K property damage required.
Factors That Affect Your Settlement
Settlement amounts depend on several key factors:
Medical Expenses
Past and future bills, surgery, physical therapy, ongoing care
Lost Income
Wages lost during recovery plus diminished future earning capacity
Pain & Suffering
Physical pain, emotional distress, reduced quality of life
Liability Clarity
Cases with clear fault establish higher settlements
Insurance Limits
The at-fault driver's coverage may cap your recovery
Venue/County
Urban counties historically award higher verdicts
How Long Does a Car Accident Claim Take?
3-6 months
Simple claims
Clear liability, cooperative insurers
6-12 months
Negotiated claims
Requires back-and-forth with insurance
12-24 months
Filed lawsuits
Discovery, depositions, mediation
24-36+ months
Trial cases
Full litigation through verdict
Important Deadline: 2-Year Statute of Limitations
Under Texas Civil Practice and Remedies Code § 16.003, you must file your lawsuit within 2 years of the accident date or permanently lose your right to compensation.
Most Common Car Accident Injuries in Texas
Whiplash & Neck Injuries
Common in rear-end collisions
Back Injuries & Herniated Discs
Often requires surgery
Traumatic Brain Injuries (TBI)
Concussions to severe impairment
Broken Bones & Fractures
Arms, legs, ribs, facial bones
Soft Tissue Injuries
Sprains, strains, contusions
Spinal Cord Injuries
May cause paralysis
Settlement Values by Texas County
Settlement values vary by county due to differences in jury pools and local court practices:
| County | Tendency |
|---|---|
| Harris (Houston) | Plaintiff-friendly, higher awards |
| Dallas | High volume, diverse outcomes |
| Bexar (San Antonio) | Mixed outcomes, moderate awards |
| Travis (Austin) | Growing volume, varied results |
| Tarrant (Fort Worth) | Conservative, defense-friendly |