If you have been injured in a car accident in Texas, you are not alone — and you may be entitled to significant compensation. Texas reported over 550,000 motor vehicle crashes in 2022, resulting in 4,481 fatalities — more than any other state in the nation. The state's sprawling highway system, high speed limits (up to 85 mph on some stretches), and rapid population growth create conditions that make serious collisions tragically common.
If you have been injured in a car accident in Texas, you are not alone — and you may be entitled to significant compensation. Texas reported over 550,000 motor vehicle crashes in 2022, resulting in 4,481 fatalities — more than any other state in the nation. The state's sprawling highway system, high speed limits (up to 85 mph on some stretches), and rapid population growth create conditions that make serious collisions tragically common.
Texas follows a fault-based insurance system, meaning the driver who caused the accident is responsible for your damages. Under Texas Civil Practice & Remedies Code § 33.001, the state applies a modified comparative fault rule: you can recover damages as long as you are not more than 50% at fault for the collision. Your recovery is reduced by your percentage of responsibility — so if you are found 25% at fault and your damages total $100,000, you would receive $75,000.
The minimum liability insurance required in Texas is 30/60/25 — $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. These minimums are often insufficient for serious injuries. If the at-fault driver carries only minimum coverage and your damages exceed their policy limits, you may need to pursue an underinsured motorist (UIM) claim under your own policy. Approximately 14% of Texas drivers are uninsured, making UM/UIM coverage critical.
Your car accident claim can include medical expenses (past, present, and future), lost wages and diminished earning capacity, pain and suffering, mental anguish, physical impairment, disfigurement, and loss of enjoyment of life. Texas does not cap compensatory damages in car accident cases, so the full extent of your losses is recoverable.
Based on analysis of Texas verdict and settlement data.
| Severity | Medical Costs | Lost Wages | Pain & Suffering | Total Range |
|---|---|---|---|---|
| Minor | $2,000 – $10,000 | $500 – $5,000 | $5,000 – $15,000 | $10,000 – $30,000 |
| Moderate | $10,000 – $50,000 | $5,000 – $25,000 | $15,000 – $75,000 | $30,000 – $150,000 |
| Severe | $50,000 – $200,000 | $25,000 – $100,000 | $75,000 – $500,000 | $150,000 – $750,000+ |
Ranges based on publicly available Texas verdict and settlement data. Actual outcomes depend on specific case facts.
Texas car accident claims are governed by the two-year statute of limitations under Tex. Civ. Prac. & Rem. Code § 16.003. Missing this deadline permanently bars your right to sue. The modified comparative fault system (§ 33.001–33.017) allows recovery only if you are 50% or less at fault, with your award reduced proportionally. Texas requires a minimum of 30/60/25 liability coverage under Tex. Ins. Code § 1952.051. There are no caps on economic or non-economic damages in car accident cases. Punitive damages may be available if the at-fault driver acted with gross negligence (e.g., drunk driving, extreme recklessness) and are capped at the greater of $200,000 or 2x economic damages plus up to $750,000 in non-economic damages under § 41.008.
Statute of Limitations
2 years from the date of the accident
Comparative Fault
51% Bar Rule
Damage Caps
No Cap on Compensatory
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