Texas Personal Injury Statistics & Settlement Data
Comprehensive data on Texas personal injury settlements, verdicts, statutes, and damage thresholds. Updated for 2026.
Average Texas Settlements by Case Type
| Case Type | Minor Injury | Moderate Injury | Severe / Catastrophic |
|---|---|---|---|
| Car Accident | $10,000 – $25,000 | $50,000 – $200,000 | $200,000 – $1,000,000+ |
| Truck Accident | $25,000 – $50,000 | $100,000 – $500,000 | $500,000 – $5,000,000+ |
| Medical Malpractice | $50,000 – $100,000 | $150,000 – $500,000 | $500,000 – $2,000,000+ |
| Slip & Fall | $8,000 – $20,000 | $25,000 – $100,000 | $100,000 – $500,000+ |
| Workplace Injury | $10,000 – $30,000 | $50,000 – $200,000 | $200,000 – $1,000,000+ |
| Product Liability | $15,000 – $50,000 | $75,000 – $300,000 | $300,000 – $5,000,000+ |
| Wrongful Death | N/A | $250,000 – $750,000 | $1,000,000 – $10,000,000+ |
Note: These ranges are based on publicly available Texas verdict and settlement data. Actual case values vary significantly based on specific facts, evidence, jurisdiction, and insurance coverage.
Texas Statute of Limitations
| Claim Type | Time Limit |
|---|---|
| General personal injury | 2 years from date of injury |
| Medical malpractice | 2 years from date of injury or discovery (max 10 years) |
| Wrongful death | 2 years from date of death |
| Product liability | 2 years from date of injury (15-year repose for products) |
| Claims against government | 6-month notice + 2 years under Texas Tort Claims Act |
| Minors | Tolled until age 18, then 2 years |
Texas Damage Caps & Legal Thresholds
Comparative Fault (51% Bar Rule)
Texas uses a modified comparative fault system. You can recover damages only if you are 50% or less at fault. Your award is reduced by your fault percentage. At 51% or more fault, you are completely barred from recovery. This is codified in Texas Civil Practice & Remedies Code Chapter 33.
Medical Malpractice Damage Caps
Under Texas Civil Practice & Remedies Code Section 74.301, non-economic damages in medical malpractice cases are capped at $250,000 per individual healthcare provider and $500,000 aggregate for healthcare institutions. Economic damages (medical bills, lost wages) have no cap.
Punitive Damages Cap
Texas caps punitive (exemplary) damages at the greater of: (1) $200,000, or (2) two times the amount of economic damages plus up to $750,000 in non-economic damages. Punitive damages require proof of fraud, malice, or gross negligence by clear and convincing evidence.
No General Compensatory Damage Caps
Texas does not impose caps on compensatory damages (economic or non-economic) in most personal injury cases including car accidents, truck accidents, premises liability, and product liability. Only medical malpractice cases are subject to non-economic damage caps.
Workers' Compensation in Texas
Texas is the only state where employers can legally opt out of workers' compensation insurance. Non-subscriber employers lose most common-law defenses and can be sued directly in personal injury court. Employees of subscriber employers are generally limited to workers' comp benefits and cannot sue their employer.
Texas Personal Injury Fast Facts
- •Texas has the most motor vehicle crash fatalities of any U.S. state, averaging over 4,000 per year according to TxDOT data.
- •The average cost of a car accident injury claim in Texas is approximately $20,000 to $30,000 for minor to moderate injuries.
- •Texas minimum auto liability insurance is 30/60/25 — $30,000 per person, $60,000 per accident bodily injury, $25,000 property damage.
- •Roughly 14% of Texas drivers are uninsured, making UM/UIM coverage critical for full protection.
- •Texas personal injury attorneys typically charge 33% on contingency (pre-trial) and up to 40% if the case goes to trial.
- •Harris County (Houston) and Dallas County are the two highest-volume personal injury jurisdictions in Texas.
- •Texas follows a fault-based insurance system — the at-fault driver's insurance pays the injured party's damages.
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