Calculation methodology
How the preliminary claim-value range is calculated
Texas Settlement Calculator uses a rules-based educational model. It is not a statistical, actuarial, or machine-learning model trained or validated on Texas settlements, verdicts, insurer files, or jury outcomes. The result is based on information reported by the user and internally designed component bands and guardrails. Unknown facts are not guessed: an unidentified or uncertain input contributes no automatic dollars until it is clarified.
Information the model considers
Diagnoses and treatment
Reported diagnosis families, additional diagnoses, the highest supported treatment stage, identified procedures or surgery, and supported permanency or catastrophic-injury facts.
Medical and economic loss
Reported past medical expenses, lost income, supported future medical needs, and quantified future earning-capacity loss. Exact reported amounts supersede broad brackets when available.
Symptoms, function, and causation
Current symptoms, work or activity impact, prior-condition information, provider-reported causation support, and other facts that may require record review.
Responsibility and recovery sources
Responsibility, reported insurance, commercial-vehicle facts, and possible additional recovery sources are evaluated separately from intrinsic injury damages and may affect practical recovery.
How reported information becomes a range
Step 1
Add documented economic loss once
Past medical expenses, lost income, supported future medical needs, and quantified future earning-capacity loss are represented once. The model does not multiply medical bills.
Step 2
Add supported injury and treatment components
The model adds a diagnosis-family component, a capped contribution for distinct additional diagnoses, and the highest supported treatment stage. A named surgery or procedure can be evaluated; an unidentified surgery receives no guessed surgery-treatment dollars.
Step 3
Add supported symptom and functional impact
Ongoing symptoms, activity or work impact, supported permanency, and catastrophic-injury facts may contribute separately while anti-stacking rules limit overlapping components.
Step 4
Separate claim value from practical recovery
The model returns a gross preliminary injury-damages range, then analyzes responsibility and reported recovery sources separately. Coverage, responsibility, and collectability do not increase intrinsic injury damages.
Representative effect of reported factors
This table explains the general direction of an input—not a fixed weight, percentage, or promised result. The effect of any factor depends on the other reported facts.
Gross injury damages—not net recovery
The displayed injury-damages range is gross and preliminary. Practical recovery is shown separately when the reported responsibility and recovery-source facts support it. Neither figure calculates attorney fees, case expenses, medical balances, liens, subrogation claims, taxes, or other possible deductions.
Why exact weights are not presented
Individual inputs are not promises that the range will rise or fall by a fixed percentage. Their effect depends on the combination of information reported, and overlapping factors are not intended to be counted twice.
What the calculator cannot determine
The model cannot determine credibility, admissibility, medical causation, reasonableness of charges, policy terms or exclusions, liens, comparative responsibility, legal defenses, venue effects, defendant collectability, litigation posture, judicial rulings, jury decisions, settlement behavior, or the amount any person will actually recover. User answers may also be incomplete or inaccurate.
This is educational information—not legal advice, an appraisal, or a prediction of settlement or verdict. A licensed attorney reviewing the individual facts may reach a materially different assessment.
Methodology disclosure updated September 24, 2026.