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Uninsured Motorist Accident Settlement Calculator
If you're hit by a driver with no insurance — or too little to cover your injuries — your own uninsured/underinsured motorist (UM/UIM) coverage steps in. Texas requires insurers to offer UM coverage, and it's one of the most important protections you can carry. These claims follow a slightly different process than a standard liability claim. Use the free injury calculator for a broad educational preliminary range based on reported factors.
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Prepared by Texas Settlement Calculator Editorial Team · Editorial standards
About the preliminary range
The calculator is a rule-based educational tool. It considers the limited information entered and displays a broad, gross preliminary claim-value range. It does not use a fixed medical-bill multiplier or a disclosed database of Texas settlements or verdicts, and it is not legal advice, an appraisal, or a prediction of settlement, verdict, or net recovery.
How uninsured motorist settlements work in Texas
UM/UIM coverage may provide an additional source of recovery when an at-fault driver is uninsured or available liability coverage is insufficient, subject to the policy terms, legal prerequisites, offsets, limits, responsibility, damages, and Texas law. Hit-and-run coverage also depends on the policy and required proof.
Factors that may affect an uninsured motorist accident claim
There is no dependable statewide settlement range or fixed medical-bill multiplier for uninsured motorist accident settlement calculator. An individual evaluation may consider diagnosis, causation, treatment, recovery, functional effects, economic losses, responsibility, defenses, insurance, and supporting evidence. The calculator provides only a broad, gross preliminary range and does not predict an outcome.
Factors that may support an uninsured motorist claim evaluation
Verified UM/UIM policy terms, responsibility evidence, medical records and documented income loss may be relevant to an individualized evaluation. Notice and cooperation duties depend on the policy and applicable law and do not automatically determine claim strength or value.
What can reduce your uninsured motorist settlement
UM/UIM limits may constrain recovery under that coverage, subject to the policy, offsets, other coverage, and applicable law. Disputed responsibility, treatment evidence, and proof concerning the other vehicle's insurance status can also affect the claim. Texas proportionate-responsibility rules may limit or bar recovery depending on the applicable findings and legal theory.
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Related Texas guides
Medical documentation checklistTexas Injury Claim ToolkitFree preliminary claim rangeCar accident settlement calculatorWhat is my case worth?Texas accident guidesTexas Personal Injury Resource CenterTexas Injury Claim GuidesWhat If the DWI Driver Is Uninsured?Can UM/UIM Coverage Matter After a DWI Accident?Can a Robotaxi Passenger's Own UM/UIM Coverage Matter?
Frequently asked questions
How much is an uninsured motorist accident settlement worth?
There is no dependable amount based only on the injury or accident label. Medical causation, treatment, recovery, functional impact, economic losses, responsibility, defenses, insurance, and supporting evidence may affect an individual evaluation. The calculator provides only a broad preliminary range and is not a prediction or legal opinion.
What if the at-fault driver has some insurance but not enough?
UIM coverage may apply when legally recoverable damages exceed available liability coverage, subject to the UIM policy's terms, limits, offsets, prerequisites, and Texas law.
Can I stack uninsured motorist coverage in Texas?
Do not assume UM/UIM limits can be stacked or combined. The result depends on the policy language, endorsements, vehicles and coverages involved, and applicable Texas law. Review the actual policy or obtain qualified guidance about how the limits apply.
This tool produces a preliminary, non-binding estimate based on the information you provide and general personal-injury valuation methods. It is not legal advice, not a guarantee of any outcome, and not a substitute for review by a licensed attorney. Actual settlements and verdicts vary widely based on evidence, jurisdiction, insurance coverage, and many other factors. Texas Settlement Calculator is not a law firm and does not practice law; use of this tool does not create an attorney-client relationship.