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Texas Car Accident Claim Calculator
If you were injured in a Texas car accident, this free educational tool can help you organize reported information about injuries, treatment, financial impact, responsibility, and insurance. It provides a broad, gross preliminary claim-value range in about two minutes. The result is not legal advice, a case valuation, or a prediction of settlement, verdict, or net recovery.
Prepared by the Texas Settlement Calculator Editorial Team · Content updated September 7, 2026
Free · Texas-specific · No sign-up
Texas Injury Claim Assessment
Answer a few questions about your accident and injuries to receive a preliminary Texas claim range.
How the preliminary range is calculatedJust getting started — most people finish in under 2 minutes.
What kind of accident was it?
Your preliminary claim range will be shown after the last question — no contact information required.
How This Calculator Works
This is a rule-based educational model. It considers the information entered about injuries, treatment, recovery, financial impact, responsibility, and insurance; it does not apply a fixed medical-bill multiplier or use a disclosed database of Texas settlements or verdicts. The broad low-to-high result reflects uncertainty, but important facts outside the questionnaire may move an actual evaluation higher or lower.
What Factors Affect a Car Accident Settlement?
Medical expenses and future treatment
Reported emergency care, imaging, specialist visits, therapy, surgery, prescriptions, and anticipated treatment help describe the medical impact of a collision. Bills alone do not determine claim value; necessity, causation, documentation, and the reasonableness of the charges may also matter.
Lost income and earning capacity
Documented time away from work and accident-related work restrictions may affect the evaluation. A claimed future loss of earning capacity is fact-specific and may require employment, medical, vocational, or economic evidence.
Physical and daily-life impact
Ongoing symptoms, recovery time, permanent limitations, and effects on ordinary activities may be relevant. There is no dependable medical-bill multiplier that can measure these effects or predict a settlement.
Responsibility and causation
The available evidence may support, dispute, or divide responsibility for the collision. Under Texas proportionate-responsibility rules, an assigned share of responsibility may reduce recoverable damages, and an assignment above 50% generally prevents recovery.
Insurance and practical recovery
Available liability, UM/UIM, commercial, umbrella, or other coverage may affect practical recovery, but policy limits do not establish fault or damages. Coverage terms, exclusions, responsible parties, liens, and collectability require case-specific review.
Why similar claims may produce different ranges
Consider two hypothetical Texas claims with similar reported medical expenses. One may involve resolved symptoms, limited documentation, disputed responsibility, and restricted coverage. The other may involve documented ongoing limitations, consistent treatment, verified lost income, and clearer responsibility evidence. A rule-based tool may place them in different broad ranges, but it cannot predict either outcome.
Documentation can help explain the information reported: preserve the crash report and photographs; keep emergency, imaging, specialist, therapy, and pharmacy records; request itemized bills; obtain written work restrictions and wage verification; and document symptoms and daily limitations consistently.
Texas rules and coverage that can change the result
Under Texas Civil Practice and Remedies Code §33.001, a claimant generally cannot recover when assigned more than 50% responsibility. A lower percentage reduces recoverable damages proportionally.
Texas drivers must generally carry at least $30,000 of bodily-injury liability coverage per injured person and $60,000 per accident, according to the Texas Department of Insurance. Other liable parties, UM/UIM coverage, commercial coverage, or umbrella policies may affect available recovery. Use the embedded calculator above or start the full Texas case evaluation.
Related Texas claim resources
Use these resources to explore parts of a claim that often require more detail than a general car-accident overview.
Information Considered in a Car-Accident Claim
No dependable statewide average or injury-to-dollar table can predict an individual result. These categories explain how the educational model treats the information entered.
| Information category | How it is treated |
|---|---|
| Reported injuries and symptoms | Considered together with duration, recovery, and supporting records |
| Treatment and medical expenses | Considered without applying a fixed medical-bill multiplier |
| Responsibility and causation | Evaluated from the answers provided; disputed facts can materially change the analysis |
| Income loss and insurance information | May affect the broad gross range and practical recovery considerations |
Frequently Asked Questions
How accurate is a car accident settlement calculator?
The calculator provides a broad, gross preliminary claim-value range from the information entered. It is a rule-based educational tool, not a statistical prediction, legal opinion, appraisal, or guarantee. Important facts that the questions cannot capture may materially change an actual claim evaluation.
Is attorney contact required to use the calculator?
Not every claim requires counsel. Legal review can be especially important when injuries are serious, fault is disputed, multiple policies may apply, or a deadline is approaching. Fees and the potential benefit of representation depend on the case.
How long does it take to get a settlement?
There is no dependable timeline. The duration may depend on medical recovery, evidence, disputed responsibility, coverage, negotiations, litigation, and court scheduling. Resolving a claim before the nature and extent of the injuries are understood can have lasting consequences.
What if the accident was partly my fault?
Texas uses proportionate responsibility. Recoverable damages are reduced by the claimant’s assigned percentage of responsibility, and a claimant assigned more than 50% generally cannot recover. Our calculator adjusts the estimate using the percentage entered.
Does this calculator account for Texas law?
The tool applies Texas's proportionate-responsibility framework to the percentage entered and provides Texas-focused educational information. It does not use or claim validation against typical Texas verdict or settlement ranges, and it cannot determine how a court, jury, insurer, or attorney would evaluate a particular claim.
Explore by Injury Type
Different injuries may involve different medical, functional, and evidentiary considerations. Explore educational information by injury type.
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.