Before you choose a lawyer · insurance and recovery
Texas drivers are generally required to carry minimum bodily-injury liability coverage of $30,000 per injured person and $60,000 per accident, plus $25,000 in property-damage coverage. When injuries are serious, minimum liability limits may be far below the documented damages. The available recovery can depend on other policies, responsible parties, UM/UIM coverage, and collectable sources—not on the minimum limit alone.
The $30,000/$60,000 minimum required by Texas law is the least a driver must carry to operate a vehicle legally. It does not cap what a serious injury may be worth, and it does not guarantee that amount will be paid.
Emergency treatment, surgery, hospitalization, imaging, therapy, ongoing care and lost income can exceed minimum limits quickly. When damages exceed one policy, other recovery sources may need to be identified.
If the at-fault driver's liability coverage is insufficient, the injured person's own uninsured or underinsured motorist coverage may provide additional recovery subject to policy terms, offsets and Texas law.
Depending on the facts, employer coverage, household or family-member policies, UM/UIM on the vehicle involved in the accident, or other liable parties may affect practical recovery. Each source must be verified and may involve separate terms and exclusions.
A serious injury may support damages well above minimum limits, but the amount actually recoverable depends on available coverage, responsible parties, assets, liens, and other case-specific facts.
The calculator presents a broad preliminary claim-value range while separately identifying reported coverage and recovery-source limitations. It does not force the claim value down to the minimum policy limit.
Texas generally requires at least $30,000 in bodily-injury liability per person, $60,000 per accident, and $25,000 in property-damage liability. These are legal minimums, not a measure of what a serious injury is worth.
Potentially, if other coverage or responsible parties exist. UM/UIM, additional policies, or other collectible sources may provide recovery beyond one liability limit, but availability must be verified.
No. TSC keeps claim value and practical recovery separate. The minimum limit is a coverage fact, not a cap on the injury-damages range.
External links are provided for general consumer education. TSC is not affiliated with these agencies and does not control their content.
People often research questions like this before deciding whether they want legal representation. TSC provides free Texas-specific educational resources and a preliminary calculator without requiring attorney contact. Any attorney-contact request is a separate consumer choice.
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.