Claim value is driven by the injury evidence
Medical treatment, functional impact, lost income, future care, causation, and responsibility are the factors that describe what an injury claim may be worth. The insurance limit does not set that value.
Before you choose a lawyer · insurance and recovery
Policy Limits vs Claim Value in Texas
Policy limits and claim value are separate concepts that are often confused. A policy limit is the most a particular insurance policy will pay for covered losses. Claim value is what the injury may be worth based on the evidence. One does not determine the other.
Policy limits are a coverage ceiling, not a price tag
A $30,000, $100,000, or $1,000,000 limit is the most that policy will pay for covered losses. It does not mean the injury is worth that amount, and it does not cap the damages analysis.
A claim can be worth more or less than a policy limit
A serious injury may support damages above a single policy's limit, while a minor injury may be worth less than the available coverage. The relationship depends on the evidence, not the limit.
Practical recovery depends on multiple factors
Even when claim value exceeds a policy limit, the amount actually recoverable can depend on other policies, UM/UIM, responsible parties, assets, liens, offsets, and collectability.
TSC keeps claim value and practical recovery separate
The calculator presents a broad preliminary claim-value range and separately identifies reported coverage and recovery-source limitations. It does not force the claim value to equal the policy limit.
Do not treat a policy limit as a settlement offer
An insurer may offer up to a policy limit, but that number is a coverage fact, not an evaluation of the injury. A settlement decision should consider the full damages picture, not just the available limit.
Frequently asked questions
Is my claim worth the policy limit?
Not necessarily. A policy limit is the most that policy will pay; it does not determine what the injury is worth. The claim value depends on the injury evidence, not the coverage amount.
What if my claim is worth more than the insurance limit?
Other recovery sources may need to be identified, such as UM/UIM, additional policies, or other responsible parties. Practical recovery is case-specific.
Why does TSC keep claim value and policy limits separate?
Because they answer different questions. Claim value describes what the injury may be worth; policy limits describe how much one policy will pay. Mixing them can mislead consumers about either number.
Related Texas claim resources
Why TSC covers this question
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.