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Texas Uninsured Driver Accident Settlement Calculator
When the other driver has no insurance or not enough insurance, the injury evaluation and the available source of recovery are separate questions. This page starts with car accident selected and helps organize the injury, treatment, responsibility, wage-loss, and insurance facts that may affect the claim.
Texas-focused educational information · Updated October 1, 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.
How might responsibility be divided?
Choose the closest educational scenario. The percentages are illustrations—not findings of legal fault—and the result will show the effect of the selected responsibility assumption.
Your preliminary claim range will be shown after the last question — no contact information required.
The output is a broad, gross preliminary range based on the information entered. It is not legal advice, a prediction of settlement or verdict, or a statement of net recovery.
Claim-specific factors to review
Underlying injury claim
Medical treatment, diagnoses, recovery, future care, wage loss, and daily-life impact remain central to the preliminary injury range.
Proof of the other driver's responsibility
UM/UIM coverage does not eliminate the need to establish the other driver's legal responsibility and the amount of compensable damages.
Coverage status and policy terms
Whether the other driver is uninsured or underinsured, the claimant's own policy, applicable limits, exclusions, and coverage conditions can affect practical recovery.
Multiple policies or vehicles
Household policies, multiple covered vehicles, employer coverage, or other policies may require policy-specific review. The calculator does not assume that any additional coverage applies.
Evidence checklist
Why the result can change
Online tools cannot capture every disputed fact, policy provision, medical issue, responsible party, evidentiary problem, lien, or future development. New treatment, better documentation, changed medical recommendations, disputed responsibility, unavailable coverage, or newly identified coverage can materially change both a preliminary claim range and practical recovery.
Attorney connection remains optional
You do not need to provide contact information to see the calculator result. After the result, an optional attorney-connection choice may be shown when that feature is available. Choosing not to request contact does not affect the result.
Related Texas resources
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.