What is the Average Settlement for a Car Accident in Texas? 

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Written and Reviewed by Angel Reyes

Published on April 2025

Managing Partner at Angel Reyes & Associates
Over 30 Years of Experience in Personal Injury
Graduated From the University of Michigan Law School: Juris Doctor

Everything You Need to Know About Litigation and Compensation for Texas Car Accidents 

If you have ever been a victim of a car accident in Texas, you’ll understand how devastating the experience can be.  

Not only are you nursing your physical wounds, but now you have a financial burden weighing you down as you struggle to pay for the costs of steep medical bills and vehicle repairs. Did you know that you may be entitled to compensation for the damages you’ve incurred from your car accident? 

Many factors determine the car accident settlement amount you’re entitled to. It can be challenging to figure out exactly how much you are owed, but a personal injury attorney can help! 

How is Texas Car Accident Compensation Calculated? 

Texas law operates under a modified comparative fault system, meaning you are entitled to seek compensation for your damages as long as you’re 50% or less responsible for the accident. However, the car accident settlement amount will be reduced by your percentage of fault. For example, if you’re found to be 25% at fault, your compensation would be reduced by 25%. 

Determining fault in Texas car accidents is not a black-and-white matter. It requires detailed research, a thorough understanding of Texas traffic laws, and a comprehensive examination of all available evidence. A car accident lawyer can help you figure out your estimated compensation based on your percentage of fault. 

How Much to Expect from a Car Accident Settlement Based on Your Recoverable Damages 

It can be challenging to nail down a precise average car accident settlement amount as they can typically range anywhere from $142,500 to over $4,500,000.  

With this extreme variance, you might be wondering what determines the compensation you’ll receive for your recoverable damages. Usually, you can expect to be compensated for your medical expenses, including emergency treatment, surgeries, rehabilitation, and future medical needs. You may also recover lost wages and diminished earning capacity – especially if your injuries affect your long-term ability to work. 

Compensation for Pain and Suffering in Texas Car Accident Claims  

Some damages are harder to quantify, such as pain and suffering.  

These non-economic damages will factor into your car accident settlement payout as well. Texas law states that pain and suffering in the form of physical pain, emotional distress, mental anguish, and loss of life enjoyment should all be considered when calculating compensation for a car accident claim.  

Insurance Policy Limits on Texas Car Accident Settlement Payouts 

Your insurance policy likely has practical limits on the amount of compensation they’ll pay out for a Texas car accident.  

While most cases are resolved within your accident insurance policy limits, it is possible to pursue further compensation directly from defendants with substantial personal assets.  

If you choose to seek additional compensation for your car accident settlement, be sure to take the following steps: 

  1. Take your time. Rushing to settle may result in quick, lowball offers. 
  1. Seek immediate, comprehensive medical treatment 
  1. Do not take the first offer (or the second if it is still too low) 
  1. Connect with a car accident lawyer who will maximize the value of your case 

Documenting Your Damages After a Car Accident in Texas 

If you want to ensure you get the maximum compensation after a car accident in Texas, then you need to provide strong evidence.  

This includes comprehensive medical records, proof of lost wages, expert testimony about future medical needs, and documentation of how the injuries have impacted your life.  

Experienced personal injury attorneys will partner with qualified medical experts and financial professionals to build strong Texas car accident cases that demonstrate the full extent of their client’s losses to ensure they receive the best settlement possible. 

More Severe Injuries = Higher Car Accident Settlement Payouts 

It likely won’t come as a shock that cases involving serious bodily injuries typically warrant higher compensation in car accident settlement cases.  

Catastrophic bodily injuries such as spinal cord damage, traumatic brain injuries, or permanent disabilities usually result in the largest car accident settlement amounts due to their long-term impact on victims’ lives, working abilities, and the extensive medical care required. 

Maximize Your Car Accident Settlement Amount with the Help of Angel Reyes & Associates 

Time is of the essence when filing a lawsuit after a car accident in Texas. 

You have two years from the date of the car accident to file your claim. Therefore, it is vital you partner with a car or truck accident attorney as soon as possible to maximize your car accident settlement payout.  

With over 30 years of experience handling Texas car accident cases and a 98% success rate, our incredible team of personal injury lawyers will hold your hand every step of the way. We will work tirelessly to ensure you receive maximum compensation for the emotional and physical toll this car accident has taken on you. Don’t wait, don’t hesitate.  

The compassionate team of attorneys at Angel Reyes & Associates takes a people-first approach, fighting for our valued clients as they face the challenges of complex car accident settlement issues head-on. Allow us to guide your way by removing the stress from the equation as we handle all communication and negotiation with your accident insurance company on your behalf.  

Contact us today for a free consultation, or stop by one of our offices in Dallas, Fort-Worth, Houston, or Austin so we can discuss your case face-to-face. You’re in good hands with Angel Reyes & Associates. 

Stay safe, Texas. 

If you have been injured in a car accident, you need an experienced car accident lawyer specialist to protect your rights against insurance companies dedicated to minimizing your claim and compensation!

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