Texas Car Accident Settlement — How It Works

A visual guide to how personal injury settlements are calculated in Texas

How Texas Car Accident Settlements Are Calculated The formula used by Texas attorneys and insurance companies texasinjurycalculator.com The Two Types of Damages ECONOMIC DAMAGES What you can prove with receipts 🏥 Medical bills (past) 💊 Future medical costs 💼 Lost wages 📅 Future lost income 🚗 Property damage NON-ECONOMIC DAMAGES Pain, suffering & emotional impact 😣 Physical pain 😰 Emotional distress 😴 Sleep disruption 🚫 Loss of enjoyment 💔 Mental anguish The Pain & Suffering Multiplier Applied to your total economic damages 1.5 MINOR Full recovery minor injuries 2.5 MODERATE Months of treatment broken bones 3.5 SERIOUS Surgery required significant pain 4.5 SEVERE Permanent impairment 5.0 CATASTROPHIC TBI, paralysis life-altering 1.5× 2.5× 3.5× 4.5× 5.0× The Settlement Formula ECONOMIC DAMAGES + PAIN & SUFFERING (Economic × Multiplier) = GROSS SETTLEMENT Example: $30,000 medical + $5,000 lost wages = $35,000 economic damages × 3.0 multiplier = $105,000 pain & suffering = $140,000 gross settlement ⚠️ Texas 51% Bar Rule Your fault percentage reduces your recovery 0% fault → Full recovery 25% → 25% reduction 50% → 50% reduction 51%+ → $0 RECOVERY If you are 51% or more at fault in Texas, you cannot recover any damages. Texas Civil Practice & Remedies Code §33.001 NET RECOVERY FORMULA Gross Settlement − Attorney Fee (typically 33%) = Net to You Texas personal injury attorneys work on contingency — no fee unless you win. Calculate your personal estimate free at texasinjurycalculator.com Free • Instant • No sign-up required

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