The multiplier method with Texas's actual rules applied: modified comparative, 51% bar, a 2-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
You recover as long as your share of responsibility is 50% or less. Your award is reduced by your percentage. At 51% or more, recovery is barred. (Tex. Civ. Prac. & Rem. Code §33.001)
2 years from the injury (Tex. Civ. Prac. & Rem. Code §16.003). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state. PIP is optional. Insurers must offer $2,500 of PIP, which you can reject in writing. (Tex. Ins. Code §1952.152)
Minimum liability coverage: 30/60/25, meaning $30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. (Tex. Transp. Code §601.072) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Texas juries never hear about the §41.008 cap, but it binds anyway, and with the hard $250,000 med-mal non-economic cap, catastrophic-case ceilings are lower here than in most peer states. Ordinary car-accident compensatory damages, though, remain fully uncapped.
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Texas's fault rule is applied: You recover as long as your share of responsibility is 50% or less. Your award is reduced by your percentage. At 51% or more, recovery is barred. The calculator on this page runs exactly that math and prints every line.
2 years from the injury (Tex. Civ. Prac. & Rem. Code §16.003). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
At-fault state. PIP is optional. Insurers must offer $2,500 of PIP, which you can reject in writing.
Compensatory damages: No cap in ordinary injury cases. Economic and non-economic damages are uncapped. Punitive (exemplary) damages: Capped at the greater of $200,000, or two times economic damages plus non-economic damages up to $750,000. Medical malpractice: Non-economic damages capped at $250,000 per claimant against all physicians/providers.