What is a car accident claim worth in Texas?
Every rule below is quoted from Texas law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Texas, and the Texas rules that raise or lower what you collect. $17,053 was the average injury claim paid in Texas in the year ending June 2024.
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Averages come from Texas Department of Insurance, Analysis of Statewide Claim Costs, year ending June 2024. State rules are quoted from Texas law on this site, each with a link.
What claims paid in Texas
Injury claims in Texas averaged $17,053 each in the year ending June 2024.
Car and property damage claims averaged $5,979.
| Injury claim paid by the at fault driver's insurance | $17,053 |
|---|---|
| Car and property damage | $5,979 |
| Personal injury protection, paid by your own policy | $3,028 |
| Injury claim against your own uninsured motorist coverage | $22,559 |
| Car damage against your own uninsured motorist coverage | $5,201 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Texas
If you were partly at fault
Texas uses modified comparative fault, called proportionate responsibility. You cannot recover any money if your own share of fault is greater than 50 percent.
“a claimant may not recover damages if his percentage of responsibility is greater than 50 percent”
The other driver's policy limit is the ceiling
Texas drivers must carry at least $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage.
“Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.”
If the other driver has no insurance
Texas insurers must offer uninsured and underinsured motorist coverage on every policy. You do not have to buy it, but you must decline it in writing or you get it automatically.
“Insurance companies must offer you this coverage. If you don't want it, you must tell the company in writing.”
The deadline that ends the claim
You have 2 years from the crash to sue over your injuries.
“a person must bring suit for trespass for injury to the estate or to the property of another, conversion of personal property, taking or detaining the personal property of another, personal injury, forcible entry and detainer, and forcible detainer not later than two years after the day the cause of action accrues”
What a lawyer takes if you hire one
Texas has no dollar or percentage cap on personal injury contingency fees. The fee has to be reasonable, and the contingent fee agreement must be in writing.
“A contingent fee agreement shall be in writing and shall state the method by which the fee is to be determined.”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.