Texas Personal Injury Settlement Calculator
Estimated Settlement & Recovery
Non-Economic Damages: $0.00
Why Settlement Estimation Matters
Insurance companies don’t want to pay more than they have to.
Attorneys may throw around big numbers, but those can be inflated.
A calculator gives you clarity. It helps you understand the value of:
- Medical bills (past and future)
- Lost wages
- Property damage
- Pain and suffering
- Fault percentages
- Attorney fees
- Insurance limits
Knowing these factors puts you in control of your case, whether you’re handling it yourself or working with a lawyer.
How the Texas Injury Settlement Calculator Works
Here’s how this tool breaks things down—no legal jargon, no confusion.
1. Input Your Basic Case Details
The calculator asks for straightforward inputs:
- Medical expenses – Total cost of your treatment.
- Lost wages – What you missed in earnings.
- Property damage – Vehicle repairs or other losses.
- Injury severity – Chosen from three levels:
- Minor (1.5x multiplier)
- Moderate (3.0x)
- Severe (4.5x)
These help calculate economic and non-economic damages.
2. Adjust for Fault
Texas uses a modified comparative fault rule (aka the 51% bar rule):
If you’re 51% or more at fault, you get nothing.
If you’re less than 51% at fault, your settlement is reduced by that percentage.
For example, if your damages are $100,000 and you’re 20% at fault, you’ll only receive $80,000.
The calculator applies this rule automatically—no guesswork needed.
3. Account for Insurance Policy Limits
Let’s say the at-fault driver only has $50,000 in liability coverage.
Even if your damages are $100,000, the max you can collect is $50,000—unless there are other sources of recovery.
The tool shows you this cap clearly.
4. Subtract Attorney Fees and Case Costs
You can choose from three options:
- 33.3% (Standard before litigation)
- 40% (If your case goes to court)
- 0% (If you’re handling the case yourself)
You can also enter case costs and medical liens to get your net recovery—the actual amount that ends up in your pocket.
Example: What a $100K Case Might Look Like
| Category | Amount |
|---|---|
| Medical Bills | $20,000 |
| Lost Wages | $10,000 |
| Property Damage | $5,000 |
| Pain & Suffering (3x multiplier) | $90,000 |
| Total Damages | $125,000 |
| Your Fault (20%) | -$25,000 |
| Adjusted Total | $100,000 |
| Attorney Fee (33.3%) | -$33,300 |
| Case Costs | -$2,000 |
| Estimated Net Recovery | $64,700 |
This is the kind of clarity the calculator provides in under a minute.
Texas-Specific Rules the Calculator Follows
To make sure you get a Texas-accurate estimate, this tool follows state-specific personal injury laws, including:
- Comparative fault (you must be ≤50% at fault)
- Policy limits affecting settlement caps
- Standard attorney fee structures
- Multiplier method for calculating non-economic damages (like pain and suffering)
Is the Calculator Accurate?
It’s an estimator, not a legal ruling. But it’s designed to reflect how real-world settlements are calculated in Texas. It won’t replace a lawyer, but it will:
- Give you a realistic number
- Help you decide if a lawyer’s offer is fair
- Empower you to negotiate or take the next step confidently
Try It Now
Using the Texas Personal Injury Settlement Calculator is simple:
- Enter your numbers
- Select your injury level
- Choose your legal fee setup
- Click Calculate Estimate
You’ll get a full breakdown of your damages, legal deductions, and net payout.