How does fault affect my recovery in Texas?

Texas calls it proportionate responsibility. If you are found more than 50% responsible you recover nothing. At 50% or below, your damages are reduced by your share, so 30% responsibility on a $200,000 verdict yields $140,000.

What are the minimum insurance limits in Texas?

Texas requires 30/60/25 coverage: $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. Those are floors, not typical limits, and a serious injury claim commonly exceeds them, which is when underinsured motorist coverage on your own policy becomes the practical source of recovery.

Is Texas a no-fault state?

No. Texas is an at-fault state, so the driver responsible for a crash is responsible for the resulting damages. Personal injury protection is not required, but insurers must offer at least $2,500 of it and it is included in your policy unless you rejected it in writing, so many Texas drivers have PIP without realizing it.

Does my employer have to carry workers’ compensation in Texas?

No. Texas is the only state that lets private employers opt out. This matters a lot to the value of a workplace injury claim: if your employer subscribes, workers’ compensation is your exclusive remedy and pain and suffering is off the table, but if your employer is a non-subscriber you can sue directly and the employer loses its main negligence defenses.

Texas Personal Injury Case Value Calculator

Texas is a modified comparative negligence state, so a claimant more than 50% at fault recovers nothing. You have 2 years to file most injury claims, and far less against a government agency.

554,146

Crashes statewide, 2024

4,150

People killed, 2024

254

Counties

City pages published so far

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Texas is already selected, so the fault rule, no-fault status, and any applicable caps are applied to your answers.

Texas law

How Texas evaluates a claim

Fault and insurance

Comparative fault: Barred above 50% fault
Insurance system: At-fault with optional PIP
Minimum bodily injury liability: $30,000 / $60,000
Minimum property damage: $25,000

Not mandatory, but insurers must offer at least $2,500 in personal injury protection with every auto policy, and it is included unless the applicant rejects it in writing. PIP pays medical expenses and 80% of lost income regardless of fault. Tex. Ins. Code § 1952.152.

Filing deadlines

Personal injury: 2 years
Wrongful death: 2 years
Government claim: 6 months

Missing a deadline generally ends a claim regardless of merit. The government claim deadline is the one most often missed, because it is measured in months or days rather than years.

Medical malpractice non-economic damages, per claimant against physicians and individual providers

$250,000

A separate $250,000 limit applies per health care institution, capped at $500,000 across all institutions, so a claim involving a physician plus two facilities can reach $750,000 in non-economic damages. Economic damages are not capped. Tex. Civ. Prac. & Rem. Code § 74.301.

Exemplary (punitive) damages

No fixed cap

Limited to the greater of $200,000, or twice economic damages plus non-economic damages up to $750,000. Tex. Civ. Prac. & Rem. Code § 41.008.

Claims against governmental units under the Tort Claims Act

$250,000

$250,000 per person and $500,000 per occurrence for most state agencies, with lower limits for municipalities and other local units. Tex. Civ. Prac. & Rem. Code § 101.023.

Reviewed 2026-07-29. Not yet reviewed by a licensed attorney. General information, not legal advice.

By location

Case evaluations by Texas city

These are the Texas cities where we have published local crash data, the agencies that hold crash reports, and the courts that hear civil claims. We add a city only once that data is in place.

HoustonHarris County · 2,390,125 residents LaredoWebb County · 261,260 residents DentonDenton County · 165,998 residents PasadenaHarris County · 149,617 residents Missouri CityFort Bend County · 78,582 residents

Major Texas cities

Ordered by population from the U.S. Census Bureau's 2024 estimates. Cities without a link do not yet have a published page.

HoustonSan AntonioDallasFort WorthAustinEl PasoArlingtonCorpus ChristiPlanoLubbockLaredoIrving

Texas counties

Most local crash data is published by county rather than by city, so county is how a city page is matched to its crash figures.

Harris CountyDallas CountyTarrant CountyBexar CountyTravis CountyCollin CountyDenton CountyFort Bend CountyHidalgo CountyEl Paso CountyMontgomery CountyWilliamson CountyCameron CountyBrazoria CountyBell CountyGalveston CountyNueces CountyLubbock CountyHays CountyWebb CountyMcLennan CountyJefferson CountyBrazos CountySmith Countyand 230 more

Case types

Claims we evaluate in Texas

Auto accidentCar, truck, motorcycle, rideshare, or pedestrian collisions.Personal injurySlip & fall, premises liability, dog bites, and more.Medical malpracticeMisdiagnosis, surgical errors, birth injuries, medication errors.Workplace injuryOn-the-job accidents or denied workers' comp claims.Product liabilityDefective products, recalls, dangerous drugs.Wrongful deathCompassionate help when a loved one was lost.

Transparency

Sources and review dates

Tex. Civ. Prac. & Rem. Code § 16.003 — Two-year limitations period · reviewed 2026-07-29
Tex. Civ. Prac. & Rem. Code Ch. 33 — Proportionate responsibility · reviewed 2026-07-29
Tex. Civ. Prac. & Rem. Code § 101.101 — Tort Claims Act notice · reviewed 2026-07-29
Tex. Transp. Code § 601.072 — Minimum financial responsibility amounts · reviewed 2026-07-29
Texas Department of Insurance — Auto insurance guide · reviewed 2026-07-29

Source: TxDOT 2024 Crash Statistics, Table 13 — Crashes and Injuries by County. Reviewed 2026-07-29.

Any estimate produced by the calculator on this page is illustrative and is not a prediction or a guarantee. We publish no attorney profiles or rankings, and nothing here recommends or endorses any attorney. See our methodology for how the calculation works and what it cannot account for.

Texas questions

Common Texas questions

Two years from the date of injury for personal injury and wrongful death, under Tex. Civ. Prac. & Rem. Code § 16.003. Claims against a government entity are far more urgent: the Tort Claims Act requires notice within six months, and cities are permitted to shorten that by charter, with some requiring notice in as little as 45 days.

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