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 — $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 — (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 — and 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.