Highway merge crash — How much is my case worth?
If you were involved in a highway merge crash in Texas, your case may be worth a significant amount—but it depends on several key factors. The largest factor in determining your claim’s value is the available insurance coverage. Texas is an at-fault state, which means you generally need to pursue the insurance of the driver responsible for causing the accident.
However, it’s not always clear how much insurance the at-fault driver carries. Texas law requires a minimum liability coverage of $30,000, providing a baseline level of protection. But if the at-fault driver has $100,000, $150,000, $300,000, or even a commercial policy exceeding $1,000,000, your total potential recovery could be much higher. Your own insurance may also offer coverage through underinsured motorist or personal injury protection policies, which can further increase compensation.
INSURANCE COVERAGE ALONE DOESN’T DETERMINE CASE VALUE
A highway merge crash can result in serious injuries, and having insurance coverage does not automatically ensure you will receive fair compensation. Insurance companies often undervalue claims because they assume some injuries are minor or short-term. But these types of crashes can cause severe complications, extended recovery periods, missed work, and long-term pain or impairment.
You need an attorney who understands how to document your injuries and demonstrate their impact. Simply requesting a settlement from the insurance company is rarely enough—they often offer a low amount, hoping you accept it.
TYPES OF DAMAGES YOU CAN RECOVER
Under Texas law, you may be entitled to compensation for multiple categories of damages after a highway merge crash:
Past medical bills
Future medical bills
Past pain and suffering
Future pain and suffering
Past mental anguish
Future mental anguish
Past physical impairment
Future physical impairment
Past physical disfigurement
Future physical disfigurement
Past lost wages
Future loss of earning capacity
HOW AN ATTORNEY CAN MAXIMIZE YOUR CASE
An experienced personal injury lawyer knows how to gather evidence, obtain expert testimony, and document injuries properly. They also know how to leverage the threat of a lawsuit to pressure insurance companies into offering fair compensation. If your claim is undervalued, your attorney can file a lawsuit to access full coverage and utilize additional sources of insurance.
Even when injuries are clear, insurance companies often undervalue claims from highway merge crashes. Attorney representation ensures you receive the maximum possible settlement, and fees are typically a small percentage of your total recovery.
WHY LEGAL EXPERTISE MATTERS
Highway merge crashes can cause serious injuries that affect your ability to work, exercise, and complete daily activities. Without proper documentation and experienced legal guidance, your settlement may not reflect the full scope of your losses. A personal injury attorney ensures your treatment is correctly linked to the accident, your damages are fully calculated, and you recover every dollar you are entitled to.
Your case is only worth as much as you can prove, and highway merge crashes in Texas can result in significant compensation when properly pursued. That is why speaking with an experienced attorney is essential—they help you get the true value of your case.
