How Much is My Car Accident Case Worth in Prosper, Texas?
Unlike a damaged car, which has a set market value, a personal injury case does not have a fixed dollar amount. No attorney can give you a definitive figure at the beginning of your case. Instead, the value depends on several factors—such as the type and severity of your injuries, how the accident occurred, the available documentation, and the impact the injury has had on your daily life.
Insurance Coverage Often Sets the Ceiling
Unfortunately, the biggest limiting factor in most Texas car accident cases is available insurance coverage. For example, Texas law requires a minimum liability insurance of $30,000 for bodily injury per person. If the at-fault driver only carries the minimum policy, then $30,000 is the maximum recovery you could receive from their insurance—even if your injuries are severe.
Unless the at-fault driver has significant personal assets—which is uncommon and often protected by exemptions such as homestead protections—the insurance policy usually establishes the ceiling for recovery.
Larger Policies Increase Your Case Value Potential
If the at-fault driver carries a larger insurance policy—such as $100,000, $250,000, or even a commercial policy of $1,000,000 or more—then the value of your case depends much more on proving the extent of your injuries and damages. These damages may include:
Medical bills (past, current, and future treatment)
Pain and suffering
Lost wages
Loss of earning capacity
Emotional distress or reduced quality of life
In addition, if you carry underinsured motorist coverage on your own policy, you may be entitled to additional compensation when the other driver’s insurance is not enough.
Proving Your Damages is Key
Simply stating that you were injured is not enough. In order to recover maximum compensation, your damages must be documented and supported. This includes:
Medical records from your doctor, hospital, or specialist visits
Consistent treatment notes showing ongoing care and recovery
Doctor’s recommendations and prescribed therapies
Receipts for medical expenses, medications, or rehabilitation
Documentation of lost wages or reduced earning capacity
Insurance companies often dispute claims if there is inconsistent or incomplete documentation, so keeping thorough records and following your doctor’s recommendations consistently is critical. The more evidence you can provide, the stronger your case will be.
Why You Need an Experienced Prosper Car Accident Attorney
This is why working with a knowledgeable attorney is critical. At The Kaufman Law Firm, we don’t just prove liability—we carefully document every aspect of your damages, from medical treatment to lost income, and we investigate all potential sources of insurance coverage.
Our goal is to maximize your recovery and ensure that you are not left uncompensated simply because the at-fault driver’s insurance is limited. Every case is unique, and a skilled attorney can help you navigate complex insurance policies, calculate fair compensation, and advocate effectively on your behalf.
Call The Kaufman Law Firm today for a free consultation and learn how we can help you determine the true value of your Prosper car accident case.
