How Much Is My Personal Injury Case Worth?

Unlike a damaged car, which has a set market value, a personal injury case does not have a fixed number. No attorney can give you a definite dollar amount at the beginning of your case. Instead, the value depends on many factors—such as the nature and severity of your injuries, how the accident occurred, the available documentation, and the impact the injury has had on your life.

Unfortunately, the biggest limiting factor in most cases is the amount of available insurance coverage. In Texas, for example, the minimum liability insurance required for bodily injury is $30,000. If the at-fault driver only carries this minimum policy, then $30,000 is the maximum recovery available from their insurance—regardless of how severe your injuries are. Unless the at-fault driver has significant personal assets (which is rare, and often protected by homestead and personal property exemptions), the insurance policy usually sets the ceiling for recovery.

On the other hand, if the at-fault driver has a larger policy—say $100,000 or more—then the value of your case depends far more on proving the extent of your injuries and damages, such as medical bills, pain and suffering, lost wages, and future expenses. In addition, if you carry underinsured motorist coverage, your own policy may provide additional compensation when the other driver’s coverage is not enough.

This is why having an experienced attorney is so important. At The Kaufman Law Firm, we don’t just prove liability—we also investigate every possible source of insurance coverage and build the full economic picture of your damages. Our goal is to maximize your recovery and ensure that you are not left uncompensated simply because of limited coverage.