Ran off the road accident — How much is my case worth?
If you ran off the road in an accident in Texas or were injured when another driver ran off the road, 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 crash, if another driver was involved.
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 baseline protection. But if the driver has $100,000, $150,000, $300,000, or a commercial policy exceeding $1,000,000, your potential recovery could be much higher. Your own insurance may also provide coverage through underinsured motorist or personal injury protection policies, which can further increase compensation.
INSURANCE COVERAGE ALONE DOESN’T DETERMINE CASE VALUE
Being involved in a run-off-the-road accident does not automatically ensure fair compensation. Insurance companies often undervalue these claims because they assume some injuries are minor or temporary. But run-off-the-road accidents can cause severe injuries, long-term pain, missed work, and lasting physical or emotional impairments.
You need an attorney who understands how to document injuries and prove their full 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 run-off-the-road accident:
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 properly document your injuries. They also know how to leverage the threat of litigation to pressure insurance companies into offering fair compensation. If your claim is undervalued, your attorney can file a lawsuit to access full coverage and use additional sources of insurance.
Even with clear injuries, insurance companies often undervalue claims from run-off-the-road accidents. Attorney representation ensures you receive the maximum possible settlement, and fees are typically a small percentage of your total recovery.
WHY LEGAL EXPERTISE MATTERS
Run-off-the-road accidents can result in serious injuries that impact 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 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 run-off-the-road accidents 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.
