Understanding the Value of Your Car Accident Case in Texas
Unlike a damaged vehicle, which has a clear market value, personal injury cases don’t come with a fixed price tag. No attorney can provide a precise settlement number at the outset, because every case is unique. The ultimate value depends on factors such as the severity of your injuries, how the accident occurred, the available documentation, and the impact on your daily life.
The Role of Insurance Coverage
One of the most significant factors limiting a personal injury settlement is the amount of available insurance coverage. In Texas, the minimum liability coverage for bodily injury is $30,000. If the at-fault driver only carries this minimum, that policy typically sets the maximum recovery from that driver’s insurer—even if your injuries are far more serious.
Most people do not have significant personal assets available to satisfy a claim beyond their insurance limits, as Texas law protects homesteads and personal property. This makes insurance coverage the primary ceiling for most settlements.
How Larger Policies Affect Your Case Value
If the at-fault driver has a larger insurance policy—such as $100,000 or more—your case’s value depends heavily on proving the full extent of your injuries and damages. This includes:
Medical bills for treatment received
Lost wages due to inability to work
Pain and suffering
Future medical needs or ongoing care
Additionally, if you carry underinsured motorist coverage, your own insurance may provide extra compensation when the at-fault driver’s policy is insufficient.
Why an Experienced Attorney Matters
Having an attorney with experience in Texas personal injury law can significantly impact your recovery. A skilled lawyer doesn’t just focus on proving fault—they investigate all possible sources of insurance coverage and document the full economic and non-economic impact of your injuries.
At The Kaufman Law Firm, we work to maximize your recovery by:
Reviewing all available insurance policies
Building a comprehensive picture of medical, financial, and personal damages
Ensuring that limited coverage doesn’t prevent you from receiving fair compensation
The goal is simple: you shouldn’t be left uncompensated simply because the at-fault driver has minimal coverage.
