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Average Car Accident Settlement in Texas

If you have been injured in a car accident in Texas that was caused by another driver’s negligence, you may be eligible to file an insurance claim and receive compensation. But how much can you expect to receive from an average car accident settlement in Texas? Read on to learn more about average payouts and what impacts your potential settlement amount.

What Factors Determine Settlement Amounts?

There are a number of key factors that influence the average amount of compensation received from a car accident injury settlement. These include:

  • Type and severity of injuries sustained
  • Type of accident and details of how it occurred
  • Insurance coverage limits of both parties and types of insurance policies
  • Lost income and impact on ability to work
  • Out-of-pocket medical expenses and estimated future costs
  • Pain and suffering
  • Property damage amount
  • Attorney representation

Settlement offers take all of these factors into account when determining a fair payout amount to compensate the injured party. More severe crashes that result in catastrophic injuries, large medical bills, and lost wages will warrant much higher settlements than minor fender benders with minimal damage and injury.

Average Settlement Amounts in Texas

According to the Insurance Information Institute, the average car accident settlement for claims with bodily injury in 2022 was $22,734 in Texas, higher than the national average of $19,691 in 2021. Claims for property damage alone averaged $5,314 in 2022.

However, keep in mind these average payouts encompass all types and severities of crashes. Settlement amounts can range drastically depending on specific details. Some key statistics on average settlements based on injury severity include:

Minor Injuries

For minor injuries that require minimal medical treatment, the average settlement may be around $20,000.00 in Texas. Minor injuries include cuts and bruises, sprains and strains, mild concussions, and soft tissue injuries. These typically heal within a few weeks.

Moderate Injuries

More serious injuries that require surgery or extended medical treatment will warrant much higher average settlements. For moderate injuries like broken bones, herniated discs, knee injuries requiring surgery, etc., average settlements may be around $45,596 in Texas.

Severe or Catastrophic Injuries

For severe, life-altering injuries like amputations, spinal cord injuries, traumatic brain injuries, or fatalities, average settlements can be well over one million dollars. The average for severe injury claims is around $1,167,808 in Texas. The highest settlements often are for cases involving paralysis or severe brain damage.

Factors That Increase Settlement Amounts

Certain types of accidents and injuries tend to result in higher insurance payouts. Some factors that can lead to above-average settlements include:

  • Drunk driving accidents – Accidents caused by an impaired driver often lead to higher settlements due to the wanton disregard for safety. Punitive damages may also be warranted to punish the drunk driver’s behavior.
  • Commercial vehicle crashes – Large trucks, 18-wheelers, and other commercial vehicles require higher insurance minimums than passenger cars. Injured parties can claim against the at-fault driver’s policy limit.
  • Motorcycle accidents – Motorcycle riders lack the protection of an enclosed vehicle, so injuries are often catastrophic. Average motorcycle settlements exceed settlements for passengers in enclosed vehicles.
  • Uninsured/underinsured motorist claims – Injured parties can make a claim against their own UM/UIM policy if the at-fault driver’s liability limits are inadequate to cover damages. This provides another avenue for compensation.
  • Permanent disability or disfigurement – Severe injuries that cause life-long challenges or permanent scarring typically result in well above-average settlements, especially if the injured party is young.
  • Lost future income – For injuries that impact one’s ability to work and earn the same income, future lost wages are calculated in the settlement. This significantly enhances the total payout.

Settlement Ranges by Accident Type

Looking at average payouts by type of accident also shows a wide range, depending on case specifics. Some general settlement ranges include:

Rear-End Collisions

For minor rear-end collisions, settlements may be just a few thousand dollars. But major rear-end crashes at high speeds can cause severe injuries and six-figure settlements. Overall, rear-end settlements range from $2,226 to over $10 million for the most catastrophic injuries and deaths. A typical rear-end settlement may be around $10,222.

Side-Impact Collisions

Being T-boned in an intersection or struck in the side while changing lanes can cause severe injuries due to the force of impact. Average settlements range from $2,500 for minor damage up to over $23 million for permanent disability or death. A moderate settlement may be around $23,500.

Head-On Collisions

Due to the high speeds and force involved, head-on collisions often result in permanent or fatal injuries. Average settlements for head-on crashes range from around $7,000 for minor injuries to over $3 million for catastrophic injuries or wrongful death. A typical settlement may be around $136,422.

Choosing the Right Texas Car Accident Lawyer

Because settlement amounts can vary so drastically, having an experienced car accident attorney in Texas on your side is critical. An attorney thoroughly investigates liability and calculates current and future accident-related damages so you can make the best possible recovery. They handle negotiations with insurance companies to obtain a fair settlement. Consider the following when choosing the right lawyer:

  • Successful track record – Look for a proven history of securing strong financial settlements for clients.
  • Resources to handle complex cases – Serious injury cases may involve reconstructing the accident scene, combing through medical records, utilizing expert witnesses, and more. Choose a law firm with ample resources.
  • Specialization – Opt for an attorney focused specifically on car accident and personal injury law, not a general practice attorney.
  • Contingency fees – Most reputable personal injury firms work on contingency, not charging any upfront fees and only taking a percentage of your settlement. This means you pay nothing if you receive no settlement.

Don’t Delay – Contact an Attorney Today

Don’t leave compensation for your car accident injuries to chance. Contact an experienced Texas car accident lawyer for a free consultation and case review. An attorney can discuss the factors unique to your case to determine what a fair settlement may be. They will deal with the insurance company negotiations while you focus on healing. Don’t wait to get the strong legal representation you deserve.

Contact Karns & Karns Personal Injury and Accident Attorneys today at (800) 4-THEWIN. Consultations are always free, and we work on a contingency basis, with nothing to pay unless you win.