Texas Injury Settlement Calculator
Estimate your accident settlement with the multiplier and per diem methods. Medical bills, lost wages, fault, policy limits, attorney fees — net to you in seconds.
What Happened?
Economic Damages
Documented out-of-pocket losses
Injury Details
Drives your multiplier (1.5–10)
Case Factors
Fault, limits, and fees
Leave 0 if unknown — no cap applied.
Estimated Net to Client
TexasLOW
$0
ESTIMATE
$0
HIGH
$0
How It Breaks Down
Multiplier vs. Per Diem
Two common adjuster methods, side by side
Multiplier method (net)
—
Per diem method (net)
—
$150/day × 180 days
Adjust recovery days in the Injury Details section to compare methods.
Net Estimate by Severity
Same inputs, changing only injury severity
How It Was Calculated
Texas — Injury Law at a Glance
Statute of Limitations
2 yrs
to file most PI claims
Negligence Rule
Modified · 51% Bar
Barred only when fault exceeds 50%
Damage Caps
Med-mal non-economic cap $250K
Educational estimate only. Not legal advice. Results are labeled "Estimate," never "Value" — actual settlements depend on liability, evidence, available insurance, the attorney, and your state's case law. Consult a licensed attorney in your state.
Statutes of Limitations & Negligence Rules
All 50 states + D.C. — how long you have to file and how fault affects recovery.
| State | SOL (yrs) | Negligence Rule |
|---|---|---|
| Alabama | 2 | Pure Contributory |
| Alaska | 2 | Pure Comparative |
| Arizona | 2 | Pure Comparative |
| Arkansas | 3 | Modified · 50% Bar |
| California | 2 | Pure Comparative |
| Colorado | 2 | Modified · 50% Bar |
| Connecticut | 2 | Modified · 51% Bar |
| Delaware | 2 | Modified · 51% Bar |
| Washington D.C. | 3 | Pure Contributory |
| Florida | 2 | Modified · 51% Bar |
| Georgia | 2 | Modified · 50% Bar |
| Hawaii | 2 | Modified · 51% Bar |
| Idaho | 2 | Modified · 51% Bar |
| Illinois | 2 | Modified · 51% Bar |
| Indiana | 2 | Modified · 51% Bar |
| Iowa | 2 | Modified · 51% Bar |
| Kansas | 2 | Modified · 51% Bar |
| Kentucky | 1 | Pure Comparative |
| Louisiana | 1 | Pure Comparative |
| Maine | 6 | Modified · 50% Bar |
| Maryland | 3 | Pure Contributory |
| Massachusetts | 3 | Modified · 51% Bar |
| Michigan | 3 | Modified · 51% Bar |
| Minnesota | 6 | Modified · 51% Bar |
| Mississippi | 3 | Pure Comparative |
| Missouri | 5 | Pure Comparative |
| Montana | 3 | Modified · 51% Bar |
| Nebraska | 4 | Modified · 51% Bar |
| Nevada | 2 | Modified · 51% Bar |
| New Hampshire | 3 | Modified · 51% Bar |
| New Jersey | 2 | Modified · 51% Bar |
| New Mexico | 3 | Pure Comparative |
| New York | 3 | Pure Comparative |
| North Carolina | 3 | Pure Contributory |
| North Dakota | 6 | Modified · 50% Bar |
| Ohio | 2 | Modified · 51% Bar |
| Oklahoma | 2 | Modified · 51% Bar |
| Oregon | 2 | Modified · 51% Bar |
| Pennsylvania | 2 | Modified · 51% Bar |
| Rhode Island | 3 | Pure Comparative |
| South Carolina | 3 | Modified · 51% Bar |
| South Dakota | 3 | Pure Comparative |
| Tennessee | 1 | Modified · 51% Bar |
| Texas | 2 | Modified · 51% Bar |
| Utah | 3 | Modified · 50% Bar |
| Vermont | 3 | Modified · 51% Bar |
| Virginia | 2 | Pure Contributory |
| Washington | 3 | Modified · 51% Bar |
| West Virginia | 2 | Modified · 51% Bar |
| Wisconsin | 3 | Modified · 51% Bar |
| Wyoming | 4 | Modified · 50% Bar |
Want the full picture on your phone?
The Injury Settlement Estimator app adds at-scene documentation, saved cases, the per-diem unlock, a negotiation guide, and PDF export — 100% private, no account.
How Injury Settlements Work in Texas
Texas is a modified · 51% bar negligence state — barred only when fault exceeds 50%. You generally have 2 years to file a personal injury claim.
How the value is built: insurers add your medical bills, lost wages, property damage, and out-of-pocket costs (economic damages), then add pain and suffering — usually your medical bills × a severity multiplier of 1.5 to 10. The fault rule above then reduces or eliminates the total.
Note: Med-mal non-economic cap $250K.
Use the estimator above with your real numbers to see a low / estimated / high net-to-client range across the multiplier and per diem methods.
The Multiplier Method
The multiplier method is what most insurance adjusters use. First, total your economic damages: every medical bill, every dollar of lost income, property repair, and any other out-of-pocket cost tied to the accident. Then multiply your medical specials by a number — the severity multiplier — that runs roughly 1.5 for minor injuries to 10 for catastrophic ones.
Permanent impairment and scarring push the multiplier higher (doc.md: +0.5 for a partial permanent injury, +1.0 for total; +0.25 for minor scarring, +0.5 for major). The product is your pain-and-suffering estimate; added to economic damages it gives a gross settlement.
The Per Diem Method
The per diem ("per day") method assigns a daily rate — commonly around $150 — to every day you suffered from the injury until you reached maximum medical improvement. Per diem × recovery days gives an alternative pain-and-suffering figure. This site shows both side by side so you can see which produces a higher number for your situation.
Fault Matters More Than You Think
Your share of fault can swing the number dramatically. In pure comparative states you recover reduced only by your exact percentage. In modified comparative states you are barred once your fault reaches 50–51%. In contributory negligence states (Alabama, Maryland, North Carolina, Virginia, and D.C.) any share of fault can wipe out your recovery entirely — so even 10% fault can mean zero.
Assumptions and Limitations
Results are educational estimates, not legal advice or a promise of what an insurer will pay. Real offers depend on liability disputes, the strength of your evidence, available insurance (a policy limit can cap everything), the attorney you hire, and the specific facts of your case. Damage caps — especially in medical malpractice — can lower non-economic awards below the multiplier result. Always confirm your state's current statute of limitations and rules with a licensed attorney.