What Is the Average Settlement for a Car Accident in Texas?
And How to Maximize What You’re Paid
If You Were in a Car Accident, This Is What You Need to Know
Most people only deal with one major accident in their lifetime — which means they’re left guessing what their claim is really worth. Insurance companies take full advantage of that.
Here’s the truth: there’s no universal “average” settlement, but if you understand the factors that affect your case and work with the right legal team, you’ll likely walk away with 2-5x more than the average person who tries to go it alone.
What’s the Average Car Accident Settlement in Texas?
Settlements vary widely, but here’s a general range based on real-world results:
| Type of Injury | Typical Range |
|---|---|
| Minor soft tissue injuries | $10,000 – $25,000 |
| Broken bones | $25,000 – $75,000 |
| Spinal injuries | $75,000 – $200,000+ |
| Brain injuries or paralysis | $250,000 – $1M+ |
| Wrongful death | $500,000 – $2M+ |
These numbers aren’t guarantees — but they reflect what victims are actually getting when their claims are properly built and negotiated.
What Affects the Value of Your Car Accident Case?
Insurance companies aren’t in the business of fairness — they’re in the business of saving money. Here’s what they look at when deciding what to offer you:
1. Medical Expenses
The more serious the injury, the higher your medical bills — and that usually means a larger settlement. But documentation matters. If it’s not in writing, it “didn’t happen” in the insurance company’s eyes.
2. Lost Wages
If you missed time from work — or can’t return to the same job — you can claim current and future income loss. That adds significant value to your case.
3. Pain and Suffering
This includes physical pain, emotional trauma, and long-term quality of life changes. There’s no clear formula — which is exactly why you need a lawyer who can fight for every dollar.
4. Clear Liability
If the other driver was obviously at fault (e.g. rear-end crash, drunk driving), your chances of a higher payout increase. But disputed liability can drop offers fast.
How to Maximize Your Settlement
Here’s what we tell every client at Jerry Guerra Law:
✅ Don’t talk to the insurance company alone. Their only job is to reduce your payout. Let us handle it.
✅ Document everything. Photos, bills, police reports, pain journals — it all adds up.
✅ Get medical care ASAP. Delays in treatment can hurt your case.
✅ Work with a lawyer who knows Texas accident law. We know how to push for the real value of your case.
Ready to Find Out What Your Case Is Worth?
If you’ve been in an accident, don’t settle for guesswork — and don’t take the first lowball offer the insurance company sends you.
📞 Call Jerry Guerra Law or
💬 Request Your Free Case Review
We help car accident victims across South Texas get the compensation they deserve. No stress, no surprises — just serious representation that gets results.