Texas Motor Vehicle Accident Settlement Calculator

The statute of limitations for this type of claim in Texas is 2 years — in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Importantly, Texas recognizes a discovery rule, which can extend the filing window in cases where the harm was not immediately apparent.

Drivers in Texas must carry at least 30/60/25 in liability coverage — that’s $30K bodily injury per person, $60K per accident, and $25K property damage. While this meets the state minimum, a single ER visit can easily exceed these limits. The at-fault driver’s policy may not fully cover your losses in a serious accident.

Claims against government entities in Texas — such as accidents involving government vehicles, city buses, or dangerous road conditions maintained by a municipality — require a formal notice of claim within 180 days. This compressed timeline catches many accident victims off guard. If a government entity may be at fault, consulting an attorney immediately is critical to preserving your right to compensation.