What Is My Car Accident Case Worth? Factors That Affect Your Settlement

Car Accidents · Liz Valdez Garza · 2026-10-30

"How much is my case worth?" is one of the first questions people ask after a crash. The honest answer is that every case is different — and anyone who promises a number on the first call isn't being straight with you. What we can explain is what drives the value of a claim.

Economic damages: the costs you can add up

These are the financial losses caused by the accident:

• Medical expenses — ambulance, ER, doctors, therapy, prescriptions and future care
• Lost wages — time missed from work, and lost earning ability if you can't return to the same job
• Property damage — vehicle repair or replacement and damaged personal items
• Other out-of-pocket costs — mileage to appointments, medical equipment, help at home

Texas law generally limits recovery of medical expenses to the amounts actually paid or incurred, not just the amount billed. That's one reason good records matter.

Non-economic damages: the human cost

These are harder to put a number on, but they are real:

• Physical pain
• Mental anguish and emotional distress
• Physical impairment — not being able to do things you used to do
• Disfigurement and scarring

Factors that raise or lower a claim's value

• Severity and permanence of injuries. Fractures, surgeries and long-term limitations increase value.
• Consistent medical treatment. Gaps in treatment give insurers room to argue you weren't really hurt.
• Clear liability. Strong evidence of the other driver's fault makes a claim stronger.
• Your share of fault. Under Texas law, your recovery is reduced by your percentage of fault — and barred if you're more than 50% responsible.
• Available insurance. Texas minimum liability coverage is $30,000 per person. Your own uninsured/underinsured motorist coverage can make a big difference when the other driver carries only the minimum.
• Evidence. Photos, witnesses, video and medical documentation all matter.

Why early offers are usually low

Insurance companies often make quick offers before you know the full extent of your injuries. Accepting usually means signing a release that ends your claim — even if you later need surgery. It's generally wise to understand your full medical picture before settling.

Get an honest evaluation

A free consultation can help you understand what damages may apply in your case and what steps will strengthen it.

If you were hurt and have questions, Attorney Liz Valdez Garza can help. Call 866-LA-LEONA for a free consultation, or use the case review form on this page. Hablamos español.

Frequently Asked Questions

Is there a formula for pain and suffering?

No. Texas doesn't use a set formula. Pain and suffering is evaluated based on the facts — the injuries, treatment, recovery and how your life has been affected.

Should I settle before I finish treatment?

It's usually risky. Once you settle, you generally can't reopen the claim, even if your injuries turn out to be worse than expected.

Valdez Garza Law Firm, P.C. · 1105 East 6th Street, Brownsville, TX 78520 · 866-LA-LEONA (866) 525-3662