TX · Accidents & Injuries

Accidents & Injuries in Texas

By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026

Key Texas Law

Texas Civil Practice and Remedies Code Section 16.003

Texas imposes a two-year statute of limitations for personal injury claims arising from accidents. An injured party must generally file their lawsuit within two years of the date of the accident.

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Procedural Details in Texas

Modified Comparative Fault & Proportionate Responsibility

Texas follows modified comparative fault with a 51% bar under Texas Civil Practice and Remedies Code Section 33.001. A plaintiff who is more than 50% at fault is barred from recovery. Texas is a traditional tort (fault-based) auto insurance state and does not impose a general cap on compensatory damages in most personal injury cases. Texas also requires proportionate responsibility apportionment and allows "responsible third parties" to be designated, which can spread fault among multiple parties even if they are not named as defendants.

Government Claims Under the Texas Tort Claims Act

Government claims under the Texas Tort Claims Act (Tex. Civ. Prac. & Rem. Code § 101.101) require a notice of claim within six months of the accident for most government entities. The Tort Claims Act also caps damages against governmental units at $250,000 per person and $500,000 per occurrence for bodily injury, and $100,000 per occurrence for property damage. These caps and notice requirements make government accident claims substantially different from private-party claims.

Medical Malpractice Caps

Non-economic damages in medical malpractice cases are capped at $250,000 per defendant health care provider and $500,000 aggregate under Tex. Civ. Prac. & Rem. Code § 74.301. These caps apply only to non-economic damages — economic damages such as medical bills and lost wages remain uncapped.

Texas Agencies & Resources

Texas Department of Insurance

Regulates insurance companies in Texas and handles consumer complaints about auto and accident insurance coverage.

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Texas Department of Motor Vehicles

Manages Texas vehicle registration, titles, and motor vehicle-related services.

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State Bar of Texas — Lawyer Referral and Information Service

Provides referrals to Texas-licensed personal injury attorneys.

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Frequently Asked Questions

How long do I have to file a personal injury lawsuit in Texas?

Texas Civil Practice and Remedies Code Section 16.003 provides a two-year statute of limitations for personal injury claims. For claims against government entities, the Texas Tort Claims Act (Tex. Civ. Prac. & Rem. Code § 101.101) requires a notice of claim within six months of the accident. Missing the government notice deadline may permanently bar your claim even before the two-year period expires.

What is Texas's 51% modified comparative fault rule?

Under Texas Civil Practice and Remedies Code Section 33.001, Texas uses modified comparative fault with a 51% bar. If you are 50% or less at fault, you can recover damages reduced by your fault percentage. If you are found more than 50% at fault, you are completely barred from recovering any compensation from the other party. Texas also permits "responsible third parties" to be designated for fault allocation.

Is Texas a no-fault auto insurance state?

No. Texas is a traditional tort (fault-based) state. The at-fault driver's liability insurance is responsible for compensating injured parties. Texas does not require mandatory personal injury protection (PIP), though optional PIP coverage is available and must be offered by insurers.

Are there damage caps in Texas accident cases?

Texas does not cap compensatory damages in most personal injury accident cases. However, non-economic damages in medical malpractice cases against health care providers are capped at $250,000 per defendant and $500,000 total under Tex. Civ. Prac. & Rem. Code § 74.301. Government claims under the Texas Tort Claims Act are subject to recovery caps. Punitive damages in Texas are capped at twice economic damages plus up to $750,000 in non-economic damages.

What is the "responsible third party" doctrine in Texas accident cases?

Under Texas Civil Practice and Remedies Code Section 33.004, defendants in a personal injury lawsuit may designate "responsible third parties" — individuals or entities who may share fault for the accident but are not named as defendants. This could include employers, government entities, or other drivers. Once designated, the jury allocates fault percentages to all parties including responsible third parties. This mechanism can reduce a named defendant's share of liability, potentially leaving the plaintiff unable to collect a portion of the judgment if the responsible third party is judgment-proof or immune from suit.

How do Texas truck accident claims differ from regular auto accident cases?

Texas is one of the busiest trucking corridors in the country, and commercial truck accident claims often involve additional legal considerations beyond standard auto accidents. Federal Motor Carrier Safety Regulations (FMCSRs) impose specific duties on trucking companies regarding driver hours-of-service, maintenance, and hiring. Violations of these federal regulations may be used as evidence of negligence. Texas law also allows claims against the trucking company under respondeat superior and potentially under negligent hiring, training, or supervision theories. Given the severity of injuries typically involved, these cases frequently involve multiple defendants and large damage claims.

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By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026