How Much Is My Car Accident Case Worth in El Paso, Texas?

If you were injured in a car accident in El Paso, your case may be worth anywhere from $3,000 to $75,000 or more, depending on medical treatment, lost wages, and who was at fault. Minor soft tissue cases often settle under $15,000, while injuries requiring extended care may exceed $50,000. In Texas, your compensation is also affected by the 51% fault rule, which can reduce or eliminate recovery. Below is a clear breakdown of how car accident settlements are calculated and what impacts the value of your case.

The 5 Factors That Determine How Much Your Case Is Worth

Every personal injury case in Texas is different, but five primary factors determine settlement value:

1. Medical Expenses (Past and Future)

This includes:

  • Emergency room visits

  • Doctor appointments

  • Physical therapy

  • Diagnostic imaging (X-rays, MRIs)

  • Prescription medications

The higher your documented medical expenses, the stronger your compensation claim.

2. Lost Wages

If you missed work due to your injuries, you may recover:

  • Hourly wages

  • Salary income

  • Overtime

  • Lost earning capacity if injuries affect long-term work ability

3. Pain and Suffering

Texas law allows compensation for physical pain, emotional distress, and reduced quality of life. This amount varies significantly depending on injury severity and duration.

4. Property Damage

Vehicle repair or replacement costs are considered separately but still impact the overall claim evaluation.

5. Fault Under Texas’ 51% Rule

Texas follows a modified comparative negligence rule.

  • If you are 50% or less at fault, you can recover compensation.

  • If you are 51% or more at fault, you recover nothing.

Example:

If your damages total $40,000 and you are found 20% at fault, your recovery would be reduced to:

$40,000 – 20% = $32,000

Fault percentage directly affects settlement value.

Typical Settlement Ranges by Injury Type

While there is no guaranteed “average,” general ranges in Texas include:

  • Minor soft tissue injuries: $3,000–$15,000

  • Moderate injuries requiring therapy: $15,000–$50,000

  • Extended recovery cases: $50,000+

Insurance policy limits may also cap recovery amounts.

How Insurance Companies Try to Lower Your Settlement

Insurance adjusters are trained to minimize payouts. Common tactics include:

  1. Offering a quick, low settlement

  2. Blaming pre-existing conditions

  3. Claiming delayed medical treatment

  4. Shifting fault onto you

Initial offers are often significantly lower than what documented claims may justify.

How Long Do I Have to File a Claim?

In Texas, you generally have 2 years from the date of the accident to file a personal injury lawsuit. Missing this deadline can permanently bar recovery.

However, waiting too long can weaken your case because:

  • Evidence disappears

  • Witness memory fades

  • Insurance companies gain leverage

Why Work With a Local El Paso Personal Injury Attorney?

Local experience matters — especially for accidents occurring on I-10, Loop 375, US-54, Montana Avenue, Mesa Street, or Zaragoza Road.

Jaime Alvarado Law has:

  • Over 25 years serving the El Paso community

  • Experience handling local accident claims

  • Full bilingual representation (Spanish & English)

  • Free consultations

  • No fee unless we win

Clear communication and local knowledge can make a difference in how your case is handled.

Get a Free Case Evaluation

If you were injured in a car accident in El Paso, you may be entitled to compensation for medical bills, lost wages, and pain and suffering.

Before accepting any insurance offer, understand:

  • What your case may be worth

  • How fault affects compensation

  • What deadlines apply

Contact Jaime Alvarado Law at 915.852.0500 today for a free consultation.
No upfront fees. No obligation.