TX · State Playbook
What the law in Texas says about your case — deadlines, fault rules, and what you can actually recover. Built from primary statutes and AskMatlock research.
Statute of limitations
2 years
Two years from the date of the accident (CPRC § 16.003).
Fault rule
Modified comparative negligence — 51% bar rule
Modified comparative negligence — 51% bar rule. If you are more than 50% at fault, recovery is barred.
Diminished value posture
Third-party diminished value allowedDiminished value claims recognized against the at-fault driver's insurer.
Texas Stowers doctrine (Stowers Furniture v. American Indemnity, 1929) creates strong bad-faith leverage for inadequate liability limits.
Open Property Damage Toolkit →Modified comparative negligence (51% bar).
Two-year statute of limitations.
Stowers doctrine creates strong leverage on policy-limits demands.
Tex. Penal Code § 38.12 (expanded 2025 to cover electronic communications) prohibits compensated lawyer-client solicitation.
Per the AskMatlock $15B research, Texas accounts for ~$1.8B of the 5-year unrepresented serious-injury gap.
Every fact in this playbook is sourced from primary statutes, bar opinions, or peer-reviewed research. We do not invent numbers. This is not legal advice; state law changes frequently and case-specific facts matter — when your case warrants it, the Bodily Injury Claim tool lets you browse verified attorneys in Texas and pick.
