The average payout for a head-on collision in Texas is $75,000 to $250,000. However, severe cases involving catastrophic injuries or fatalities can result in settlements of $1 million or more.
The payout amount will depend on many factors:
- Severity of injuries sustained
- Medical expenses (current and future)
- Lost wages and earning capacity
- Property damage
- Liability determination
- Insurance policy limits
- Pain and suffering impact
- Quality of legal representation
At Keith & Lorfing, we’ve secured significant settlements for our West Texas clients. Head-on collisions often result in substantial settlements due to their severity.
While each case is unique, our experienced legal team at Keith & Lorfing has a proven track record of securing fair compensation for our West Texas car accident clients injured in serious auto accidents. We understand the local courts, insurance companies, and have the expertise needed to maximize your recovery after a devastating head-on collision.
Involved in a head-on crash? Why you may need a head-on-collision Lawyer
Our experienced attorney will uncover hidden insurance policies and maximize your claim.
If you’ve been injured in a head-on collision in Texas, you must act quickly to protect your legal rights. Texas has a two-year statute of limitations for personal injury claims, meaning you have 24 months from the date of the accident to file a lawsuit.
Our team at Keith & Lorfing can provide personalized guidance based on your unique situation. We understand that every head-on collision case is different, with specific circumstances that influence your potential settlement amount.
Don’t go through your recovery alone. Our Abilene Car Accident Lawyer is ready to help you hold negligent drivers accountable and recover what you’re owed.
Maximizing your settlement: Factors that affect your average payout for a head-on collision in TX
Critical steps to maximize your compensation:
- Seek immediate medical attention, even for seemingly minor injuries
- Document everything related to the accident and your injuries
- Avoid giving recorded statements to insurance companies
- Preserve evidence from the crash scene
- Follow all treatment recommendations from healthcare providers
- Work with accident reconstruction experts when necessary
- Consult with our experienced West Texas personal injury attorneys
Typical damages you may be entitled to after a head-on crash
Head-on collision victims in Texas may be eligible for various types of compensation:
Economic damages
These are quantifiable financial losses with specific dollar amounts:
- Medical expenses (past and future)
- Lost wages and income
- Loss of earning capacity
- Property damage
- Rehabilitation costs
- Home modification expenses
- Transportation to medical appointments
- Household assistance
You may recover both economic and non-economic damages under Texas law.
Non-economic damages
These damages compensate for subjective, non-monetary losses:
- Physical pain and suffering
- Emotional and psychological trauma
- Loss of enjoyment of life
- Disfigurement and scarring
- Loss of consortium (impact on marital relationship)
- Permanent disability or impairment
Texas does not cap non-economic damages in most personal injury cases, though medical malpractice cases do have limits.
Punitive damages
In cases involving gross negligence or willful misconduct (like drunk driving or extreme recklessness), Texas courts may award punitive damages. These are designed to punish the wrongdoer and deter similar behavior.
Texas law caps punitive damages at the greater of:
- $200,000, or
- Two times the economic damages plus an amount equal to non-economic damages (up to $750,000)
Our Personal Injury Lawyer in Texas knows how to identify all possible sources of compensation to maximize your recovery after a devastating head-on collision.
The process for settling head-on collision claims in TX
Knowing the settlement process helps manage expectations and prepare for what lies ahead:
- Initial investigation: We gather police reports, witness statements, medical records, and accident scene evidence to build a strong foundation for your claim.
- Medical treatment completion: Reaching maximum medical improvement before settling provides a clearer picture of long-term needs and prevents undervaluing your claim.
- Demand preparation: Our team compiles comprehensive documentation of all damages and liability evidence, then submits it to the at-fault party’s insurance company.
- Negotiation phase: We leverage our experience and knowledge of West Texas courts to counter lowball offers from insurance adjusters.
- Litigation if necessary: If a fair settlement cannot be reached, we’re prepared to take your case to court, though most cases settle before trial.
- Settlement finalization: We review all paperwork carefully before finalizing any settlement to ensure your interests are fully protected.
Hypothetical scenario: Head-on collision settlement claims
Example: West Texas Highway Collision
Consider this hypothetical situation: A 42-year-old oilfield worker is driving home when a distracted driver crosses the center line, causing a head-on collision. The victim suffers multiple fractures requiring surgery and rehabilitation.
In this scenario, the settlement factors might include:
- Medical expenses: $165,000 in immediate care + projected future treatment
- Lost wages: 8 months of missed work
- Liability: The distracted driver is determined to be 100% at fault
- Insurance: The at-fault driver has policy limits of $250,000
A proper settlement in this type of case would need to account for:
- All medical expenses (past and future)
- Complete lost income compensation
- Pain and suffering
- Reduced future earning capacity
This simplified example illustrates why experienced legal representation is vital in head-on collision cases to identify all potential damages and compensation sources.
Even with clear liability, insurance caps can limit total recovery without legal intervention.
Our Head On Collision Lawyers Will Fight For The Compensation You Deserve
At Keith & Lorfing, we understand that a head-on collision can change your life in an instant. Medical bills pile up, pain becomes a daily struggle, and financial worries add to the stress of recovery.
Our West Texas attorneys have the experience, resources, and determination to fight for every dollar you deserve. We’ve recovered millions for our clients and aren’t afraid to take on insurance companies that try to minimize your suffering.
Contact us online or call us today at (325)-225-0953 for a free, no-obligation consultation about your head-on collision case.
FAQs
What makes head-on collision claims different from other accident cases?
Head-on collisions typically involve more severe injuries and complex liability issues. The direct impact forces often cause catastrophic injuries requiring extensive medical treatment and resulting in higher settlement values than side-impact or rear-end collisions.
Can I still recover damages if I was partially at fault for the collision?
Yes, under Texas’ modified comparative negligence rule, you can recover damages as long as you’re not more than 51% responsible. Your compensation will be reduced by your percentage of fault, which is why having skilled legal representation is essential.
How do insurance companies value pain and suffering in head-on collisions?
Insurance companies typically calculate pain and suffering using either a multiplier method (1-5 times your economic damages) or a per diem approach. Our attorneys fight for fair compensation that truly reflects the physical and emotional toll of your injuries.
What evidence is most valuable in maximizing my head-on collision settlement?
The strongest cases include thorough medical documentation, accident reconstruction reports, witness testimony, and clear evidence of the other driver’s negligence. Professional photos of injuries, damage, and the accident scene can significantly strengthen your claim.
Should I accept the insurance company's first settlement offer?
Initial settlement offers are almost always lower than what your case is worth. Before accepting any offer, consult with our experienced attorneys who will evaluate whether it fairly compensates you for all current and future damages related to your collision.
