Litigation vs Settlement Calculator — Texas

In Texas, the math behind "should I take this offer?" turns on three numbers: Modified-51% — over 50% at fault and recovery is barred (Tex. Civ. Prac. & Rem. Code § 33.001), $250,000 per defendant + $500,000 aggregate against healthcare institutions (Tex. Civ. Prac. & Rem. Code § 74.301) — among the strictest in the country, and 33–40% sliding by case stage; mediation often court-ordered in district court. The calculator below applies those state-specific inputs to your case so the expected-value comparison is real, not generic.

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Texas — at a glance

  • Negligence rule: Modified-51% — over 50% at fault and recovery is barred (Tex. Civ. Prac. & Rem. Code § 33.001).
  • Med-mal cap: $250,000 per defendant + $500,000 aggregate against healthcare institutions (Tex. Civ. Prac. & Rem. Code § 74.301) — among the strictest in the country.
  • Contingency norms: 33–40% sliding by case stage; mediation often court-ordered in district court.
  • Court filing fees: Varies by county and court tier — district-court filing fees commonly $300–$400.
  • Texas reality: Texas's 2003 cap survives constitutional challenges — settlement leverage is limited because trial upside is statutorily compressed.

Important: This tool provides educational estimates only — not legal advice. Made For Law is not a law firm and is not affiliated with, endorsed by, or connected to any federal, state, county, or local government agency or court system. Calculator results are based on statutory formulas and publicly available fee schedules — not AI. Supporting content is AI-assisted and editorially reviewed. Results may not reflect recent legislative changes or your specific circumstances. Do not rely solely on these estimates — always verify with official sources and consult a licensed attorney before making legal or financial decisions. Full disclaimer

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The calculator below is pre-loaded with Texas (TX) rules. Your inputs stay in your browser — no account required.

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Key Takeaways for Texas

  • Comparative-fault rule shapes everything. Modified-51% — over 50% at fault and recovery is barred (Tex. Civ. Prac. & Rem. Code § 33.001)
  • Damages caps cap your trial upside. $250,000 per defendant + $500,000 aggregate against healthcare institutions (Tex. Civ. Prac. & Rem. Code § 74.301) — among the strictest in the country
  • Contingency cuts into recovery. 33–40% sliding by case stage; mediation often court-ordered in district court
  • Texas practice note. Texas's 2003 cap survives constitutional challenges — settlement leverage is limited because trial upside is statutorily compressed

How comparative negligence changes the math in Texas

Texas follows: Modified-51% — over 50% at fault and recovery is barred (Tex. Civ. Prac. & Rem. Code § 33.001). In modified-51% states, a finding that you're even 51% at fault wipes out recovery completely — that turns trial into a coin flip with a zero downside. In pure-comparative states, you can recover a proportional share even at 99% fault. That single rule shifts the expected-value math by an order of magnitude.

Damages caps and trial upside

$250,000 per defendant + $500,000 aggregate against healthcare institutions (Tex. Civ. Prac. & Rem. Code § 74.301) — among the strictest in the country Caps directly limit the trial outcome and therefore the settlement leverage. A case with $2M in actual non-economic damages in a $250K-cap state is, for settlement purposes, worth roughly $250K — the defendant knows the ceiling. Caps are usually statutory and survive constitutional challenges, so plan around them, not against them.

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Contingency fees and net recovery

33–40% sliding by case stage; mediation often court-ordered in district court. The expected-value comparison should always use net recovery, not gross — a $500,000 verdict in a 40% contingency state is $300,000 to you (before costs). The settlement offer on the table is usually quoted gross, so do the comparison apples-to-apples: deduct the contingency percentage and any unreimbursed costs from both sides.

Court costs and time-to-trial

Filing fees in Texas: Varies by county and court tier — district-court filing fees commonly $300–$400. Civil cases in Texastypically take 12–24 months from complaint to trial — and that's before any appeal. Time has a cost: the time-value-of-money discount on a future verdict can quietly close the gap with a current offer.

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Sources cited inline. Last verified May 1, 2026. Statutes change — confirm with the official state bar before filing.

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