Who pays for your pain and suffering in Texas personal injury cases?

Who pays for your pain and suffering in Texas personal injury cases?

As a victim of a personal injury accident, you may be entitled to compensation for the pain and suffering you have endured. However, navigating the legal complexities to obtain fair payment can be difficult. While insurance companies have teams of attorneys and adjusters working to limit their financial responsibility, you need an advocate fighting for your rights and ensuring you are properly compensated.

In the state of Texas, the party found legally at fault for your accident and injuries is typically required to pay for your pain and suffering damages. This may be an individual, a company, or another entity determined liable either through a negotiated settlement or a court verdict. To have the best chance of obtaining full compensation after a serious accident, it is advisable to hire an experienced personal injury attorney to represent your interests, handle interactions with insurance companies, and potentially file a lawsuit on your behalf if a fair settlement cannot be reached. With legal counsel, you stand the best opportunity to recover compensation for all aspects of your loss—including the physical discomfort, emotional anguish, and lifestyle impacts resulting from your injuries. Discussing your case with a texas car accident lawyer is always a good idea. 

Understanding Pain and Suffering Damages in Texas

In Texas personal injury cases, pain and suffering damages — also known as non-economic damages — refer to compensation for physical and emotional harm caused by another party's negligence or wrongdoing. To understand pain and suffering damages, it is important to know:

Who is responsible for paying these damages?

The at-fault party, whether an individual or company, is typically responsible for compensating the victim for pain and suffering. For example, if you are injured in a car accident caused by another driver, that driver's insurance company would likely pay for your pain and suffering damages.

  • Physical pain: Compensation for the physical pain experienced as a result of an injury, such as discomfort, soreness, and agony.
  • Emotional anguish: Damages for mental anguish, distress, anxiety, grief, and trauma. Examples include depression, insomnia, and PTSD resulting from an injury.
  • Loss of enjoyment of life: Reimbursement for loss of ability to participate in and enjoy life's activities as a result of an injury. This could include loss of hobbies, social interaction, intimacy, etc.

To determine appropriate compensation, insurance companies and juries consider the severity and permanence of injuries, type of medical treatment required, and how the injuries have impacted the victim's life and relationships. While no amount of money can undo the harm caused, pain and suffering damages aim to provide victims a means for coping with life after a traumatic event. With the help of a personal injury attorney, victims in Texas can pursue fair compensation for the physical and emotional suffering they have endured.

Proving Liability Is Critical to Recover Damages

To recover damages for pain and suffering in a personal injury case, proving liability is essential. ###

As the plaintiff, you must establish that the defendant owed you a duty of care, breached that duty, and directly caused your injuries as a result. In Texas, this is known as proving negligence. The specific requirements to prove negligence and liability will depend on the details of your case.

For example, in a car accident case, you must show the other driver was negligent in the operation of their vehicle. This could mean speeding, disobeying traffic signals, driving while distracted, driving under the influence, or other careless acts. As the injured party, you must prove the other driver's negligence caused the collision and your subsequent harm.

In cases of premises liability, such as a slip and fall, you need to demonstrate the property owner failed to exercise reasonable care to prevent injury. This may include not properly maintaining the premises, not fixing known hazards, or not providing adequate warnings about potential dangers. You must establish a direct link between their negligence and your accident.

Proving liability is essential to recovering compensation for pain, suffering, mental anguish, and other non-economic damages in Texas. While documenting injuries and medical treatment are important, without clear evidence the defendant is legally at fault due to negligence or other wrongful acts, you are unlikely to obtain a fair settlement or verdict. Consulting with a personal injury attorney in Texas can help determine liability and the strength of your claim.

Sources of Compensation for Pain and Suffering

There are two primary sources that may provide compensation for your pain and suffering in a Texas personal injury case:

The at-fault party’s liability insurance

The at-fault party, whether an individual or a business entity, likely has liability insurance to cover claims arising from accidents and injuries they cause. Their insurance provider is obligated to compensate you for the injuries and damages resulting from their policyholder’s negligence. This includes compensation for physical pain, mental anguish, loss of enjoyment of life, and other non-economic damages related to your suffering.

Your own uninsured/underinsured motorist coverage

If the at-fault party does not have sufficient liability insurance, or any insurance at all, you may need to turn to your own auto insurance policy for coverage. In Texas, uninsured/underinsured motorist (UIM) coverage provides compensation when another driver causes an accident and lacks enough insurance. Your UIM coverage can provide funds to compensate you for pain, suffering, and other non-economic losses within the limits of your policy.

While liability insurance and UIM coverage are the primary avenues for obtaining compensation for pain and suffering, there are a few other options to explore:

  • Personal injury protection (PIP) through your own auto policy
  • Health insurance (for medical bills related to your injuries)
  • Disability insurance (if your injuries prevent you from working)
  • Workers’ compensation (for injuries sustained on the job)
  • A personal injury lawsuit against the at-fault party

The amount of compensation for pain and suffering depends on the severity and duration of your injuries. More serious injuries that cause ongoing pain, impairment, or disability over a long period of time merit higher damages for pain and suffering. An experienced personal injury attorney can help determine what your pain and suffering may be worth based on the circumstances of your accident and injuries.

The Role of Insurance Companies in Personal Injury Cases

In personal injury cases, insurance companies typically cover the costs associated with your pain and suffering. The at-fault party’s liability insurance provider is responsible for compensating you for non-economic damages like mental anguish, loss of enjoyment of life, and physical pain.

Liability Coverage

Most drivers and property owners carry liability insurance to protect themselves in the event of an accident that causes injury to another person. The at-fault party’s insurance company is obligated to compensate the victim for losses and damages. This includes payment for pain and suffering in addition to economic losses like medical bills and lost wages.

The amount of liability coverage the at-fault party carries will determine how much the insurance provider is able to pay for your pain and suffering. In Texas, drivers are only required to carry $30,000 in liability coverage, which may not be enough to fully compensate severe injuries. Those with substantial assets often opt for higher liability limits to protect themselves in the event of a major accident.

Negotiating With Insurance Companies

Insurance companies aim to settle claims for as little money as possible, so negotiating with an adjuster typically requires persistence and evidence to prove the extent of your suffering. It may be necessary to provide documentation from physicians and therapists regarding your injuries, treatment, and recovery. You may also need to demonstrate how your daily activities and relationships have been impacted.

The value of pain and suffering is subjective, but settlements and jury awards in similar cases can help determine an appropriate range. An experienced personal injury attorney can help build a strong case to demand fair compensation from insurance companies for your pain, suffering, and loss of enjoyment in life. While no amount of money can undo the harm caused, adequate compensation at least provides a means for recovery and security moving forward.

Why Hiring a Texas Personal Injury Lawyer Matters

If you have suffered injuries in an accident that was caused by another party’s negligence or wrongdoing, you may be entitled to compensation. However, pursuing a personal injury claim can be complicated. Hiring an experienced Texas personal injury attorney to help you through the legal process is highly advisable.

A qualified personal injury lawyer has the knowledge and skills to investigate your accident, determine liable parties, and build a strong case to support your claim. They are adept at calculating fair compensation for both economic and non-economic damages like pain and suffering. An attorney can handle negotiations with insurance companies and defend your rights, working to obtain a settlement that fully compensates you for your injuries.

Should your case go to trial, a personal injury lawyer will represent you in court. They are familiar with Texas personal injury laws and procedures, as well as strategies to present evidence supporting your claim. Your attorney can question witnesses, argue to persuade the jury, and strive to maximize the damages awarded to you.

Navigating the legal system and dealing with insurance companies can be difficult and emotionally taxing. A personal injury lawyer shoulders the burden, allowing you to focus on recovery. They work on a contingency basis, so you typically do not pay any upfront legal fees. Attorneys are only paid if they obtain a settlement or judgment in your favor.

The odds of success and the amount of compensation you receive may depend greatly on the experience and skill of your personal injury lawyer. Their knowledge and dedication to your case can make a substantial difference in the outcome. For the best chance at justice and fair recompense, hiring a reputable Texas personal injury attorney is strongly recommended.

Fletcher Law Texas Injury Lawyers Have Experience To Help

The experienced injury attorneys at Fletcher Law have represented thousands of injured Texans over the years. Our lawyers know Texas personal injury law inside and out and have a proven track record of success. We will thoroughly investigate your case, determine who is responsible, and pursue the maximum compensation on your behalf.

When you suffer an injury due to someone else’s negligence, the at-fault party is typically responsible for paying for the financial losses and damages that result, including payments for:

  • Medical bills (emergency care, hospital stays, physical therapy, medications, etc.)
  • Lost wages from time missed at work
  • Pain and suffering compensation
  • Mental anguish and emotional distress
  • Loss of enjoyment of life
  • Permanent disabilities or disfigurement

To receive fair compensation in a personal injury claim, it is critical to have experienced legal counsel on your side. The attorneys at Fletcher Law have handled cases involving:

  • Car and truck accidents
  • Premises liability injuries (slip and falls, etc.)
  • Defective products
  • Workplace accidents
  • and more.

We have the expertise and resources to thoroughly investigate your injury, determine who is at fault, and fight for full compensation for your damages. Our personal injury lawyers work on contingency, so we only get paid if we recover money for you. There are no upfront fees or costs.

Don’t delay - contact Fletcher Law today for a free case review. We can evaluate your claim, answer your questions, and get started protecting your rights right away. Maximum compensation for your pain, suffering, and financial losses may be at stake, so call now.


You have the right to demand compensation for pain and suffering in Texas personal injury cases. While obtaining financial recovery cannot undo the harm that was done, it can provide a sense of justice and help secure your financial future. Work with an experienced personal injury attorney to determine how much your pain and suffering are worth and fight to obtain the maximum amount possible from the at-fault parties and their insurance companies. Though the process can be difficult, staying determined and committed to your case can make all the difference in recovering damages for your suffering. You deserve to be fully compensated for your losses. The injury lawyers at Fletcher Law are here to help.