Houston Car Accident Compensation: What Your Case Is Really Worth
A straight-talking guide from board-certified trial lawyer Hank Stout on how crash type, injury severity, and Texas law decide what your car accident claim is really worth — and how to prove it.

What You'll Learn, Chapter by Chapter
Twelve chapters that walk the crash, the injury, and the proof — the three things that decide what a Texas car accident claim is really worth.
12 chapters · 93 pages
- 01Crash Types6 pages
The Crash Types That Drive Houston Accident Claims
Most people don't realize that the type of crash changes everything about their case.Distracted drivingRear-end vs. head-onFault basics
- 02Crash Types7 pages
Rear-End and Head-On Collisions: Fault and Force
These are the two crashes people ask me about most, and for almost opposite reasons.Rear-end liabilityHead-on forceProving fault
- 03Crash Types6 pages
T-Bone Crashes and the Right-of-Way Question
T-bone accidents are some of the most disputed crashes on the road, and in a city like Houston, they happen constantly at intersections.Right of wayLeft-turn crashesWitness evidence
- 04Fault & Law7 pages
Comparative Fault: How Texas Splits the Blame
If there is one concept that decides what a Houston car accident claim is really worth, it is this one.Comparative fault51% ruleDamage reduction
- 05Crash Types7 pages
Pileups, Rollovers, and Hit-and-Runs: The Hardest Cases
Most car accident cases come down to one question that has a clear answer: who hit whom.PileupsHit-and-runJoint liability
- 06Injuries7 pages
Soft-Tissue Injuries, Whiplash, and PIP Coverage
The first half of this book was about the crash.Soft-tissue injuryPIP coverageTreatment proof
- 07Injuries7 pages
Traumatic Brain and Spinal Cord Injuries
If whiplash sits at one end of the severity spectrum, traumatic brain injuries and spinal cord injuries sit at the other.Brain injurySpinal cord injuryLife care planning
- 08Injuries6 pages
Broken Bones, Internal Injuries, and Future Medical Costs
When someone breaks bones or suffers internal injuries in a car accident, the bills start stacking up almost immediately, and they don't stop when the cast comes off.FracturesInternal injuriesFuture medical cost
- 09Injuries7 pages
Burns, Disfigurement, and Psychological Trauma
Some injuries fade.BurnsDisfigurementMental anguish
- 10Proving Your Case11 pages
Medical Evidence, Treatment Gaps, and Maximum Medical Improvement
The crash explains how you were hurt.Medical recordsTreatment gapsMaximum medical improvement
- 11Damages8 pages
Lost Wages, Earning Capacity, and Claims Against the Government
For a lot of people, the medical bills are the first thing they think about after a serious crash.Lost wagesEarning capacityGovernment claims
- 12Insurance & Trial14 pages
Insurance Settlements, Juries, and What to Do If Your Claim Is Denied
Everything in this book has been building on one question: how does the case actually resolve?Settlement strategyDenied claimsAbility to pay
What Clients Say About Sutliff & Stout
Real Google reviews from injured Texans the firm has represented.
Recovered future medical costs against a power company
“I was in a terrible car wreck, one that could have ruined me considering today's economy. After searching far and wide, I finally found Sutliff & Stout. Their character and high morals were exemplified in my legal representation against huge power company. Through their expertise, I received proper medical care plus the money I needed to pay for future medical treatment and secure my financial future.”
Judy J.
Google Reviewer
Guided a family's decisions after a child's daycare injury
“The Sutliff & Stout Law Firm helped me when I needed it the most with true professionalism and courtesy. After my child was injured at a daycare, Sutliff & Stout helped me make the best decisions possible. I would definitely recommend Sutliff & Stout to anyone that needs legal assistance. I wouldn't even dare think of calling any other attorney.”
Cassie F.
Google Reviewer
Resolved a wrongful death case quickly and with genuine care
“I cannot thank Sutliff & Stout enough for the way they handled my case in a very professional yet caring manner. They treated me more as a friend than as a client. Their endearing ways in dealing with clients show how much they genuinely care. They resolved my case as soon as possible because they didn't want me to go through any further hardship after already losing my daughter. In my time of need, Sutliff & Stout was there for me.”
Daisie M.
Google Reviewer
Took a case ten attorneys refused and won a city settlement
“When ten different attorneys gave me the cold shoulder, Sutliff & Stout warmly accepted me and my case. When I thought there was no hope for me, Hank and Graham worked extremely hard, for a very long time, in order to put me in a position to convince the city to settle. Without Sutliff & Stout, I would not have been treated fairly and would have significant debts as a result of the collision.”
Chris F.
Google Reviewer
Neck injury bills covered after showing readiness for trial
“I suffered a neck injury that kept me out of work for a long time. The good news was that I didn't have any bills afterwards; even my hospital and my ambulance bills were paid for after my accident. The insurance company settled once Sutliff & Stout boldly showed them we were prepared to try the case. I will always go to Sutliff & Stout.”
Susan C.
Google Reviewer
Verified Google reviews from Sutliff & Stout clients.

Download the Law Guide From Sutliff & Stout
Know what your Texas car accident case is really worth before an insurance company puts a number on it for you. Get the free guide.
- Over $1 billion recovered for accident victims
- How crash type and injury severity set your compensation
- What medical bills, lost wages, and pain and suffering are worth
- How insurance companies calculate their settlement offers
- Free PDF download
- No email required
Frequently Asked Questions
Straight answers to the questions injured Texans ask most about what their car accident claim is worth.
How Texas splits the blame and the rules that decide what you can recover.
How does Texas comparative fault affect how much I can recover?
Sure. In the state of Texas we follow proportionate responsibility, so a jury weighs everyone's actions and assigns a fault percentage to each party. Your recovery is then reduced by your share. "So in Texas, if you're 40% at fault, then your overall damages, let's say it was a hundred dollars, would be reduced by $40 and you would get $60." That is the whole mechanic. And the fight over who did what is really a fight over those percentages, because they decide what walks out the door.
FREE CONSULTATIONWhat is the 51% rule in a Texas car accident case?
If your share of the fault is greater than 51%, you recover nothing for your injuries in the state of Texas. Below that line, you still recover, just reduced by your percentage. There is a separate rule for pileups: as a jointly responsible party who is more than 50% at fault, you can be on the hook for all of the damages, not just your share. That is why an 18-wheeler that plows into a chain-reaction crash can be responsible for everything.
What is different about suing a government entity after a crash?
Two things change: how much you can recover and how fast you have to act. Under sovereign immunity, you cannot sue the government unless it lets you, and the Texas Tort Claims Act lets you up to a damage cap that depends on who hit you, a police vehicle, a county, or a city. The bigger trap is notice. There are specific notice provisions you must satisfy within a set timeframe. Miss that deadline and you lose the ability to make a claim at all.
Explore Legal Services Offered by the Firm
Go deeper than the guide. Browse the accident and injury practice areas Sutliff & Stout handles across Texas, from car and truck crashes to catastrophic injury claims.
Personal Injury Attorney
Learn how Sutliff & Stout handles personal injury claims.
Car Accident Attorney
Learn how Sutliff & Stout handles car accidents claims.
Truck Accidents
Learn how Sutliff & Stout handles truck accidents claims.
Motorcycle Accidents
Learn how Sutliff & Stout handles motorcycle accidents claims.
Pedestrian Accidents
Learn how Sutliff & Stout handles pedestrian accidents claims.
Bicycle Accidents
Learn how Sutliff & Stout handles bicycle accidents claims.
Rideshare Accidents
Learn how Sutliff & Stout handles rideshare accidents claims.
Construction Accidents
Learn how Sutliff & Stout handles construction accidents claims.

