Liability Exposure Calculator

This tool helps you visualize potential out-of-pocket costs related to bodily injury claims as a result of car accidents, based on different liability limits and hypothetical claim amounts.

Choose Your Current Coverage

Select your current bodily injury liability limits to see them highlighted in the analysis below.

Your Current Limits:

Section 1: Common Bodily Injury Costs in Texas Car Accidents

Below are estimated cost ranges for common bodily injuries and related expenses that may arise from a car accident in Texas. These are general estimates and actual costs can vary greatly.

Type of Injury/Expense	Potential Cost Range (Approx.)

Section 2: Generate Potential Claims for an Accident

Click the button below to randomly generate hypothetical bodily injury claim amounts for three persons involved in an accident, based on the common cost ranges listed above.

Section 3: Liability Exposure Analysis

Enter or adjust the claim amounts below, then click "Refresh Analysis" to see how different liability limits affect the covered amounts and your potential out-of-pocket exposure.

Person 1 Claim Amount ($):

Person 2 Claim Amount ($):

Person 3 Claim Amount ($):

Liability Limits (Thousands)	Person 1 Claims	Person 2 Claims	Person 3 Claims	Total Remaining Exposure