Texas car accident leads
Summit Leads supplies car accident leads in all U.S. states, Texas included, by real-time ping/post, exclusive by default and filtered down to the ZIP code. Texas is an at-fault state, and under section 33.001 (Texas statutes, as of October 2026) a claimant more than 50 percent responsible recovers no damages.
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Texas facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Fault-based; PIP is part of every policy unless rejected in writing (TDI guide, updated December 11, 2025)Auto insurance guide (last updated December 11, 2025) Texas Department of Insurance |
| Required PIP amount | Not required to exceed $2,500 for all benefits, in the aggregate, for each person (Ins. Code 1952.153, as of October 2026)Texas Insurance Code chapter 1952, subchapter D (sections 1952.152 and 1952.153), Personal injury protection coverage Texas Legislature |
| Minimum liability coverage | $30,000 per person, $60,000 per accident for injuries, $25,000 property damage (TDI, updated December 11, 2025)Auto insurance guide (last updated December 11, 2025) Texas Department of Insurance |
| Uninsured/underinsured motorist coverage | Insurers must offer it; rejection must be in writing (TDI, updated December 11, 2025)Auto insurance guide (last updated December 11, 2025) Texas Department of Insurance |
| Personal injury statute of limitations | Two years after the day the cause of action accrues (Civ. Prac. & Rem. Code 16.003, as of October 2026)Civil Practice and Remedies Code 16.003, Two-year limitations period Texas Legislature |
| Comparative fault rule | No recovery if the claimant's responsibility is greater than 50 percent (Civ. Prac. & Rem. Code 33.001, as of October 2026)Civil Practice and Remedies Code 33.001, Proportionate responsibility Texas Legislature |
| Traffic fatalities | 4,294 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Serious injury crashes | 15,227 in 2023, with 250,489 persons injured in all crashes (TxDOT Crash Facts 2023)Texas Motor Vehicle Traffic Crash Facts, Calendar Year 2023 (data as of April 9, 2025) Texas Department of Transportation |
| Lawyer advertising rules | Texas Disciplinary Rules of Professional Conduct, Part VII, rules 7.01 to 7.04 (effective March 7, 2025)Texas Disciplinary Rules of Professional Conduct, Part VII, Information About Legal Services (effective March 7, 2025) State Bar of Texas |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Texas fault-based claims and the PIP that rides along
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
A Texas injury claim runs against the driver who caused the crash. The Texas Department of Insurance auto guide (updated December 11, 2025) describes liability coverage as paying the other driver's and passengers' medical bills when the policyholder caused the accident. No tort threshold stands between an injured Texan and a claim for pain and suffering.
Personal injury protection still appears on most Texas policies. Section 1952.152 of the Insurance Code (Texas statutes, as of October 2026) bars an insurer from issuing an auto liability policy without PIP unless a named insured rejects it in writing, and section 1952.153 does not require coverage above $2,500 for all benefits, in the aggregate, for each person. Section 1952.155 makes those benefits payable without regard to fault.
For a law firm, PIP is background, not a gate. Whether the claimant had PIP, and whether it has paid, tells the firm what is already covered; the liability claim against the other driver is the case it is buying.
More than half the blame ends a Texas claim
Texas compares fault under chapter 33 of the Civil Practice and Remedies Code. Section 33.001 (Texas statutes, as of October 2026) states that a claimant may not recover damages if his percentage of responsibility is greater than 50 percent. At 50 percent the claim survives in reduced form; at 51 percent it is gone.
The filing window is short. Section 16.003 (Texas statutes, as of October 2026) requires a personal injury suit to be brought not later than two years after the day the cause of action accrues, and a death claim within two years, with accrual on the date of death.
Texas buyers screen for both because a lead on the wrong side of either rule has nothing for a firm to file: the accident date shows the time left, and the liability answers show where the claimant may land on the chapter 33 scale.
The 30/60/25 floor on Texas policies
The TDI auto guide (updated December 11, 2025) states that Texas law requires at least $30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 for property damage. Uninsured and underinsured motorist coverage is not mandatory, but insurers must offer it and a driver who declines must say so in writing.
A claimant hit by a driver carrying only the floor amount may have a limited recovery from that policy, so intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary forms that ask about the other driver's insurance, and about the claimant's own uninsured motorist coverage, give the firm a fuller picture.
Texas crash counts
NHTSA's Fatality Analysis Reporting System records 4,294 traffic deaths in Texas in 2023, the latest year treated as final.
Texas also publishes injury figures. The TxDOT Texas Motor Vehicle Traffic Crash Facts for calendar year 2023 reports 15,227 serious injury crashes, 18,765 people with a serious injury and 250,489 persons injured in motor vehicle traffic crashes that year. TxDOT counts from peace officer crash reports, so its 2023 death total differs slightly from the FARS figure.
Part VII of the Texas Disciplinary Rules
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Texas lawyer advertising and solicitation rules sit in Part VII, Information About Legal Services, of the Texas Disciplinary Rules of Professional Conduct (effective March 7, 2025), published by the State Bar of Texas. Texas numbers these rules its own way:
- Rule 7.01, Communications Concerning a Lawyer's Services.
- Rule 7.02, Advertisements.
- Rule 7.03, Solicitation and Other Prohibited Communications. Paragraph (e) covers paying a nonlawyer for soliciting or referring prospective clients.
- Rule 7.04, Filing Requirements for Advertisements and Solicitation Communications.
Comment 13 to rule 7.03 opens with the sentence "A lawyer may pay others for generating client leads" and then lists conditions tied to rules 5.04 and 7.01. This page names the rules and that comment only. Whether a given lead program meets them is a matter for the buying firm and its counsel.
What buyers in Texas filter on
Texas campaigns usually set these fields, each matched to a rule above:
- Fault answers: who struck whom, citations and the police report, read against section 33.001.
- Accident date: time remaining under section 16.003.
- Injury and treatment: the type of injury, whether care is ongoing, and whether PIP has paid.
- Representation status: whether the claimant has already hired a lawyer.
- ZIP code: the counties and ZIP codes the buyer's firms cover.
Where buyers filter in Texas
A statewide Texas campaign covers very different markets, so most buyers map their coverage to ZIP codes. For reference, these are the six largest Texas metropolitan areas in the Census Bureau's July 1, 2025 estimates. Any ZIP code in the state can be included or left out.
- Dallas-Fort Worth-Arlington: 8,477,157 (July 1, 2025 estimate)
- Houston-Pasadena-The Woodlands: 7,904,627 (July 1, 2025 estimate)
- San Antonio-New Braunfels: 2,813,140 (July 1, 2025 estimate)
- Austin-Round Rock-San Marcos: 2,620,945 (July 1, 2025 estimate)
- McAllen-Edinburg-Mission: 921,549 (July 1, 2025 estimate)
- El Paso: 881,291 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Texas car accident leads
A TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record travels with every Texas car accident lead. Texas registration and calling rules for telephone solicitation are summarized in the state telemarketing laws table, and the combined view for MVA and home improvement buyers is on leads in Texas.
Texas car accident lead questions
What liability limits must a Texas driver carry?
The TDI auto guide (updated December 11, 2025) lists $30,000 per person and $60,000 per accident for injuries and $25,000 for property damage, known as 30/60/25 coverage.
How much PIP does Texas law require an insurer to provide?
Insurance Code 1952.153 (Texas statutes, as of October 2026) does not require more than $2,500 for all benefits, in the aggregate, for each person. A named insured can reject PIP in writing under section 1952.152.
Which Texas disciplinary rule covers paying for client referrals?
Rule 7.03(e) of the Texas Disciplinary Rules of Professional Conduct, in Part VII. Comment 13 to that rule addresses payments for generating client leads. This is general information, not legal advice.
How many serious injury crashes did Texas record in 2023?
The TxDOT Crash Facts report for 2023 counts 15,227 serious injury crashes and 250,489 persons injured in motor vehicle traffic crashes.
Request Texas car accident leads
Email us the Texas ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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