Austin Catastrophic Injury Lawyer
We represent people across Austin and Travis County whose injuries will not heal. As an Austin catastrophic injury lawyer, our approach to a catastrophic injury claim under Texas law turns on two questions: what the claim is worth, and what it takes to collect it.
A permanent injury reorders a family’s life long before anyone says the word lawsuit. Learn more about Breeland Injury Law, or contact us at 512-764-3380 to talk about what happened.
Texas sets the categories of damages a catastrophic case can recover. Two more rules decide whether the money reaches the family: how shared fault is counted, and which policies stand behind the person who caused the harm.
Why Austin Families Turn to Breeland Injury Law for a Catastrophic Injury Claim

Matt Breeland spent the first eight years of his career on the other side, defending insurance companies against injury claims, before switching in 2016 to represent injured Texans exclusively. That background gives him a clear view of how an insurer will try to undervalue a claim that will follow a family for decades.
As lead trial counsel, Matt obtained one of the top 100 jury verdicts in Texas in 2019, ranking among the state’s top 50 for motor vehicle cases. In 2023, he also ranked in the state’s top 20 for personal injury verdicts overall. Super Lawyers has recognized him as a Rising Star every year from 2017 through 2021 and named him to its main Texas list in 2023 and 2024.
A catastrophic injury case can run for years, and Matt works to keep clients informed at each stage, explaining what a life care plan covers, why a policy limit matters, and what comes next, in plain English. A free consultation is the first step to finding out where a case stands, and the attorney bio page has more on his background.
What Counts as a Catastrophic Injury Under Texas Law?
Texas has no statute that defines a catastrophic injury. In practice the term describes an injury that permanently changes what you can do for work and for yourself. No legal test decides the label.
Three groups of injury dominate these claims:
- Traumatic brain injuries, including losses of cognition and memory
- Spinal cord injuries, with partial or complete loss of function below the injury
- Spine and back injuries where surgery or long-term pain management is recommended
What matters legally is what the damages evidence proves. Section 41.001 of the Texas Civil Practice and Remedies Code sorts recoverable damages into economic and noneconomic categories.
What a Catastrophic Injury Claim Can Recover in Texas
Texas law splits catastrophic injury damages into two kinds: economic and noneconomic. Economic damages cover measurable financial losses tied to the injury, while noneconomic damages cover the physical and personal toll, both broken down in the table below.
| Damage category | What it covers | What proves it |
| Economic | Future medical care, attendant care, equipment, home modifications, lost earning capacity | Life care plan, economic analysis |
| Noneconomic | Physical pain, mental anguish, disfigurement, physical impairment, loss of consortium (marriage relationship), loss of enjoyment of life | Treating providers, family testimony, before-and-after record |
| Exemplary | A penalty, available where the conduct involves fraud, malice, or gross negligence, and capped | Clear and convincing evidence of fraud, malice, or an extreme risk the defendant knew of and disregarded |
Fraud, malice, and gross negligence are three independent grounds for exemplary damages, not stages of one standard. Gross negligence means the defendant actually knew of an extreme risk and went ahead anyway, with conscious indifference to the safety of others. Under Section 41.003 of the Civil Practice and Remedies Code, a claimant must prove one of these three grounds by clear and convincing evidence.
Section 41.008(b) of the Civil Practice and Remedies Code caps exemplary damages at the greater of two figures.
The first is two times economic damages, plus any noneconomic damages the jury finds. No more than $750,000 of that noneconomic amount counts toward the figure. The second figure is $200,000.
How Long Do You Have to File a Catastrophic Injury Lawsuit in Texas?
In Texas you generally have two years to file a personal injury lawsuit. The clock starts on the day the cause of action accrues, which is the day the claim arises.
If the injury caused a death, the two years run from the date of death. Section 16.003 of the Texas Civil Practice and Remedies Code sets both deadlines, subject to the exceptions the statute names.
Legal disability changes the count:
- Section 16.001 of the Texas Civil Practice and Remedies Code pauses the clock. The pause covers the time a person spends under a legal disability that existed when the claim accrued, and the statute defines legal disability as being younger than 18 or of unsound mind.
- A disability that begins after the clock starts does not pause it. Disabilities also cannot be tacked, meaning one cannot be added onto another.
Evidence does not wait for the deadline. Vehicles get repaired and video gets overwritten long before two years run.
How Does Shared Fault Change What You Recover?
You can still recover damages if you were partly at fault. You recover nothing at all once your share of the fault is greater than 50%. Texas calls that rule proportionate responsibility.
Section 33.001 of the Texas Civil Practice and Remedies Code sets that bar for the actions Chapter 33 governs. A 50% share does not cross the line, and any share above that does.
The fault percentage is where the defense spends its money. One point is worth little when damages are small and a great deal when a life care plan runs for decades.
What Happens When the At-Fault Driver’s Policy Will Not Cover a Lifetime of Care?
The next source of payment is usually your own uninsured or underinsured motorist coverage. You turn to that coverage when the at-fault driver’s liability limits are smaller than the cost of your future care. Payment usually arrives in layers:
- The at-fault party’s liability coverage: In a catastrophic case this layer is often gone inside the first year of medical bills.
- Your own uninsured or underinsured motorist coverage: A Texas auto liability policy must carry this coverage under Section 1952.101 of the Texas Insurance Code. The coverage can sit in the policy or be supplemental to it. The one exception is a written rejection by an insured named in the policy. Many Austin drivers hold this coverage without knowing it.
- Other parties who can be named: this may include the commercial carrier behind a truck, the employer of a driver who was working, or a commercial property owner.
Sorting out which layers apply, and in what order, is its own piece of work in a catastrophic claim. If you are unsure which policies stand behind your case, talk with our underinsured motorist coverage team.
When a Catastrophic Injury Becomes a Wrongful Death Claim
If a catastrophic injury results in death, Texas gives the surviving spouse, children, and parents the right to bring a wrongful death action for their exclusive benefit. Under Section 71.004 of the Civil Practice and Remedies Code, any one of them may bring the action for the benefit of all.
The statute names a fallback. If none of them has filed within three calendar months after the death, the estate’s executor or administrator has to bring the action. The exception is when all of them ask otherwise. The deadline is the same two-year period described above, running from the date of death.
Explore Related Practice Areas
A catastrophic injury claim can overlap with other practice areas depending on how the injury happened. You may find these pages useful:
• Truck and commercial vehicle collisions
FAQ: Catastrophic Injury Questions in Austin
What Is a Life Care Plan and Why Does My Case Need One?
A life care plan is a detailed, medically grounded projection of every future cost a catastrophic injury will create: ongoing treatment, equipment, home modifications, and attendant care, priced out year by year for the rest of a person’s life. Insurers rarely accept a rough estimate for a claim this size, so the plan is usually built with input from treating physicians, therapists, and a life care planning specialist. It becomes the backbone of the economic damages evidence described above.
What If the At-Fault Driver Has No Insurance At All?
Even when the at-fault driver has no insurance at all, rather than just too little, your own uninsured motorist coverage still stands as a source of payment, if you carry it. That coverage responds the same way it would to an underinsured driver, just without a first layer of liability coverage to draw from. Whether other parties, like an employer or a property owner, can also be named depends on how the crash happened.
Who Pays for Ongoing Home Health Care After a Catastrophic Injury?
Ongoing home health care is typically paid for out of the settlement or verdict itself, using the future-cost figures a life care plan establishes. It is not paid by an insurer on an ongoing basis after the case closes. That is why proving the true, lifetime cost of care up front matters so much in a catastrophic injury claim. Once a case resolves, that money has to be enough to cover decades of care with no second chance to go back and ask for more.
Talk to an Austin Catastrophic Injury Lawyer
Are you weighing which Austin firm to call about a permanent injury? We offer a free consultation to walk you through what your claim has to prove and what it will take to fund your care. Bring these documents:
- The crash report
- The adjuster’s first letter
- Your own auto policy
The two-year deadline runs from the day the cause of action accrues, but the pieces that prove a case do not last nearly that long. As your Austin catastrophic injury lawyer, call us at 512-764-3380 or contact our team. Learn more about Breeland Injury Law before you call.
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Attorney Matt Breeland
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