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Determining the average settlement for car accidents in Texas is challenging due to the uniqueness of each case, including individual injuries. Insurance adjusters typically start by examining medical bills and lost wages to assess their relation to the accident. They often deem medical costs excessively high before making an offer, which may occasionally cover non-economic damages. The claims process requires highlighting the broader impact of the accident, beyond just medical expenses, including pain, suffering, and emotional distress, which the adjusters need to consider for a fair settlement.