Texas · MVA Lead Generation
Buy Motor Vehicle Accident Leads in Texas
Texas MVA leads sourced under the state's at-fault framework and 51% proportionate-responsibility bar, with fault-percentage screening at intake.
614,000
Texas crashes / yr
4,283
Annual fatalities
240,800
Annual injuries
2 yr
Personal injury SOL
The opportunity in Texas
Why Texas is a structural market for MVA lead generation
Texas reports approximately 614,000 traffic crashes per year, with 4,283 fatalities and 240,800 injured claimants. Population of 30.5M residents drives a sustained base of personal injury claims, particularly concentrated in the Houston metro which accounts for roughly 12% of statewide MVA volume.
Texas's at-fault framework and modified comparative — 51% bar rule create a specific lead-qualification profile — different from neighboring states and different from how generic MVA lead vendors price and screen. That state-level specificity is the reason Texasfirms shouldn't buy from national vendors who treat every state the same.
Liability framework
How Texas liability works (and why it matters at intake)
Liability system
At-fault
Comparative negligence
Modified comparative — 51% bar
PIP required
No
Mandatory liability minimums
30/60/25
(BI per person / BI per accident / property damage, in thousands)
Texas is a pure at-fault state — the driver who caused the wreck (or their carrier) pays. There is no PIP mandate, although carriers must offer it; opt-out PIP coverage is common, which affects how 'qualified' is defined at intake.
Texas uses the 51% bar (Proportionate Responsibility): a claimant more than 50% at fault recovers nothing. Damages are reduced by the claimant's own fault percentage up to that bar.
Statute of limitations
How long Texas claimants have to file
Personal injury SOL
2 years
Property damage SOL
2 years
The Texas personal injury SOL is 2 years from the date of the accident. For lead-aging math: a qualified MVA lead should typically be in active intake within 30–60 days of the accident date to leave sufficient runway for medical treatment documentation, demand letter preparation, and filing — especially in states with a 2-year SOL where the case-management margin compresses fast.
Where the volume is
Top claim markets in Texas
Lead distribution should match where the crashes actually happen. The five highest-volume metros in Texas concentrate the majority of statewide MVA claim activity:
#1 metro
Houston
~73,500 annual reported crashes
#2 metro
Dallas–Fort Worth
~88,200 annual reported crashes
#3 metro
San Antonio
~38,800 annual reported crashes
#4 metro
Austin–Round Rock
~27,900 annual reported crashes
#5 metro
El Paso
~14,200 annual reported crashes
Qualified MVA lead criteria
What "qualified" means in Texas
A Texas qualified MVA lead is one we'd sign at our own firm. The criteria below are state-specific — they account for Texas's at-fault framework, the modified comparative — 51% bar bar, and the 2-year personal injury SOL.
- Accident date within 60 days (leaves runway under Texas's 2-year SOL).
- Police report filed in Texas jurisdiction — accident occurred in-state, report number on hand.
- Claimant 50% or less at fault under Texas's 51% bar.
- Insurance coverage captured (UM/UIM, MedPay, health) — Texas does not require PIP, so first-dollar coverage varies widely.
- Active medical treatment underway or completed; treatment provider documented.
- No prior attorney representation; signed conflict-check release at intake.
- TCPA consent records: IP, timestamp, user agent, consent language captured.
Pricing benchmarks
Texas MVA lead pricing — 2026 benchmarks
Procurement-grade pricing for TexasMVA leads, compiled from Mass Tort Agency's 2024–2026 buy cycles. CPL varies by metro saturation, channel mix, and live-transfer vs qualified-form delivery.
Tier 1 — Live Transfer
$275–$450
CPL · Inbound caller, pre-qualified, on the line
Tier 2 — Qualified Form
$110–$200
CPL · Form fill screened within 15 minutes
Tier 3 — Data Lead
$30–$55
CPL · Volume-tier claimant data, firm-screened
Cost per signed retainer (CPSR)
$1,500–$2,800
Typical Texas CPSR band, inclusive of media + intake + signed-retainer attribution. The variance is driven by liability complexity and metro mix, not media cost alone.
Channel mix
Channels that work in Texas
The right channel mix for Texasreflects the state's demographic profile, metro density, and language distribution. Generic national MVA campaigns underperform here.
Compliance
Texas-specific compliance posture
TCPA + DPPA (federal)
Every outbound contact carries express written consent records with timestamp, IP, user agent, and consent language. DPPA compliance enforced for any driver-record-derived data.
Texas bar advertising rules
Texas Disciplinary Rules of Professional Conduct Part VII (Information About Legal Services) governs lawyer advertising and solicitation in this state. Direct in-person or live-telephone solicitation of MVA victims is restricted; lead vendors must source via opt-in inbound channels.
Texas MVA leads · FAQ
Questions Texas firms ask before buying MVA leads
What's the difference between buying MVA leads in Texas vs Florida?
Texas is at-fault: the at-fault driver's liability carrier pays. Florida is no-fault: the claimant's own PIP pays first, and they must meet a serious-injury threshold to step outside PIP. Lead qualification in Texas focuses on fault percentage (must be ≤50% to recover); in Florida it focuses on injury severity meeting the threshold.
Does Texas's lack of mandatory PIP affect MVA lead quality?
Yes — meaningfully. Many Texas drivers opt out of the offered PIP, so claimants without their own PIP rely entirely on the at-fault carrier and their own UM/UIM coverage. Lead vendors should capture both PIP-status and UM/UIM-status at intake to predict recoverable damages, because uninsured/underinsured drivers cause ~14% of Texas crashes.
What's the typical CPL for buying MVA leads in Texas?
Texas runs $275–450 CPL for live-transfer and $110–200 CPL for qualified form. Houston and DFW are the most competitive metros (top of the band); secondary metros like El Paso and Lubbock are 15–20% under the band.
How long do I have to convert a Texas MVA lead before SOL runs out?
Two years from the date of the wreck for personal injury and for property damage. That's a tighter window than the 3-year SOLs in NY, NC, or MI — qualified-form Texas leads need to be in active intake within 30 days of accident date for the conversion math to work.
Are Spanish-language MVA leads more expensive in Texas?
Roughly 10–18% higher CPL because the intake premium is higher (bilingual qualifying), but signed-retainer rate runs 6–9 points above English-language leads in Houston, DFW, and the Rio Grande Valley because of less competition for that segment.
What does the Texas State Bar require for MVA lead advertising compliance?
Texas Disciplinary Rule 7.02 (Communications About Services) and Rule 7.03 (Solicitation) govern. Lawyer ads must be approved by the State Bar's Advertising Review Committee for non-exempt ads, and direct in-person solicitation of an MVA victim within 30 days of the accident is prohibited unless the lawyer is responding to the prospect's specific request.
Regional MVA markets
MVA leads in other states near Texas
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