A newly proposed bill in the Texas House of Representatives, House Bill 4806, aims to place caps on medical and personal damages in insurance claims. If passed, this legislation could have devastating financial consequences for individuals seeking compensation after an accident, workplace injury, or medical malpractice. The proposed caps would limit how much victims can recover for medical expenses, pain and suffering, and other non-economic damages, making it harder for them to receive fair financial relief.
How the Bill Could Impact Injury Victims
One of the biggest concerns surrounding HB 4806 is how it would affect individuals who rely on insurance claims to cover their medical expenses. Consider this real-world scenario:
A Devastating Car Accident & Limited Compensation
Imagine Sarah, a single mother in Texas, is hit by a drunk driver. She suffers multiple fractures and requires extensive surgery, months of physical therapy, and ongoing pain management. Her total medical bills amount to $150,000, but because she has health insurance, the insurer negotiates a lower payment of $80,000. Under HB 4806, her compensation could be capped based on the negotiated insurance rate—not the full cost of treatment.
Even worse, the bill could limit her non-economic damages, which cover pain and suffering, emotional distress, and long-term disability. If her ability to work is permanently impacted, Sarah may be left struggling financially with no recourse to recover the full extent of her losses.
Who Benefits from This Bill?
Critics argue that HB 4806 primarily benefits insurance companies and large corporations, allowing them to pay out less in claims while leaving injured Texans to bear the financial burden. Opponents of the bill say that instead of protecting victims, it shields negligent parties from accountability by placing an arbitrary cap on damages.
What Can Texans Do?
If you or a loved one has been injured due to someone else’s negligence, you deserve fair compensation—not limits that favor insurers. Texans concerned about the impact of HB 4806 can:
- Contact their representatives to voice opposition.
- Stay informed about legislative updates.
- Seek legal guidance to understand their rights if the bill passes.
Final Thoughts
If House Bill 4806 becomes law, injury victims may be left footing the bill for expenses they didn’t cause. The ability to recover full and fair compensation is crucial for Texans who suffer life-altering injuries. Limiting that compensation could have lasting consequences for victims and their families.
Protecting Your Right to Fair Compensation
House Bill 4806, introduced on March 13, 2025, by Representative Greg Bonnen (TX-24), could significantly limit how much Texans can recover in medical and personal injury claims. If this bill passes, many injury victims could be left without the financial support they need to cover medical expenses, lost wages, and long-term care.
At The Law Office of Shawn C. Brown P.C., we believe in fighting for your rights and ensuring that big insurance companies and corporations don’t take advantage of injury victims. If you or a loved one has been injured, you deserve full and fair compensation—not an arbitrary cap that protects the negligent party.
We encourage all Texans to contact their local representatives and voice their concerns about HB 4806. Let them know that victims should not be left to suffer while insurers and big business reap the benefits. If you need legal help navigating your injury claim, our experienced team is here for you. Call us today for a free consultation.
