This article proposes a causal, accurate, and case-independent model, which can be used for the transient analysis of lossy coupled transmission lines. In addition to propagation delay and characteristic impedance, the method uses a phenomenological study on the frequency dependence of the transmission lines and identifies two unified parameters that, respectively, correspond to conductor (skin-effect) and dielectric loss. An accurate transient response is derived, and a generic circuit library is established for efficient and case-independent SPICE simulation. Using peak distortion analysis, the eye diagram versus loss parameters is plotted into unified design charts for eye height and width, which depicts the signal quality without the need for pseudorandom bit sequence simulation. The proposed model is also generalized to coupled transmission lines. The far-end crosstalk noise is found to be significantly affected by the loss parameters, and the proposed circuit model ensures accurate simulation.