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Car Accident Settlement Calculator
Free car accident settlement calculator. Estimate your injury claim value from medical bills, lost wages, pain and suffering, fault, and attorney fees.
Damages Breakdown
Estimate only, not legal advice. Real settlements depend on evidence, state law, insurance coverage, and negotiation. Talk to a licensed personal injury attorney about your case.
Frequently Asked Questions
How does the car accident settlement calculator work?
It adds up your economic damages (medical bills, lost wages, property damage, and out-of-pocket costs), then estimates pain and suffering by applying a severity multiplier to your medical costs and lost income. It reduces the total by your share of fault, caps the injury portion at the policy limit if you enter one, and subtracts attorney fees, case costs, and liens to show your estimated net.
What multiplier should I use for pain and suffering?
Insurance adjusters commonly use a multiplier between 1.5 and 5. Minor soft-tissue injuries with a full recovery tend to fall near the low end, while fractures, surgery, and permanent impairment push toward the high end. The calculator shows a range one point below and above your chosen multiplier because the final number is negotiated.
How does being partly at fault affect my settlement?
Most states reduce your recovery by your percentage of fault, so 20% fault cuts a $50,000 claim to $40,000. Many states bar recovery once you are 50% or 51% at fault, and a few (plus Washington, D.C.) use contributory negligence, which can bar recovery for any fault at all.
Is this estimate what my case is actually worth?
No. It is a starting point for understanding how claims are valued, not legal advice. Actual settlements depend on the evidence, your state's laws, available insurance coverage, and negotiation. A licensed personal injury attorney can evaluate your specific case, often at no upfront cost.