Personal Injury Settlement Calculator
Enter your medical bills, lost wages, property damage and injury severity to estimate what a personal injury claim might be worth — including pain and suffering, and adjusted for your share of fault.
How this estimate works
This tool uses the multiplier method, the most common way insurers and attorneys ballpark a claim. It splits your damages into two buckets:
- Economic damages — the hard, receipt-backed costs: medical bills so far, estimated future medical care, lost wages, and property damage. These are added up directly.
- Non-economic damages (pain & suffering) — harder to price. The multiplier method takes your injury-related medical and wage losses (medical so far + future medical + lost wages) and multiplies them by a severity factor — roughly 1.5 for a minor soft-tissue injury up to 8 for a catastrophic, permanent one.
The two buckets are added to get a gross claim value, then reduced by your share of fault. So the math is: economic + (injury medical & wage losses × severity multiplier), all multiplied by (1 − your fault %). Property damage is counted in economic damages but is not multiplied, because a dented bumper does not add to pain and suffering.
Personal injury FAQs
Most estimates use the multiplier method: your injury-related economic losses (medical bills, future medical care and lost wages) are multiplied by a factor — often about 1.5 to 5, and higher for catastrophic injuries — based on severity and how long the effects last. Some adjusters instead use a per-diem (daily-rate) approach. Either way it is an estimate, and the final figure comes out of negotiation.
Usually yes. Most states follow comparative negligence, which trims your recovery by your percentage of fault — 20% at fault on a $100,000 case leaves about $80,000. A handful of states use stricter rules: pure contributory negligence can bar recovery if you are even 1% at fault, and modified comparative states cut you off once your fault reaches 50% or 51%. Your state's rule matters a lot.
Usually not. First offers are typically low, sometimes arriving before your treatment is even finished. Insurers expect you to negotiate, and once you sign a release you generally cannot reopen the claim — even if your injury turns out worse than expected. Understand your likely case value before you say yes.
Each state sets a deadline called the statute of limitations — commonly a few years from the date of injury, but it varies widely by state and claim type. Miss it and your claim is almost always barred for good. Use our statute of limitations tool to see typical windows, then confirm the exact deadline with an attorney.