Injury Settlement Calculator
Get a rough, educational estimate of your personal injury claim's potential value using the same "multiplier method" insurers and attorneys commonly use as a starting point.
How this calculator works
The calculator uses the multiplier method, a common starting point for valuing personal injury claims:
- Economic damages are added up: medical expenses (past and future), lost income (past and future) and property damage.
- Pain and suffering (non-economic damages) is estimated by multiplying your medical expenses by a severity factor between 1.5 and 5.
- The total is reduced by your share of fault, reflecting comparative negligence rules used in most states.
Real-world settlements also depend on factors a calculator cannot capture: the defendant's insurance policy limits, the strength of your evidence, venue and jury tendencies, pre-existing conditions and the quality of your legal representation. Read our guide to average truck accident settlements in California for a worked example of how these factors change outcomes.
Before you can negotiate a settlement, you need to know how long you have to file one. Check yours with our statute of limitations calculator .
This calculator reduces the estimate by a flat percentage for shared fault. Real outcomes depend on your specific state's rule — some states bar recovery entirely above a fault threshold. See the comparative fault calculator for a state-specific result.
Once you have a number in mind, our demand letter generator turns the facts of your claim into a structured starting draft.
Frequently Asked Questions
How accurate is this settlement calculator?
It is an educational tool only. It applies the widely used "multiplier method" to the numbers you enter, but real settlements depend on liability evidence, insurance policy limits, venue, the strength of your documentation and negotiation. Only a licensed attorney who reviews your case can give you a reliable valuation.
What is the multiplier method?
Insurers and attorneys often estimate pain and suffering by multiplying your medical expenses by a factor between 1.5 and 5, depending on injury severity. Economic losses (medical bills, lost income, property damage) are then added on top of that amount.
Why is my estimate reduced by my percentage of fault?
Most states reduce your recovery by your share of fault (comparative negligence). For example, in a pure comparative negligence state like California, if you are 20% at fault, your compensation is reduced by 20%.
Does the estimate include attorney fees?
No. Personal injury attorneys typically work on contingency and charge roughly 33%–40% of the recovery, plus case costs. Your net recovery would be lower than the gross settlement estimate shown here.