Free Accident Settlement Estimator

Accident Settlement
Calculator

Estimate your accident claim value based on injury severity, insurance policy limits, medical liens, and your state's fault rules. Supports car, motorcycle, truck, and pedestrian accidents.

✓ 6 Accident Types
✓ 50-State Fault Laws
✓ UM/UIM Coverage

Accident Settlement Calculator

Policy Limit Reached

Your estimated settlement exceeds the available insurance coverage ($100,000). Consider UM/UIM coverage for additional protection.

Estimated Net Settlement

$66,700–$66,700

Mid-point: $66,700

Total Economic

$38,000

Gross Estimate (Mid)

$152,000

Fault Reduction (10%)

−$15,200

Medical Liens

−$0

Attorney Fees (Mid)

−$33,300

Negligence Rule

NY: Pure Comparative

This calculator provides estimates only and does not constitute legal advice. Actual settlement values depend on many factors not modeled here. Consult a personal injury attorney for case-specific guidance.

🛡️ Insurance-aware calculations⚖️ State-specific negligence rules🔒 100% private — no data stored📋 Copy & share results

How the Accident Calculator Works

1

Enter Damages

Input medical bills (current & future), lost wages, and property damage from your accident.

2

Select Severity & Type

Choose your injury severity level and accident type. Truck and motorcycle accidents typically yield higher multipliers.

3

Insurance & Fault

Enter the at-fault policy limit, your fault percentage, and optional UM/UIM coverage to cap the estimate realistically.

4

Get Net Estimate

See your estimated range after fault reduction, policy caps, medical liens, and attorney fees are applied.

Common Accident Claim Scenarios

Rear-End Collision

The most common car accident. Typically involves whiplash and soft-tissue injuries with multipliers of 1.5–3x medical bills.

Motorcycle Crash

Motorcyclists often suffer more severe injuries. Higher severity multipliers and larger medical costs lead to bigger settlements.

Truck Accident Claim

Commercial truck policies are much higher ($1M+), so policy limits rarely cap settlements. Injuries tend to be severe.

Pedestrian Hit by Car

Pedestrians have no vehicle protection, so injuries are typically serious. Fault is often minimal for the pedestrian.

Rideshare Accident

Uber and Lyft carry $1M policies for active rides, making recovery potential significant even for moderate injuries.

Underinsured Driver

When the at-fault driver has minimal coverage, your UM/UIM policy becomes critical to filling the gap.

Frequently Asked Questions

How is an accident settlement calculated?▾
Accident settlements are typically calculated using the multiplier method: total economic damages (medical bills, lost wages, property damage) are multiplied by a factor (1.5–25x) based on injury severity. The result is then adjusted for your percentage of fault under state negligence law, capped by insurance policy limits, minus medical liens and attorney fees.
What is UM/UIM coverage and why does it matter?▾
Uninsured/Underinsured Motorist (UM/UIM) coverage is insurance you carry that pays when the at-fault driver has no insurance or insufficient coverage. If your claim exceeds the at-fault policy limit, UM/UIM coverage can bridge the gap up to your own policy limit.
How does fault percentage affect my settlement?▾
It depends on your state. In pure comparative fault states (like CA, NY), your award is reduced by your fault percentage. In modified comparative states, you are barred from recovery if your fault reaches 50% or 51%. In contributory negligence states (like VA, MD), any fault bars recovery entirely.
What are medical liens?▾
Medical liens are legal claims by healthcare providers or insurers against your settlement to recoup treatment costs they paid on your behalf. These are subtracted from your gross settlement before you receive your net payout.
Do truck accidents get higher settlements?▾
Generally yes. Commercial trucks carry much higher insurance policy limits ($1M or more), and injuries from truck accidents tend to be more severe, leading to higher multipliers and larger total settlements.
Should I accept the insurance company's first offer?▾
Insurance companies typically start with low offers. Use this calculator to understand your claim's potential value before negotiating. A personal injury attorney can often negotiate significantly higher settlements.

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