Car Accident Settlement Calculator
Get a quick estimate of what your car accident claim could be worth. Factor in medical bills, lost wages, pain and suffering, and more.
✓ Medical expense multiplier method
✓ Lost wages & future earning capacity
✓ Pain & suffering estimate
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
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.
How Car Accident Settlements Are Calculated
Insurance companies and attorneys typically use one of two methods to estimate a settlement value: the multiplier method or the per diem method. Both start with your total economic damages — medical bills, property damage, and lost income — then add compensation for non-economic damages like pain and suffering.
The Multiplier Method
Your total medical expenses are multiplied by a factor between 1.5 and 5, depending on injury severity. Minor soft tissue injuries typically use a 1.5–2× multiplier, while serious injuries (fractures, surgery, permanent disability) use 3–5×.
Example: Rear-End Collision
Medical bills: $12,000
Lost wages: $4,500
Multiplier: 2.5× (moderate whiplash)
Estimated settlement: $12,000 × 2.5 + $4,500 = $34,500
Key Factors That Increase or Decrease Your Settlement
- Documented medical treatment: Consistent treatment records strengthen your claim significantly
- Fault determination: In comparative negligence states, your settlement is reduced by your percentage of fault
- Insurance policy limits: The at-fault driver's policy cap limits the maximum payout
- Pre-existing conditions: Insurers often try to attribute injuries to prior conditions to reduce payouts
- Attorney representation: Studies show claimants with attorneys typically receive 3–3.5× higher settlements
Timeline: When to Expect a Settlement
Most car accident claims settle within 6 to 18 months. Minor fender-bender claims with clear fault may resolve in a few months, while serious injury cases with disputed liability can take 1–3 years, especially if litigation is involved.
⚠️ Important Disclaimer
This calculator provides estimates only and does not constitute legal advice. Every accident case is unique. Consult a personal injury attorney for case-specific guidance.