Personal Injury Settlement Estimator
Get a realistic estimate of your personal injury claim value. Our calculator factors in medical expenses, lost income, and pain & suffering.
✓ Multiplier-based estimation
✓ Economic + non-economic damages
✓ Comparative fault adjustment
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 Personal Injury Settlements Work
A personal injury settlement is a negotiated agreement between the injured party and the at-fault party's insurance company. The goal is to compensate for economic damages (medical bills, lost wages, property damage) and non-economic damages (pain, suffering, emotional distress).
Components of a Personal Injury Claim
- Medical expenses: Past and estimated future treatment costs, including surgery, therapy, medications, and equipment
- Lost wages: Income lost during recovery, plus reduced future earning capacity if the injury affects your ability to work
- Pain and suffering: Typically 1.5–5× your medical expenses, based on injury severity
- Property damage: Vehicle repair or replacement costs, personal property
- Out-of-pocket expenses: Travel to appointments, home modifications, household help
Settlement Ranges by Injury Type
Soft tissue (whiplash, sprains): $5,000 – $25,000
Broken bones: $15,000 – $75,000
Herniated disc: $50,000 – $200,000
Traumatic brain injury: $100,000 – $1,000,000+
Spinal cord injury: $500,000 – $5,000,000+
Steps in the Settlement Process
- 1. Reach MMI: Wait until maximum medical improvement before settling — settling too early may leave future costs uncovered
- 2. Gather documentation: Medical records, bills, employment verification, photos, police report
- 3. Send demand letter: Outline your damages and settlement request to the insurance company
- 4. Negotiate: Counter-offers are typical; be prepared for 2–5 rounds of negotiation
- 5. Accept or litigate: If negotiations fail, filing a lawsuit may be necessary
⏰ Statute of Limitations
Most states require personal injury claims to be filed within 2–3 years of the accident. Missing this deadline typically bars you from recovery entirely.