Car Accident Settlement Calculator
Get a free ballpark settlement estimate based on your injury type, medical costs, and lost wages.
$
Include ER, surgery, therapy, medication, future care.
$
$
Include time off work and reduced earning capacity.
1–1.5 = minor injuries; 2–3 = moderate; 3.5–5 = severe / permanent.
Comparative negligence reduces your award. 0% = other party fully at fault.
Estimated Settlement Range
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Fill in your details and click Calculate.
⚠️ Legal disclaimer: This calculator provides a rough educational estimate only. Actual settlements depend on jurisdiction, insurance policy limits, liability evidence, negotiation, and many other factors. Always consult a licensed personal injury attorney before making any legal decisions. This is not legal advice.
About Car Accident Settlement Calculator
This free tool uses the multiplier method — the most common approach attorneys and insurance adjusters use to calculate pain and suffering damages. Your special damages (medical bills + lost wages) are multiplied by an injury severity factor, then adjusted for your percentage of fault and state-level jury award norms.
Understanding the Settlement Factors
- Medical bills: Include all past costs (ER, surgery, therapy) and estimated future care (physical therapy, follow-ups)
- Lost wages: Include time already missed from work and any future reduced earning capacity from your injuries
- Pain multiplier (1–5×): Minor soft-tissue injuries use 1–1.5×; moderate injuries with recovery use 2–3×; severe, permanent, or disfiguring injuries may use 3–5×
- Fault percentage: Most US states use comparative negligence — if you were 20% at fault, your award is reduced by 20%
- State modifier: Jury awards and insurance claim norms vary significantly by state and jurisdiction
Always consult a licensed personal injury attorney before settling. Attorneys typically work on contingency (no upfront cost) and often secure 2–3× higher settlements than unrepresented claimants.