Settlement calculator
Estimate what an injury claim could be worth using the same multiplier method insurers apply: medical bills, lost wages, injury severity and your share of fault.
This estimator uses the multiplier method insurers commonly apply to bodily-injury claims. It is an educational tool, not legal advice, and it does not predict the outcome of any specific case. Consult a licensed attorney in your state.
How the multiplier method works
Adjusters start from your economic damages — medical bills, lost wages and property damage — then multiply the medical portion by roughly 1.5 to 5 to put a number on pain and suffering. Minor soft-tissue injuries sit at the low end; surgery and permanent limitation sit at the top. Most states then reduce your recovery by your percentage of fault, and in many states being 50% or more at fault bars recovery entirely.
This tool is educational. It cannot account for policy limits, venue, your medical records or the specific facts of your case — all of which move real settlements far more than any formula. Read the full breakdown in how pain and suffering is calculated.
This calculator provides an educational estimate only and is not legal advice. It does not predict the outcome of any specific case. Consult a licensed attorney in your state.