Personal Injury Settlement Calculator

Estimate the potential value of your personal injury case in seconds. Enter your medical expenses, lost wages, property damage, and a pain & suffering multiplier — results update in real time. This tool combines the standard multiplier method used by insurance adjusters with comparative-fault adjustments so you can understand a realistic settlement range before speaking with an attorney.

Enter Your Damages

Past medical expenses ($) All medical bills incurred to date.

Future medical expenses ($) Projected future treatment, surgery, therapy.

Past lost wages ($) Income lost from missed work to date.

Future lost wages ($) Diminished earning capacity going forward.

Property damage ($) Vehicle, personal property, etc.

Pain & suffering multiplier

3.0x

Other party's liability (%)

100%

Include punitive damages (gross negligence or intentional conduct)

Estimated Settlement Value

Economic damages$0

Non-economic damages (pain & suffering)$0

Punitive damages$0

Gross settlement estimate$0

Net settlement after liability adjustment$0

Estimated settlement range

Low

Mid

High

Legal Disclaimer: This calculator provides estimates only and does not constitute legal advice. Actual settlement values depend on jurisdiction, evidence, insurance policy limits, witness credibility, and many other factors. Consult a licensed attorney for your specific situation.

How the Personal Injury Multiplier Method Works

Insurance adjusters typically estimate personal injury settlements by summing all economic damages (medical bills, lost wages, property damage) and then multiplying the medical portion by a pain & suffering multiplier between 1.5x and 5x. Minor soft-tissue injuries usually warrant a 1.5x–2x multiplier, moderate injuries with full recovery sit around 3x, and severe or permanently disabling injuries can reach 4x–5x.

The resulting gross settlement is then reduced by your share of comparative fault. In pure comparative negligence states, if you are 20% at fault, your recovery is reduced by 20%. Some states apply a 50% or 51% bar on recovery — speak with an attorney about how your jurisdiction handles fault.