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Car Accident Settlement Calculator

Estimate the value of a car accident settlement in seconds. This calculator accounts for medical bills, vehicle repair or replacement, rental costs, lost wages, and pain & suffering, then adjusts the total for comparative fault. If you enter an insurance policy limit, the tool will warn you when your estimate exceeds available coverage.

Your Damages

3.0x
100%
If known, we'll warn you when your estimate exceeds this amount.
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Legal Disclaimer: This calculator provides estimates only and does not constitute legal advice. Actual car accident settlements depend on the at-fault driver's policy limits, your own UM/UIM coverage, state fault rules, and the strength of your evidence. Consult a licensed attorney for your specific situation.

What Affects a Car Accident Settlement

The largest factor is usually the severity of injuries — soft-tissue claims rarely exceed $25,000, while accidents causing surgery, fractures, or permanent impairment can reach six or seven figures. Property damage, rental costs, and documented lost wages add directly to the economic damages total.

Policy limits often cap recovery. Most U.S. states require only $25,000–$50,000 per-person bodily injury coverage. If your damages exceed the at-fault driver's policy and they have no recoverable assets, your own underinsured motorist coverage is usually the next source of recovery.