Car Accident & Personal Injury Settlement Calculator

Get a fast, neutral estimate of what a car accident or personal injury claim might be worth. We use the standard multiplier method and apply your state's negligence law — the single biggest factor most calculators ignore. Free, instant, and nothing leaves your browser.

Searching for a settlement calculator usually means handing over your email and phone number to a law firm — and still not getting a number. We do the opposite.

Instant — no sign-up. No email, no phone number, no waiting for a callback.
Private by design. The math runs in your browser; your numbers never reach us.
Neutral — not a law firm. We don't sell your info as a lead. We just show you the number and how we got it.

A few quick questions, in the order things actually happen. Everything stays in your browser, and you’ll get your estimate the moment you hit the button — no email, no waiting.

1 What happened?

Another driver injured meIt wasn’t my fault It was partly my faultBut I was injured too It was mostly my faultI caused most of it I’m not sureFault hasn’t been decided

This sets a starting point for your fault share below — you can fine-tune it later.

2 When did it happen?

Date of the accident

No date selected yet

Holidays (red) and weekends are marked, and they update for your state. Future dates can’t be selected. We use this to calculate how long you have left to file.

3 Where did it happen?

Accident state

Negligence law varies by state — we apply the correct rule for your selection.

4 How serious were the injuries?

Injury severity

Adjust the pain & suffering multiplier

Multiplier

5 What has it cost you?

Medical bills (to date)

Lost income / wages

Future losses (optional — future medical / lost earning capacity)

Property damage (optional — vehicle repair / total-loss value)

Property damage is typically paid separately from personal-injury damages but is included here so you see your total economic losses.

At-fault driver's insurance limit (optional — per person, if you know it)

Most people don't know this yet — leave it blank and we'll show your state's legal minimum as a reality check.

6 How much was your fault?

Your share of fault: 0%

This is decisive — some states bar recovery entirely once your share crosses a threshold.

How the calculator works

Most personal-injury settlements are built from two parts. Economic damages are your measurable losses — medical bills, lost wages, future costs, and property damage. Non-economic damages (pain and suffering) are harder to quantify, so adjusters and attorneys commonly estimate them by multiplying your medical bills by a factor of roughly 1.5 to 5, depending on how serious and lasting the injury is.

We add those together for a full pre-fault value, apply the negligence rule of the state where the accident happened (the step most online "calculators" skip — it can be the difference between a full recovery and zero), and then discount to a realistic settlement range, since most claims settle before trial for less than full value. See exactly how this works, and how we verify it →

Common questions

Is this an official valuation of my case?

No. It is an automated estimate to help you understand the ballpark and the factors involved. Only a licensed attorney who reviews your facts can value your claim.

Why does my state matter so much?

States divide fault differently. In a contributory-negligence state, being even 1% at fault can bar recovery entirely; in a pure comparative state you recover your share no matter what. Modified states bar recovery once your fault hits 50% or 51%.

What is the "multiplier"?

It is the standard shorthand for pain and suffering: non-economic damages ≈ your medical bills × a factor (about 1.5× for minor injuries up to ~5× for severe, permanent ones). Lost wages, future costs, and property damage are added separately as economic damages — they aren't multiplied. More on our method →

Does the calculator send my data anywhere?

No. Everything runs in your browser. Nothing is uploaded or stored.

Get an estimate for your state

Your settlement depends heavily on where the accident happened — each state divides fault differently, and a few bar recovery entirely if you share any blame. Pick your state for an estimate that applies the right rule, plus its statute of limitations and no-fault status.

Browse all 50 states + D.C. →

Important disclaimer

This tool provides a rough estimate for general informational purposes only and is not legal advice, not a guarantee, and not a substitute for a consultation with a licensed attorney. Settlement values depend on many factors this tool does not capture — disputed liability, insurance policy limits, the quality of evidence, comparative-fault findings by a court, jurisdiction-specific damage caps, and negotiation. Laws change and vary by jurisdiction. Do not act or rely on this estimate without seeking professional legal advice for your specific situation. Use of this calculator does not create an attorney–client relationship.