About this calculator
This is a free, independent tool that estimates what a US car-accident or personal-injury claim might be worth. It exists for one reason: when people search for a "settlement calculator," most of what they find isn't a calculator at all — it's a form that asks for your name, email, and phone number and routes you to a law firm without ever showing a number. We think you deserve an actual estimate, instantly, before you hand over your contact details to anyone.
What it does
The tool uses the same multiplier method that insurance adjusters and attorneys commonly use as a starting point:
- Economic damages — your measurable losses: medical bills, lost income, future costs, and property damage.
- Non-economic damages (pain and suffering) — estimated by multiplying your medical bills by a factor of roughly 1.5× to 5×, depending on how serious and lasting the injury is. Lost wages, future costs, and property damage are added separately, not multiplied.
- State negligence law — the result is then adjusted by the fault rule of the state where the accident happened. This is the step most online calculators skip, and it can be the difference between a full recovery and zero.
- A realistic settlement range — finally, we discount full case value to what claims more typically settle for before trial.
For the full method, our verification process, and an honest take on accuracy, see How accurate is this estimate?
Our principles
- Free, and actually free. No sign-up, no email wall, no “a representative will call you shortly.” You came for a number, not a sales pitch.
- Private by design. The calculation runs entirely in your browser; the figures you enter never reach us or get stored. (Honestly, we don't want them.) See our Privacy Policy.
- Neutral — genuinely. We're not a law firm, and we don't sell your details as a “lead.” Our job is to inform you, not to funnel you into someone's intake form.
- Transparent. We show our math and tell you which state rule we applied and why — no “trust us, it's complicated.”
“Okay, but what's the catch?” It's the first thing we'd wonder, too. Right now there isn't one — no ads, no sign-up, no selling your data. If this ever earns its keep, it'll be through something optional and clearly labeled, never by quietly turning you into a lead.
Accuracy & limitations
We work to keep the per-state negligence rules accurate, because that is the heart of an honest estimate. That said, this is an automated approximation, not a valuation of your specific case. Real settlements depend on disputed liability, insurance policy limits, the quality of evidence, jurisdiction-specific damage caps, and negotiation — factors a calculator cannot weigh. The people who build this tool are not attorneys, and the tool reflects general, publicly available legal principles rather than advice about your situation.
Found an error?
Accuracy matters to us. If you believe a state's rule or another detail is out of date, please tell us on the Contact page — corrections are genuinely welcome.