Settlement Calculator

Is my settlement offer fair?

The insurance company made you an offer — but is it actually reasonable, or just a low opening? Enter your damages and the offer, and we'll show you where it falls in a realistic settlement range. Free, private, no sign-up — and we'll never tell you to "call us."

Why a neutral check? Every "is my offer fair?" page online is run by a law firm whose business depends on you not settling on your own — so "it's too low, call us" is the only answer they can give. We earn nothing either way (the site is ad-free and takes no referrals), so we can just show you the math. It's an estimate, not legal advice.
1 Where did the accident happen?

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

2 How serious were the injuries?

Adjust the pain & suffering multiplier

3 What has it cost you?
4 What was your share of fault?

Some states reduce — or entirely bar — recovery once your share crosses a threshold.

5 What did the insurer offer?

The dollar amount the insurance company has offered you so far.

Everything stays in your browser — no email, no account, and only you ever see it.

Common questions about settlement offers

Is the first car accident settlement offer always low?

Usually, yes. An insurer's first offer is typically an opening position, not its final number — it often comes in below the documented value of a claim, leaving room to negotiate up. That doesn't automatically make it bad faith; it's simply how the process starts.

How much should I counter a low offer?

A common approach is to counter above your real target so there's room to meet in the middle, anchored to your documented damages. Use the calculator for a realistic range to anchor your number, then the demand-letter generator to put the counter in writing.

Can I lose money by countering?

Generally, no — a written offer usually stays on the table while you negotiate, so a reasoned counter typically doesn't forfeit it. The real risk is signing a release too early, because that ends the claim for good even if injuries worsen. Get any uncertainty reviewed before you sign.

Is a low offer ever actually fair?

Sometimes. An offer that looks low can be legitimate if the at-fault driver's policy limit caps what's collectible, if liability is genuinely disputed, or if part of your damages isn't documented yet. A low number is a reason to check why — not always a reason to reject.

Important disclaimer

This tool gives a general estimate for informational purposes only and is not legal advice, not a valuation of your specific case, and not a guarantee of any outcome. A calculator can't see disputed liability, policy limits, the strength of your evidence, or future treatment — all of which move the real number. Laws vary by state. For serious or permanent injuries, disputed fault, or a low-balling insurer, have a licensed attorney in your state review your offer (most work on contingency). Using this tool creates no attorney–client relationship. See our full Disclaimer.