Personal Injury Settlement Estimator

Results update instantly. State laws, negligence rules, and filing deadlines included.

Estimated Settlement Range

Select injury type below

Without attorney

—

With attorney (net)

—

Your State

State laws determine how fault affects your payout and cap on pain & suffering

⏰

— View state statute →

Type of Injury

The severity of your injury determines the pain & suffering multiplier — insurers use this to value non-economic damages.

Whiplash / Soft Tissue

Sprains, strains, minor neck/back injuries. Usually resolves in weeks to months with conservative treatment.

1.5×Minor

Broken Bone / Fracture

Documented fractures with x-ray evidence. Clear proof of injury strengthens your claim.

2.5×Moderate

Herniated Disc / Back Injury

Disc injuries confirmed by MRI. Often require injections, physical therapy, or surgery.

3.0×Significant

Brain Injury / Concussion

Traumatic brain injury or concussion with cognitive symptoms. Long-term impact may be substantial.

4.0×Serious

Severe / Catastrophic Injury

Permanent disability, paralysis, disfigurement, or life-altering impairment. Maximum damages apply.

5.0×Catastrophic

What does the multiplier mean? Insurance adjusters calculate pain & suffering by multiplying your medical bills by a factor based on injury severity. A 3.0× multiplier on $20,000 in bills = $60,000 in pain & suffering — on top of your medical costs. Attorneys know how to argue for the highest justifiable multiplier.

Did you require surgery?

Surgery significantly increases settlement value — it's objective evidence of serious injury.

No surgeryYes (adds +0.5×)

Total Medical Bills So Far

Hospital, ER, ambulance, specialists, physical therapy, prescriptions, imaging. Include everything billed — not just what insurance paid.

💡 Use the total billed amount — even if insurance covered part of it. Insurers use gross billing, not what you paid out of pocket.

Estimated Future Medical Costs

Ongoing treatment, surgery you haven't had yet, long-term therapy or medication. An attorney can get a medical expert to project these — this often adds significant value.

None / UnknownUnder $5,000$5,000 – $20,000Over $20,000

Lost Income

Days missed from work, reduced hours, lost business income, or future earning capacity if your injury affects your ability to work long-term.

Your Share of Fault

Be honest here — your state's negligence rule determines whether shared fault reduces or eliminates your recovery entirely.

Not at fault

The other party was entirely responsible

Partially at fault (~20%)

Some shared responsibility — you contributed to the accident

Mostly at fault (50%+)

You were primarily responsible for the accident

How This Estimate Was Calculated

Estimate only. Actual settlements vary based on insurance policy limits, liability strength, and negotiation. An attorney's analysis will be more accurate.

Estimated Settlement Range

Select injury type

Without attorney—

With attorney (gross)—

Your net after 33% fee—

Fill in the form to see your estimate

⚠️ Going without an attorney could cost you everything

• Insurance adjusters are trained to pay you as little as possible — it's their job

• They'll offer a quick settlement before you know your full injury

• They'll ask for a recorded statement to use against you later

• In contributory-negligence states, 1% of fault = $0 recovery

• Once you sign, it's permanent — even if injuries worsen

Insurance Research Council (IRC) Study

3.5×

Victims with attorneys receive 3.5× more on average — even after legal fees

⏰ Filing Deadline in Your State

View official state statute →

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This tool provides general estimates only and does not constitute legal advice. Consult a licensed attorney in your state.

⚠️ Going without an attorney could cost you everything

• Adjusters are trained to pay you as little as possible

• They offer quick settlements before you know your full injury

• Recorded statements are used against you

• Once you sign, it's permanent — even if injuries worsen

3.5×

more with an attorney

Victims represented by attorneys receive 3.5× more on average — even after paying legal fees (Insurance Research Council)

⚖️

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