Estimate your car accident settlement value including medical bills, lost wages, property damage, and pain & suffering. Enter your details below for an instant range.
Fill in all available fields for the most accurate estimate. Fields marked optional may still affect your result.
📋 Medical Damages
💼 Economic Losses
⚕️ Injury & Liability
Fill in your damages above and click Calculate to see your estimate.
⚠️ Estimate only — not legal advice. Attorney fees (typically 33–40%) are not deducted from this figure. Consult a licensed attorney before making any decisions.
This calculator provides rough estimates for educational purposes only and does not constitute legal advice. Actual car accident settlements depend on insurance policy limits, comparative fault rules, evidence quality, medical documentation, prior injuries, attorney skill, and many other factors not captured here. A licensed personal injury attorney in your state can give you an actual case valuation — most work on contingency (no fee unless you recover). Do not rely on these numbers alone.
These are your out-of-pocket, quantifiable losses: medical bills (past and future), lost wages, reduced earning capacity, property damage, and other direct costs. Documented with receipts and records.
Pain and suffering, emotional distress, loss of enjoyment of life, and loss of consortium. These are calculated by multiplying your special damages by a factor (typically 1.5× to 5×) based on injury severity.
If you were partially at fault, your recovery is reduced. In pure comparative states (CA, NY), you recover even if 99% at fault. In contributory states (AL, MD, NC, VA), any fault bars recovery entirely.
The at-fault driver's bodily injury liability limits cap what you can collect from their insurer. If damages exceed limits, you may pursue your own underinsured motorist (UIM) coverage or sue personally.
Insurers and attorneys often multiply medical bills by 1.5× (minor) to 5× or more (catastrophic) to estimate pain & suffering. The stronger your documentation and the more severe the injury, the higher the multiplier.
You have a limited time to file a lawsuit — typically 2–3 years from the accident date, varying by state. Missing the deadline bars your claim permanently. Don't delay in consulting an attorney.
Facts (illustrative only — not a real case): A driver is rear-ended at a stoplight. She has $6,000 in past medical bills (ER visit, physical therapy) and expects $1,000 more in follow-up care. She missed two weeks of work, losing $2,400 in wages. Her car needed $4,500 in repairs. A police report places the other driver fully at fault, and her injury — whiplash with a full expected recovery — falls into the "Minor" severity band (1.5× multiplier).
How the estimate is built: Total medical bills = $7,000. Pain & suffering estimate = $7,000 × 1.5 = $10,500. Economic damages = $7,000 (medical) + $2,400 (wages) + $4,500 (property) = $13,900. Gross damages = $13,900 + $10,500 = $24,400. Because the other driver is 100% at fault, no fault adjustment is applied, and there is no policy-limit cap to worry about if the insurer's limits exceed this figure.
This produces a hypothetical range of roughly $12,200–$44,000 (the calculator's conservative-to-best-case spread) before attorney fees, liens, or negotiation. Your numbers will differ. This example exists only to show how the inputs connect to the output — it is not a prediction of what any real claim, including yours, is worth.
The official report often states preliminary fault findings and citations — one of the strongest pieces of evidence for the liability side of your estimate.
Every visit, diagnosis, treatment note, and bill tied to the accident — including ER intake, imaging, physical therapy, and any specialist referrals.
Vehicle damage, road conditions, visible injuries, and the accident scene, taken as close to the incident as possible.
Documentation of exact hours or income missed, ideally confirmed in writing by your employer.
At least one written estimate or invoice for vehicle repairs or a total-loss valuation from a body shop or insurer.
Names and phone numbers of anyone who saw the accident happen — memories and availability fade quickly.
Our calculator gives you a starting point. A licensed personal injury attorney gives you strategy and results — typically on contingency, so no upfront cost to you.
Find a PI Attorney →