How is pain and suffering calculated?

Pain and suffering is typically calculated using a multiplier method. This involves taking your total economic damages (medical bills + lost wages) and multiplying them by a number between 1.5 and 5, depending on the severity of your injuries.

Is this settlement estimate 100% accurate?

No online calculator can provide a guaranteed settlement amount. This tool provides an estimate based on standard industry formulas to give you a baseline idea of your claim's potential value. Actual settlements depend on insurance policy limits, liability clarity, and negotiation.

Personal Injury Settlement Calculator | Free Claim Estimator

Q: What factors affect my settlement value?

Key factors include the total cost of medical treatment, amount of lost income, severity and permanence of injuries, degree of fault (liability), and the insurance coverage available.

1 Economic Damages

Enter the total financial costs incurred from your accident. Estimates are okay.

Medical Expenses ($)

Property Damage ($)

Lost Wages ($)

2 Injury Severity

Rate the severity of your injuries and pain on a scale of 1 to 5.

Severity Level

Minor
(Bruises) Moderate
(Sprains) Serious
(Fractures) Severe
(Disability) Catastrophic
(Paralysis)

Effect on Estimate:

3 Get Your Estimate

We'll generate your customized report instantly. Please confirm where to send it.

Full Name

Email Address

Phone Number

State

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How Does the Personal Injury Settlement Calculator Work?

Our free settlement value estimator uses the industry-standard "Multiplier Method" to give you a baseline idea of what your injury claim might be worth. Insurance adjusters and personal injury attorneys often use this formula as a starting point for negotiations.

Understanding the Formula

The calculation involves two main components:

Economic Damages (Special Damages): These are your calculable financial losses, such as:
- Medical bills (past and future)
- Lost wages and loss of earning capacity
- Property damage
- Out-of-pocket expenses
Non-Economic Damages (General Damages): These cover intangible losses like "pain and suffering," emotional distress, and loss of enjoyment of life. Since these don't have a receipt, we use a multiplier (typically between 1.5 and 5) based on the severity of your injury.

What Factors Affect My Settlement Value?

While our calculator provides a solid estimate, the final settlement usage often depends on:

Liability (Fault)

If you share any blame for the accident, your settlement may be reduced according to your state's comparative negligence laws.

Insurance Limits

You generally cannot recover more than the at-fault party's insurance policy limits, regardless of your total damages.

Severity of Injury

Permanent injuries, scarring, or disabilities command higher multipliers than soft-tissue injuries that heal quickly.

Medical Treatment

Gaps in treatment or lack of specialist care can be used by insurance companies to devalue your claim.

Why Hire a Personal Injury Attorney?

According to the Insurance Research Council, seeking legal representation can significantly increase your settlement amount. An experienced attorney can:

Find hidden insurance policies and coverage.
Negotiate medical liens to put more money in your pocket.
Hire experts to prove liability and future damages.
Take the case to court if the insurance company offers a lowball settlement.

Don't leave money on the table.

Get a free consultation with a top-rated local attorney today to ensure you receive the maximum compensation you deserve.

Find an Attorney Now

Settlement Value Estimator