Personal Injury Settlement Calculator

Understand the Key Factors That Impact Your Settlement

Even the most “standard” accident claim can involve a wide range of losses. Our calculator walks you through the core factors that adjust your potential settlement value. Below is a breakdown of what each field means and how it can affect your results:

Medical Expenses (Current)

These are the documented medical bills you've already paid or owe as a result of the accident, including ER visits, doctor appointments, X-rays, surgeries, and prescriptions.

If you’re unsure what to include, check your documents needed for a personal injury claim.

Property Damage

This refers to the cost of repairing or replacing your vehicle and any other damaged personal property (e.g., phone, laptop, clothing).

These expenses are often supported by mechanic estimates or insurance assessments. In most cases, property damage is handled through the at-fault party’s insurance policy.

Lost Earnings

Time missed from work due to your injuries? That counts. If your injury caused you to miss days, weeks, or even months of income, add that lost pay here.

Make sure you include any overtime, bonuses, or gig work you weren’t able to perform. If your insurance company is giving you trouble over this, review our section on dealing with insurance adjusters.

Future Lost Income

If your injuries will prevent you from working at the same capacity in the future, this category applies. A long-term disability, forced job change, or inability to return to work may significantly increase your settlement value.

This is often supported by a medical expert’s report or a vocational expert’s assessment. The denial of future income is a common tactic insurers use to lower your claim, read more about why claims are denied.

Future Medical Expenses

Injuries don’t stop at the ER. Chronic pain, surgeries, physical therapy, prescriptions, they all factor into future medical costs. Your future needs are just as important as past bills.

Understanding the time limits for filing future care claims is critical.

Pain and Suffering Multiplier

This multiplier is used to calculate non-economic damages like emotional distress, chronic pain, and impact on daily life. A low multiplier (1.5–2) is typical for minor injuries, while severe, life-altering injuries may reach 5 or higher.

Learn more about how pain and suffering are evaluated on our dedicated pain and suffering page.

Fault Percentage

Were you partially at fault? Use the slider to adjust your percentage of fault. In many states, your compensation is reduced proportionally by your percentage of responsibility.

For example, if your damages are $100,000 and you’re 20% at fault, your payout may be reduced to $80,000. To understand how fault laws work in your state, visit the state-by-state claims section.