How much is your accident claim worth?
If you've been injured in an accident, you're probably asking yourself: "How much is my case worth?" The answer depends on several factors — your medical bills, lost wages, property damage, pain and suffering, and your state's laws.
Insurance companies use complex formulas to calculate settlements. The most common method is the multiplier method. Your economic damages (medical bills + lost wages + property damage) are multiplied by a number between 1.5 and 5, depending on the severity of your injuries.
For example: If your medical bills are $15,000 and you lost $5,000 in wages ($20,000 total), and your injuries are moderately severe with a multiplier of 3, your pain and suffering would be $60,000, making your total estimated settlement $80,000.
Why use our calculators?
- Free and instant – No email, no signup, no obligation
- Accident‑specific – Car, truck, motorcycle, pedestrian, slip and fall, workplace, malpractice, and pain & suffering
- Real data – Based on actual settlement formulas and state averages
- No pressure – Use the calculator, understand your case, then decide what to do next
📊 Quick fact: People who understand their case value before negotiating settle for 30-50% more on average. Knowledge is power — especially with insurance companies.
What affects your settlement?
- Medical bills – Current and future treatment costs
- Lost wages – Income you've missed while recovering
- Property damage – Vehicle repairs or replacement
- Pain and suffering – Physical pain, emotional distress, reduced quality of life
- State laws – Comparative negligence rules, no-fault vs at-fault, damage caps
- Insurance policy limits – You can't recover more than the at-fault party's coverage
After you use our calculator, you can submit your case for free and get connected with licensed attorneys in your state. No fee unless you win.