Auto Claim Settlement Value Estimator

ANA›Life Services Authority›National Calculator Authority›Auto Claim Settlement Value Estimator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Auto Claim Settlement Value Estimator

Estimate the fair settlement value of an auto insurance claim by entering vehicle damage costs, medical expenses, lost wages, and other relevant factors. This tool uses the standard Multiplier Method widely used by insurance adjusters and attorneys.

Vehicle Repair / Total Loss Value ($)

Total Medical Expenses ($) ER visits, surgery, therapy, prescriptions

Estimated Future Medical Costs ($) Ongoing treatment, rehabilitation

Lost Wages to Date ($) Income lost due to injury/accident

Future Lost Earning Capacity ($) If injury affects long-term employment

Other Property Damage ($) Personal items, rental car, towing

Pain & Suffering Multiplier (1–5) 1=minor, 2=moderate, 3=serious, 4=severe, 5=catastrophic

Claimant's Fault Percentage (%) 0% = not at fault; reduces settlement under comparative negligence

At-Fault Driver's Policy Limit ($) Maximum the insurer will pay; 0 = unknown/unlimited

Calculate Settlement Estimate

function autValidate(el, min, max) { var err = document.getElementById(el.id + '-err'); var v = parseFloat(el.value); if (el.value === '' || isNaN(v)) { err.textContent = ''; el.style.borderColor = ''; return true; } if (v max) { err.textContent = 'Enter a value between ' + min + ' and ' + max + '.'; el.style.borderColor = '#e74c3c'; return false; } err.textContent = ''; el.style.borderColor = '#27ae60'; return true; }

function autGetVal(id, defaultVal) { var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? defaultVal : v; }

function autFmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }

function autCalc() { // --- Collect inputs --- var vehicleDamage = autGetVal('aut-vehicle-damage', 0); var medicalExp = autGetVal('aut-medical-expenses', 0); var futureMedical = autGetVal('aut-future-medical', 0); var lostWages = autGetVal('aut-lost-wages', 0); var futureWages = autGetVal('aut-future-wages', 0); var propertyOther = autGetVal('aut-property-other', 0); var multiplier = autGetVal('aut-multiplier', 1.5); var faultPct = autGetVal('aut-fault-pct', 0); var policyLimit = autGetVal('aut-policy-limit', 0);

// --- Validation --- var valid = true; if (multiplier 5) { document.getElementById('aut-multiplier-err').textContent = 'Multiplier must be between 1 and 5.'; valid = false; } if (faultPct 99) { document.getElementById('aut-fault-pct-err').textContent = 'Fault % must be between 0 and 99.'; valid = false; } if (!valid) return;

// --- Formula: Multiplier Method --- // Step 1: Total Special Damages (Economic losses) var totalMedical = medicalExp + futureMedical; var totalWages = lostWages + futureWages; var specialDamages = totalMedical + totalWages + vehicleDamage + propertyOther;

// Step 2: General Damages (Pain & Suffering) = Medical Expenses × Multiplier // Note: Vehicle damage and property are excluded from the multiplier base var painSufferingBase = totalMedical + totalWages; var generalDamages = painSufferingBase * multiplier;

// Step 3: Gross Settlement Value var grossSettlement = specialDamages + generalDamages;

// Step 4: Reduce by claimant's comparative fault var faultReduction = grossSettlement * (faultPct / 100); var netSettlement = grossSettlement - faultReduction;

// Step 5: Cap at policy limit (if provided and > 0) var cappedByPolicy = false; var finalSettlement = netSettlement; if (policyLimit > 0 && netSettlement > policyLimit) { finalSettlement = policyLimit; cappedByPolicy = true; }

// --- Low / High range (±15%) --- var lowEstimate = finalSettlement * 0.85; var highEstimate = finalSettlement * 1.15;

// --- Severity label --- var severity = multiplier '; html += 'ComponentAmount'; html += 'Vehicle Damage' + autFmt(vehicleDamage) + ''; html += 'Medical Expenses (Past)' + autFmt(medicalExp) + ''; html += 'Future Medical Costs' + autFmt(futureMedical) + ''; html += 'Lost Wages (Past)' + autFmt(lostWages) + ''; html += 'Future Lost Earnings' + autFmt(futureWages) + ''; html += 'Other Property Damage' + autFmt(propertyOther) + ''; html += 'Total Special Damages' + autFmt(specialDamages) + ''; html += 'Pain & Suffering Base' + autFmt(painSufferingBase) + ''; html += 'Multiplier (' + severity + ')× ' + multiplier.toFixed(1) + ''; html += 'General Damages (Pain & Suffering)' + autFmt(generalDamages) + ''; html += 'Gross Settlement Value' + autFmt(grossSettlement) + ''; if (faultPct > 0) { html += 'Fault Reduction (' + faultPct + '%)− ' + autFmt(faultReduction) + ''; html += 'Net Settlement (After Fault)' + autFmt(netSettlement) + ''; } if (cappedByPolicy) { html += '⚠ Settlement capped at policy limit of ' + autFmt(policyLimit) + ''; } html += '';

html += ''; html += 'Estimated Settlement Range'; html += '' + autFmt(lowEstimate) + ' – ' + autFmt(highEstimate) + ''; html += 'Midpoint: ' + autFmt(finalSettlement) + ''; html += '';

if (faultPct >= 50) { html += '⚠ In contributory negligence states, being 50% or more at fault may bar recovery entirely. Consult an attorney.

'; }

var resultDiv = document.getElementById('aut-result'); resultDiv.innerHTML = html; resultDiv.style.display = 'block'; resultDiv.scrollIntoView({behavior: 'smooth', block: 'start'}); }

#### Formula Used — Multiplier Method

Step 1 — Special Damages (Economic)

Special Damages = Vehicle Damage + Medical (Past + Future) + Lost Wages (Past + Future) + Other Property Step 2 — General Damages (Pain & Suffering)

Pain & Suffering Base = Medical Expenses (Past + Future) + Lost Wages (Past + Future) General Damages = Pain & Suffering Base × Multiplier (1–5) Step 3 — Gross Settlement

Gross Settlement = Special Damages + General Damages Step 4 — Comparative Fault Reduction

Net Settlement = Gross Settlement × (1 − Claimant Fault %) Step 5 — Policy Limit Cap

Final Settlement = min(Net Settlement, Policy Limit) [if policy limit provided] Estimated Range: Final Settlement ± 15%

#### Assumptions & References

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References

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