Claim Settlement Estimator
ANA›Life Services Authority›National Calculator Authority›Claim Settlement 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; } }
Claim Settlement Estimator
Estimate your insurance claim settlement amount based on medical expenses, property damage, lost wages, pain and suffering, liability percentage, and policy limits.
Medical Expenses ($)
Property Damage ($)
Lost Wages ($)
Future Medical Costs ($)
Pain & Suffering Multiplier (1–5)
Your Liability Percentage (%) — your share of fault
Policy Limit ($)
Deductible ($)
Calculate Settlement
function claCalc() { const resultDiv = document.getElementById('cla-result');
const medical = parseFloat(document.getElementById('cla-medical').value) || 0; const property = parseFloat(document.getElementById('cla-property').value) || 0; const lostWages = parseFloat(document.getElementById('cla-lost-wages').value) || 0; const futureMedical = parseFloat(document.getElementById('cla-future-medical').value) || 0; const multiplier = parseFloat(document.getElementById('cla-pain-multiplier').value); const liabilityPct = parseFloat(document.getElementById('cla-liability').value); const policyLimit = parseFloat(document.getElementById('cla-policy-limit').value); const deductible = parseFloat(document.getElementById('cla-deductible').value) || 0;
// --- Validation --- const errors = []; if (isNaN(multiplier) || multiplier 5) errors.push("Pain & Suffering Multiplier must be between 1 and 5."); if (isNaN(liabilityPct) || liabilityPct 100) errors.push("Your Liability Percentage must be between 0 and 100."); if (isNaN(policyLimit) || policyLimit 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = '⚠ ' + errors.join('⚠ ') + ''; return; }
// --- Formula --- // Step 1: Economic (special) damages const economicDamages = medical + property + lostWages + futureMedical;
// Step 2: Non-economic (general) damages — pain & suffering // Based on medical expenses only (standard industry practice) const painAndSuffering = (medical + futureMedical) * multiplier;
// Step 3: Total gross damages const grossDamages = economicDamages + painAndSuffering;
// Step 4: Apply comparative negligence (reduce by claimant's fault %) const comparativeFactor = 1 - (liabilityPct / 100); const adjustedDamages = grossDamages * comparativeFactor;
// Step 5: Apply policy limit cap const cappedAmount = Math.min(adjustedDamages, policyLimit);
// Step 6: Subtract deductible const netSettlement = Math.max(0, cappedAmount - deductible);
// --- Format --- const fmt = v => '$' + v.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
const wasCapped = adjustedDamages > policyLimit;
resultDiv.style.display = 'block'; resultDiv.innerHTML = '### Estimated Settlement: ' + fmt(netSettlement) + ' ' + '' + 'Economic Damages' + fmt(economicDamages) + '' + 'Pain & Suffering (' + multiplier.toFixed(1) + '× medical costs)' + fmt(painAndSuffering) + '' + 'Gross Damages' + fmt(grossDamages) + '' + 'Comparative Negligence Reduction (' + liabilityPct + '% fault)−' + fmt(grossDamages * (liabilityPct/100)) + '' + 'Adjusted Damages' + fmt(adjustedDamages) + '' + (wasCapped ? 'Policy Limit Cap Applied' + fmt(policyLimit) + '' : '') + 'Deductible−' + fmt(deductible) + '' + 'Net Settlement Estimate' + fmt(netSettlement) + '' + '' + (wasCapped ? '⚠ Your adjusted damages exceeded the policy limit. Settlement is capped at ' + fmt(policyLimit) + '.
' : '') + 'This is an estimate only. Actual settlements vary based on jurisdiction, insurer negotiations, and legal representation.
'; }
#### Formula
1. Economic Damages = Medical Expenses + Property Damage + Lost Wages + Future Medical Costs 2. Pain & Suffering = (Medical Expenses + Future Medical Costs) × Multiplier Multiplier: 1–2 = minor injury, 3 = moderate, 4–5 = severe/permanent 3. Gross Damages = Economic Damages + Pain & Suffering 4. Adjusted Damages = Gross Damages × (1 − Liability% ÷ 100) Comparative negligence: reduces award by claimant's share of fault 5. Capped Amount = min(Adjusted Damages, Policy Limit) 6. Net Settlement = max(0, Capped Amount − Deductible)
#### Assumptions & References
- Pain and suffering is calculated using the multiplier method, applied to medical expenses — the most widely used industry approach (Insurance Information Institute).
- Comparative negligence follows the pure comparative fault model: damages are reduced proportionally by the claimant's percentage of fault, regardless of how high that percentage is.
- Some states use modified comparative negligence (bar at 50% or 51% fault) — consult your state's laws.
- References: Insurance Information Institute (iii.org); NAIC Consumer Guide to Auto Insurance; Restatement (Third) of Torts: Apportionment of Liability.
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