Claims Settlement Value Estimator
ANA›Life Services Authority›National Calculator Authority›Claims 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; } }
Claims Settlement Value Estimator
Estimates the fair settlement value of an insurance claim based on medical expenses, lost wages, pain and suffering, property damage, and comparative fault percentage.
Total Medical Expenses ($)
Estimated Future Medical Expenses ($)
Lost Wages to Date ($)
Future Lost Earning Capacity ($)
Property Damage ($)
Pain & Suffering Multiplier (1–5)
1 = minor injury, 5 = severe/permanent injury
Claimant's Fault Percentage (0–100%)
Comparative negligence reduction applied to final value
Calculate Settlement Value
### Estimated Settlement Value
Medical Expenses (Past) Medical Expenses (Future) Lost Wages (Past) Future Lost Earning Capacity Property Damage Pain & Suffering Gross Settlement Value Less: Comparative Fault Reduction Net Estimated Settlement Value
function claFmt(v) { return "$" + v.toLocaleString("en-US", {minimumFractionDigits: 2, maximumFractionDigits: 2}); }
function claValidate(el, mn, mx) { var errEl = document.getElementById(el.id + "_err"); var v = parseFloat(el.value); if (el.value === "" || isNaN(v)) { errEl.textContent = "Please enter a valid number."; el.classList.add("calc-input-error"); return false; } if (v mx) { errEl.textContent = "Value must be at most " + mx.toLocaleString() + "."; el.classList.add("calc-input-error"); return false; } errEl.textContent = ""; el.classList.remove("calc-input-error"); return true; }
function claGetVal(id, mn, mx) { var el = document.getElementById(id); if (!claValidate(el, mn, mx)) return null; return parseFloat(el.value); }
function claCalc() { var medical = claGetVal("cla_medical", 0, 10000000); var futureMedical = claGetVal("cla_future_medical", 0, 10000000); var lostWages = claGetVal("cla_lost_wages", 0, 5000000); var futureWages = claGetVal("cla_future_wages", 0, 5000000); var property = claGetVal("cla_property", 0, 2000000); var multiplier = claGetVal("cla_multiplier", 1, 5); var faultPct = claGetVal("cla_liability", 0, 100);
if ([medical, futureMedical, lostWages, futureWages, property, multiplier, faultPct].some(function(v){ return v === null; })) { return; }
/ * FORMULA * ------- * Special Damages (Economic) * economic = medical + futureMedical + lostWages + futureWages + property * * General Damages (Non-Economic) — Multiplier Method * pain_and_suffering = (medical + futureMedical + lostWages + futureWages) * multiplier * * Gross Settlement Value * gross = economic + pain_and_suffering * * Comparative Negligence Reduction (pure comparative fault model) * reduction = gross * (faultPct / 100) * * Net Settlement Value * net = gross - reduction = gross * (1 - faultPct / 100) /
var economic = medical + futureMedical + lostWages + futureWages + property; var painBase = medical + futureMedical + lostWages + futureWages; var painSuffering = painBase * multiplier; var gross = economic + painSuffering; var reduction = gross * (faultPct / 100); var net = gross - reduction;
document.getElementById("cla_r_medical").textContent = claFmt(medical); document.getElementById("cla_r_future_medical").textContent = claFmt(futureMedical); document.getElementById("cla_r_wages").textContent = claFmt(lostWages); document.getElementById("cla_r_future_wages").textContent = claFmt(futureWages); document.getElementById("cla_r_property").textContent = claFmt(property); document.getElementById("cla_r_pain").textContent = claFmt(painSuffering); document.getElementById("cla_r_gross").textContent = claFmt(gross); document.getElementById("cla_r_reduction").textContent = "-" + claFmt(reduction); document.getElementById("cla_r_net").textContent = claFmt(net);
var note = ""; if (faultPct >= 50) { note = "⚠️ Note: In contributory negligence jurisdictions, a fault percentage ≥ 50% may bar recovery entirely. Consult legal counsel."; } else if (faultPct > 0) { note = "ℹ️ A pure comparative fault reduction of " + faultPct + "% has been applied to the gross settlement value."; } else { note = "ℹ️ No comparative fault reduction applied. Full gross value is recoverable."; } document.getElementById("cla_r_note").textContent = note;
document.getElementById("cla_result").style.display = "block"; }
#### Formula
Economic (Special) Damages: Economic = Medicalpast + Medicalfuture + Wagespast + Wagesfuture + Property Damage
Non-Economic (General) Damages — Multiplier Method: Pain & Suffering = (Medicalpast + Medicalfuture + Wagespast + Wagesfuture) × Multiplier
Gross Settlement Value: Gross = Economic + Pain & Suffering
Comparative Negligence Reduction: Reduction = Gross × (Fault% ÷ 100)
Net Estimated Settlement Value: Net = Gross × (1 − Fault% ÷ 100)
#### Assumptions & References
- Uses the Multiplier Method (most widely used by U.S. insurers and attorneys) to calculate pain and suffering damages. The multiplier typically ranges from 1 (minor, fully healed) to 5 (severe, permanent disability).
- Applies a pure comparative fault model: the claimant's recovery is reduced proportionally by their percentage of fault, regardless of how high that percentage is.
- In contributory negligence states (AL, MD, NC, VA, DC), any claimant fault may bar recovery entirely — consult an attorney.
- In modified comparative fault states (majority of U.S.), recovery is barred if the claimant is 50% or 51% or more at fault, depending on the state.
- Property damage is treated as a direct economic loss and is not included in the pain and suffering base.
- References: Stein on Personal Injury Damages (3rd ed.); Insurance Research Council, Paying for Auto Injuries; Jury Verdict Research benchmarks.
- This tool provides an estimate only and does not constitute legal or insurance advice.
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