Insurance Claim Settlement Estimator
ANA›Life Services Authority›National Calculator Authority›Insurance 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; } }
Insurance Claim Settlement Estimator
Estimate your expected insurance claim settlement by entering your damages, policy details, and liability percentage. Results are estimates only and do not constitute a guarantee of payment.
Total Claimed Damages ($)
Your Liability Percentage (%)
Enter the percentage of fault attributed to you (0 = not at fault, 100 = fully at fault).
Policy Coverage Limit ($)
Your Deductible ($)
Prior Payments Already Received ($)
Pain & Suffering Multiplier
None (property/medical only) 1.5× — Minor injuries 2× — Moderate injuries 3× — Serious injuries 5× — Severe / permanent injuries
Multiplier applied to medical damages to estimate pain & suffering.
Medical Damages (subset of total, $)
Used only when a pain & suffering multiplier is selected.
Calculate Settlement Estimate
function insValidate(el, errId, msg) { var err = document.getElementById(errId); var val = parseFloat(el.value); var id = el.id; var ok = true;
if (el.value === "" || isNaN(val) || val 100)) { ok = false; }
err.textContent = ok ? "" : msg; return ok; }
function insGetVal(id) { var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? 0 : v; }
function insFmt(n) { return n.toLocaleString("en-US", { style: "currency", currency: "USD", minimumFractionDigits: 2 }); }
function insCalc() { / --- read inputs --- / var totalDamages = insGetVal("ins-total-damages"); var liabilityPct = insGetVal("ins-liability-pct"); var policyLimit = insGetVal("ins-policy-limit"); var deductible = insGetVal("ins-deductible"); var priorPayments = insGetVal("ins-prior-payments"); var painMult = parseFloat(document.getElementById("ins-pain-multiplier").value); var medicalDamages = insGetVal("ins-medical-damages");
/ --- basic validation --- / var errors = []; if (totalDamages 100) errors.push("Liability Percentage must be between 0 and 100."); if (policyLimit 0 && medicalDamages totalDamages) errors.push("Medical Damages cannot exceed Total Claimed Damages.");
var resultDiv = document.getElementById("ins-result"); if (errors.length > 0) { resultDiv.style.display = "block"; resultDiv.innerHTML = "Please fix the following:" + errors.map(function(e){ return ""; }).join("") + ""; return; }
/* --------------------------------------------------------------- FORMULA 1. Pain & Suffering Add-on P&S = medicalDamages × painMultiplier (0 if multiplier = 0)
-
Gross Claim Value grossClaim = totalDamages + P&S
-
Comparative Negligence Reduction claimAfterNegligence = grossClaim × (1 - liabilityPct / 100)
-
Apply Policy Limit Cap cappedClaim = min(claimAfterNegligence, policyLimit)
-
Subtract Deductible afterDeductible = max(0, cappedClaim - deductible)
-
Subtract Prior Payments estimatedSettlement = max(0, afterDeductible - priorPayments) --------------------------------------------------------------- */
var painAndSuffering = (painMult > 0) ? medicalDamages * painMult : 0; var grossClaim = totalDamages + painAndSuffering; var negligenceReduction = grossClaim * (liabilityPct / 100); var claimAfterNegligence = grossClaim - negligenceReduction; var cappedClaim = Math.min(claimAfterNegligence, policyLimit); var afterDeductible = Math.max(0, cappedClaim - deductible); var estimatedSettlement = Math.max(0, afterDeductible - priorPayments);
var limitApplied = claimAfterNegligence > policyLimit;
- / --- render result --- /
- resultDiv.style.display = "block";
- resultDiv.innerHTML =
- "### Estimated Settlement Breakdown
- " +
- "" +
- "Total Claimed Damages" + insFmt(totalDamages) + "" +
- (painMult > 0
- ? "Pain & Suffering Add-on (" + painMult + "× medical)" + insFmt(painAndSuffering) + ""
- + "Gross Claim Value" + insFmt(grossClaim) + ""
-
- "") +
- (liabilityPct > 0
- ? "Comparative Negligence Reduction (" + liabilityPct + "%)− " + insFmt(negligenceReduction) + ""
- + "Claim After Negligence Reduction" + insFmt(claimAfterNegligence) + ""
-
- "") +
- (limitApplied
- ? "Policy Limit Cap AppliedCapped at " + insFmt(policyLimit) + ""
-
- "") +
- (deductible > 0
- ? "Deductible− " + insFmt(deductible) + ""
-
- "") +
- (priorPayments > 0
- ? "Prior Payments Received− " + insFmt(priorPayments) + ""
- "") + "Estimated Settlement" + insFmt(estimatedSettlement) + "" + "" + (estimatedSettlement === 0 ? "Note: Your estimated settlement is $0.00. This may be due to high liability, deductible, or prior payments exceeding the adjusted claim.
- "
- "") + "This is an estimate only. Actual settlements depend on insurer negotiations, jurisdiction, policy terms, and legal counsel.
"; }
#### Formula
Step 1 — Pain & Suffering Add-on P&S = Medical Damages × Pain & Suffering Multiplier
Step 2 — Gross Claim Value Gross Claim = Total Claimed Damages + P&S
Step 3 — Comparative Negligence Reduction Claim After Negligence = Gross Claim × (1 − Liability% ÷ 100)
Step 4 — Policy Limit Cap Capped Claim = min(Claim After Negligence, Policy Limit)
Step 5 — Deductible After Deductible = max(0, Capped Claim − Deductible)
Step 6 — Prior Payments Estimated Settlement = max(0, After Deductible − Prior Payments)
#### Assumptions & References
- Comparative negligence follows the pure comparative fault model, where your recovery is reduced proportionally by your percentage of fault (used in CA, NY, FL, and others). Some states use modified comparative fault (50% or 51% bar rules).
- Pain & suffering multipliers (1.5×–5×) reflect common industry practice for general damages estimation. Actual multipliers vary by insurer, jurisdiction, and case specifics. Source: Insurance Information Institute (III).
- References: Insurance Information Institute (iii.org); National Association of Insurance Commissioners (NAIC); standard ISO claim settlement guidelines.
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