Liability Settlement Value Estimator

ANA›Life Services Authority›National Calculator Authority›Liability 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; } }

Liability Settlement Value Estimator

Estimates the fair settlement value of a liability claim by combining economic damages (medical expenses, lost wages, future costs) with non-economic damages (pain and suffering), adjusted for comparative fault and policy limits.

Total Medical Expenses ($)

Estimated Future Medical Costs ($)

Lost Wages to Date ($)

Future Lost Earning Capacity ($)

Pain & Suffering Multiplier (1–5) 1 = minor injury, 3 = moderate, 5 = severe/permanent

Your Liability Percentage (0–100%) Your share of fault under comparative negligence rules

Defendant's Policy Limit ($) Enter 0 if unknown or unlimited

Estimate Settlement Value

function liaCalc() { var resultDiv = document.getElementById("lia_result");

var medical = parseFloat(document.getElementById("lia_medical").value); var futureMed = parseFloat(document.getElementById("lia_future_medical").value); var lostWages = parseFloat(document.getElementById("lia_lost_wages").value); var futureWages = parseFloat(document.getElementById("lia_future_wages").value); var multiplier = parseFloat(document.getElementById("lia_multiplier").value); var liabilityPct = parseFloat(document.getElementById("lia_liability").value); var policyLimit = parseFloat(document.getElementById("lia_policy").value);

// --- Validation --- var errors = [];

if (isNaN(medical) || medical 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.innerHTML = "" + errors.join("") + ""; resultDiv.style.display = "block"; return; }

// --- Core Formula --- // Step 1: Total economic damages var economicDamages = medical + futureMed + lostWages + futureWages;

// Step 2: Pain & suffering (non-economic) = medical expenses only × multiplier // (Industry standard: multiplier applied to medical bills, not all economic damages) var painSuffering = (medical + futureMed) * multiplier;

// Step 3: Gross settlement value var grossValue = economicDamages + painSuffering;

// Step 4: Adjust for comparative fault // Under pure comparative negligence: recovery reduced by claimant's fault % var faultReduction = grossValue * (liabilityPct / 100); var netValue = grossValue - faultReduction;

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

// --- Format currency --- function fmt(n) { return "$" + n.toLocaleString("en-US", {minimumFractionDigits: 2, maximumFractionDigits: 2}); }

var policyNote = cappedByPolicy
? "Capped at Policy Limit" + fmt(finalValue) + ""
"";
var liabilityNote = liabilityPct > 0
? "Fault Reduction (" + liabilityPct + "%)- " + fmt(faultReduction) + ""
"";

resultDiv.innerHTML = "### Settlement Value Estimate " + "" + "ComponentAmount" + "Medical Expenses (past)" + fmt(medical) + "" + "Future Medical Costs" + fmt(futureMed) + "" + "Lost Wages (past)" + fmt(lostWages) + "" + "Future Lost Earning Capacity" + fmt(futureWages) + "" + "Total Economic Damages" + fmt(economicDamages) + "" + "Pain & Suffering (×" + multiplier + ")" + fmt(painSuffering) + "" + "Gross Settlement Value" + fmt(grossValue) + "" + liabilityNote + "Net Value After Fault Adjustment" + fmt(netValue) + "" + policyNote + "" + "Estimated Settlement Value: " + fmt(finalValue) + "" + (cappedByPolicy ? "⚠ The calculated value exceeds the defendant's policy limit of " + fmt(policyLimit) + ". Recovery may be limited unless the defendant has personal assets.

" : "") + (liabilityPct >= 50 ? "⚠ In many states using modified comparative negligence, a claimant who is 50% or more at fault may be barred from recovery. Consult an attorney.

" : "");

resultDiv.style.display = "block"; }

#### Formula

1. Economic Damages Economic Damages = Medical Expenses + Future Medical Costs + Lost Wages + Future Lost Earning Capacity

2. Pain & Suffering (Non-Economic Damages) Pain & Suffering = (Medical Expenses + Future Medical Costs) × Multiplier Multiplier range: 1 (minor) → 5 (severe/permanent)

3. Gross Settlement Value Gross Value = Economic Damages + Pain & Suffering

4. Comparative Fault Adjustment Net Value = Gross Value × (1 − Your Liability % / 100)

5. Policy Limit Cap Final Value = min(Net Value, Policy Limit) [if policy limit > 0]

#### Assumptions & References

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References

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