Medical Expense Settlement Value Estimator

ANA›Life Services Authority›National Calculator Authority›Medical Expense Settlement Value Estimator

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Medical Expense Settlement Value Estimator

Estimate the potential settlement value of a personal injury claim based on your medical expenses, lost income, and non-economic damages. This tool uses the Multiplier Method, the most widely used approach by insurance adjusters and attorneys.

### Medical & Economic Damages

Total Medical Bills (Past & Future) ($)

Lost Wages & Lost Earning Capacity ($)

Property Damage ($)

Other Out-of-Pocket Expenses ($)

### Injury Severity (Pain & Suffering Multiplier)

Injury Severity

-- Select Severity -- Minor – Soft tissue, sprains, quick recovery (×1.5) Moderate – Fractures, surgery needed, months of recovery (×2.5) Significant – Permanent partial disability, chronic pain (×3.5) Severe – Permanent total disability, disfigurement (×5) Catastrophic – Paralysis, TBI, loss of limb (×7)

### Liability & Fault

Your Percentage of Fault (%)

In comparative negligence states, your award is reduced by your share of fault. Enter 0 if you bear no fault.

Defendant's Insurance Policy Limit ($) (optional)

If known, the estimate will be capped at the policy limit.

Estimate Settlement Value

function medCalc() { const resultDiv = document.getElementById('med-result');

const medBills = parseFloat(document.getElementById('med-medical-bills').value) || 0; const lostWages = parseFloat(document.getElementById('med-lost-wages').value) || 0; const propDamage = parseFloat(document.getElementById('med-property-damage').value) || 0; const otherExp = parseFloat(document.getElementById('med-other-expenses').value) || 0; const multiplierVal = document.getElementById('med-multiplier').value; const faultPct = parseFloat(document.getElementById('med-liability').value); const policyLimit = parseFloat(document.getElementById('med-insurance-limit').value) || 0;

// Validation if (medBills === 0 && lostWages === 0) { resultDiv.style.display = 'none'; return; } if (!multiplierVal) { resultDiv.style.display = 'block'; resultDiv.innerHTML = '⚠ Please select an injury severity level.'; return; }

const fault = (isNaN(faultPct) || faultPct 0) ? Math.min(netSettlement, policyLimit) : netSettlement;

// Typical negotiation range: 60%–100% of estimated value const rangeLow = cappedSettlement * 0.60; const rangeHigh = cappedSettlement;

const fmt = v => '$' + v.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});

let capNote = ''; if (policyLimit > 0 && netSettlement > policyLimit) { capNote = **Policy Limit Cap Applied** **${fmt(policyLimit)}**; }

let faultRow = ''; if (fault > 0) { faultRow = Fault Reduction (${fault}%)− ${fmt(faultReduction)}; }

resultDiv.style.display = 'block'; resultDiv.innerHTML = ` ### Settlement Estimate

Component Amount

Medical Bills${fmt(medBills)} Lost Wages & Earning Capacity${fmt(lostWages)} Property Damage${fmt(propDamage)} Other Out-of-Pocket Expenses${fmt(otherExp)}

Total Special (Economic) Damages ${fmt(specialDamages)}

Pain & Suffering (×${multiplier} on medical bills)${fmt(painAndSuffering)}

Gross Settlement Value ${fmt(grossSettlement)}

${faultRow} ${capNote}

Estimated Net Settlement ${fmt(cappedSettlement)}

Typical Negotiation Range: ${fmt(rangeLow)} – ${fmt(rangeHigh)} Insurance companies often settle at 60–100% of the estimated value depending on evidence strength, jurisdiction, and negotiation.

⚠ This is an educational estimate only. Actual settlements vary widely based on jurisdiction, evidence, attorney representation, and insurer behavior. Consult a licensed personal injury attorney for legal advice.

`; }

#### Formula Used — Multiplier Method

Step 1 — Special (Economic) Damages:

Special Damages = Medical Bills + Lost Wages + Property Damage + Other Expenses

Step 2 — General (Non-Economic) Damages (Pain & Suffering):

Pain & Suffering = Medical Bills × Severity Multiplier The multiplier ranges from 1.5 (minor injury) to 7 (catastrophic injury).

Step 3 — Gross Settlement Value:

Gross Settlement = Special Damages + Pain & Suffering

Step 4 — Comparative Fault Reduction:

Net Settlement = Gross Settlement × (1 − Fault% / 100)

Step 5 — Policy Limit Cap (if applicable):

Final Estimate = MIN(Net Settlement, Policy Limit)

Negotiation Range:

Low Estimate = Final Estimate × 0.60 High Estimate = Final Estimate × 1.00

#### Assumptions & References

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References

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