Personal Injury Compensation Estimator
ANA›Life Services Authority›National Calculator Authority›Personal Injury Compensation 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; } }
Personal Injury Compensation Estimator
Estimate potential personal injury compensation based on medical expenses, lost income, injury severity, and other factors. This tool provides a general estimate and does not constitute legal advice.
Total Medical Expenses ($)
Estimated Future Medical Costs ($)
Lost Wages to Date ($)
Estimated Future Lost Wages ($)
Property Damage ($)
Injury Severity
-- Select Severity -- Minor (soft tissue, sprains) — Multiplier: 1.5× Moderate (fractures, moderate trauma) — Multiplier: 2.5× Serious (surgery required, significant scarring) — Multiplier: 4.0× Severe (permanent disability, major organ damage) — Multiplier: 6.0× Catastrophic (paralysis, TBI, loss of limb) — Multiplier: 9.0×
Recovery Duration (months)
Your Percentage of Fault (%)
Comparative negligence reduces your award proportionally.
Include Punitive Damages?
No Yes — Gross negligence / intentional misconduct
Estimate Compensation
function perCalc() { // --- Gather inputs --- var medExp = parseFloat(document.getElementById('per-medical-expenses').value) || 0; var futMed = parseFloat(document.getElementById('per-future-medical').value) || 0; var lostWages = parseFloat(document.getElementById('per-lost-wages').value) || 0; var futWages = parseFloat(document.getElementById('per-future-lost-wages').value) || 0; var propDmg = parseFloat(document.getElementById('per-property-damage').value) || 0; var severityVal = document.getElementById('per-injury-severity').value; var recovMonths = parseFloat(document.getElementById('per-recovery-months').value) || 0; var faultPct = parseFloat(document.getElementById('per-fault-percent').value) || 0; var punitive = parseInt(document.getElementById('per-punitive').value) || 0;
// --- Validation --- var errors = []; if (medExp 600) errors.push("Recovery duration must be between 0 and 600 months."); if (faultPct = 100) errors.push("Your fault percentage must be between 0 and 99%.");
var resultDiv = document.getElementById('per-result'); if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = 'Please fix the following errors:' + errors.map(function(e){ return ''; }).join('') + ''; return; }
var multiplier = parseFloat(severityVal);
// --- Economic Damages --- // Special damages = all out-of-pocket and quantifiable losses var specialDamages = medExp + futMed + lostWages + futWages + propDmg;
// --- Non-Economic Damages (Pain & Suffering) --- // Method: Multiplier Method applied to medical expenses (past + future) // Pain & Suffering = (medExp + futMed) × severity_multiplier // Recovery duration bonus: +2% per month beyond 3 months (capped at +60%) var basePainSuffering = (medExp + futMed) * multiplier; var durationBonus = 0; if (recovMonths > 3) { durationBonus = Math.min((recovMonths - 3) * 0.02, 0.60); } var painSuffering = basePainSuffering * (1 + durationBonus);
// --- Loss of Enjoyment / Emotional Distress --- // Estimated as 15% of pain & suffering for moderate+ injuries var lossEnjoyment = (multiplier >= 2.5) ? painSuffering * 0.15 : 0;
// --- Total Before Fault Reduction --- var totalBeforeFault = specialDamages + painSuffering + lossEnjoyment;
// --- Punitive Damages --- // Typically 1× to 3× compensatory damages; use 2× as estimate when applicable var punitiveDamages = 0; if (punitive === 1) { punitiveDamages = totalBeforeFault * 2.0; }
var totalBeforeReduction = totalBeforeFault + punitiveDamages;
// --- Comparative Negligence Reduction --- var reductionFactor = 1 - (faultPct / 100); var finalCompensation = totalBeforeReduction * reductionFactor;
// --- Attorney Fee Estimate (contingency ~33%) --- var attorneyFee = finalCompensation * 0.33; var netAfterFees = finalCompensation - attorneyFee;
// --- Format currency --- function fmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }
// --- Build result HTML --- var html = '### Compensation Estimate ';
html += ''; html += 'ComponentAmount';
// Economic html += 'Economic Damages'; html += 'Medical Expenses (past)' + fmt(medExp) + ''; html += 'Future Medical Costs' + fmt(futMed) + ''; html += 'Lost Wages (past)' + fmt(lostWages) + ''; html += 'Future Lost Wages' + fmt(futWages) + ''; html += 'Property Damage' + fmt(propDmg) + ''; html += 'Total Economic Damages' + fmt(specialDamages) + '';
// Non-economic html += 'Non-Economic Damages'; html += 'Pain & Suffering (multiplier: ' + multiplier.toFixed(1) + '×' + (durationBonus > 0 ? ', duration bonus: +' + (durationBonus*100).toFixed(0) + '%' : '') + ')' + fmt(painSuffering) + ''; if (lossEnjoyment > 0) { html += 'Loss of Enjoyment / Emotional Distress (15% of P&S)' + fmt(lossEnjoyment) + ''; } html += 'Total Non-Economic Damages' + fmt(painSuffering + lossEnjoyment) + '';
// Punitive if (punitiveDamages > 0) { html += 'Punitive Damages (2× compensatory)' + fmt(punitiveDamages) + ''; }
// Fault reduction html += 'Gross Total (before fault reduction)' + fmt(totalBeforeReduction) + ''; if (faultPct > 0) { html += 'Comparative Fault Reduction (−' + faultPct + '%)−' + fmt(totalBeforeReduction * (faultPct/100)) + ''; }
html += '';
// Final totals html += ''; html += ''; html += 'Estimated Gross Compensation' + fmt(finalCompensation) + ''; html += ''; html += 'Est. Attorney Fees (~33% contingency)−' + fmt(attorneyFee) + ''; html += ''; html += 'Estimated Net (after attorney fees)' + fmt(netAfterFees) + ''; html += '';
html += '⚠️ This is a general estimate only. Actual awards vary significantly by jurisdiction, judge/jury, and case specifics. Consult a licensed personal injury attorney for legal advice.
';
resultDiv.style.display = 'block'; resultDiv.innerHTML = html; }
#### Formula & Methodology
Step 1 — Economic (Special) Damages:
Special Damages = Medical Expenses + Future Medical + Lost Wages + Future Lost Wages + Property Damage
Step 2 — Pain & Suffering (Multiplier Method):
Base P&S = (Medical Expenses + Future Medical) × Severity Multiplier Duration Bonus = min((Recovery Months − 3) × 2%, 60%) [if recovery > 3 months] Pain & Suffering = Base P&S × (1 + Duration Bonus)
Severity Multipliers: Minor = 1.5×, Moderate = 2.5×, Serious = 4.0×, Severe = 6.0×, Catastrophic = 9.0×
Step 3 — Loss of Enjoyment / Emotional Distress:
Loss of Enjoyment = Pain & Suffering × 15% [for moderate severity and above]
Step 4 — Punitive Damages (if applicable):
Punitive Damages = (Special + Non-Economic) × 2.0
Step 5 — Comparative Negligence Reduction:
Final Compensation = Gross Total × (1 − Fault% / 100)
Step 6 — Net After Attorney Fees:
Net = Final Compensation × (1 − 0.33)
#### Assumptions & References
- The multiplier method is the most widely used approach by U.S. insurance adjusters and attorneys to calculate pain and suffering damages (Nolo Legal Encyclopedia).
- The duration bonus reflects that longer recovery periods increase pain and suffering awards proportionally.
- Comparative negligence rules apply in most U.S. states; pure contributory negligence states (AL, MD, NC, VA, DC) may bar recovery entirely if any fault is found.
- Punitive damages are awarded only in cases of gross negligence or intentional misconduct; the 2× estimate is conservative — courts have awarded up to 9× (BMW of North America v. Gore, 517 U.S. 559).
- References: Restatement (Second) of Torts §§ 903–906; 42 U.S.C. § 1981a; RAND Institute for Civil Justice — "Compensation for Accidental Injuries in the United States" (1991).
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