Personal Injury Settlement Value Estimator
Estimate the potential settlement value of a personal injury claim based on your medical expenses, lost wages, pain and suffering, and other economic and non-economic damages.
Include hospital bills, surgery, therapy, medication, and future medical costs.
Projected ongoing treatment, rehabilitation, or long-term care costs.
Income lost due to inability to work during recovery.
Estimated future income loss if injury affects long-term ability to work.
Cost to repair or replace damaged property (e.g., vehicle).
Out-of-pocket expenses such as transportation, home care, or assistive devices.
Severity factor: 1–2 = minor, 2–3 = moderate, 3–4 = serious, 4–5 = severe/permanent.
Your estimated share of fault. Reduces settlement under comparative negligence rules.
Typical contingency fee is 33%–40%. Enter 0 if self-representing.
Formula
Step 1 — Total Economic Damages:
Economic = Medical (Past) + Medical (Future) + Lost Wages + Future Earning Loss + Property Damage + Other Economic
Step 2 — Pain & Suffering (Multiplier Method):
Pain & Suffering = (Medical Past + Medical Future) × Multiplier (1–5)
Step 3 — Gross Settlement:
Gross Settlement = Total Economic + Pain & Suffering
Step 4 — Comparative Fault Adjustment:
Adjusted Settlement = Gross Settlement × (1 − Plaintiff Fault %)
Step 5 — Net to Plaintiff:
Net = Adjusted Settlement × (1 − Attorney Fee %)
Assumptions & References
- The multiplier method is the most widely used approach by insurance adjusters and attorneys to calculate non-economic (pain & suffering) damages. The multiplier is applied to medical expenses as a proxy for injury severity.
- Multiplier ranges: 1–2 = minor/temporary injuries; 2–3 = moderate injuries with recovery; 3–4 = serious injuries with lasting effects; 4–5 = severe, permanent, or catastrophic injuries.
- Comparative negligence rules (used in most U.S. states) reduce the plaintiff's recovery by their percentage of fault. In contributory negligence states (AL, MD, NC, VA, DC), any fault may bar recovery entirely.
- Attorney contingency fees typically range from 33% to 40% of the settlement amount, per the American Bar Association.
- This tool does not account for punitive damages, structured settlements, Medicare/Medicaid liens, or jurisdiction-specific damage caps.
- References: Restatement (Second) of Torts §905; NOLO Personal Injury Settlement Guide; Insurance Research Council (IRC) injury claim studies.
- This estimate is for informational purposes only and does not constitute legal advice. Consult a licensed personal injury attorney for case-specific guidance.