Car Accident Settlement Calculator
Free car accident settlement calculator. Estimate your claim value based on injuries, medical bills, lost wages, and fault percentage.
🚗 Car Accident Calculator
How Car Accident Settlements Work
Car accident settlements are calculated using the multiplier method: your medical bills are multiplied by a factor of 1.5-5x depending on injury severity, then lost wages and other damages are added. The multiplier reflects pain and suffering — more serious injuries receive higher multipliers.
- Minor injuries (soft tissue): 1.5-2x multiplier
- Moderate injuries (fractures, whiplash): 2-3x multiplier
- Severe injuries (surgery needed): 3-4x multiplier
- Catastrophic (permanent disability): 4-5x+ multiplier
💡 Important
This calculator provides estimates based on national averages. Actual settlements depend on insurance policy limits, state laws, strength of evidence, and negotiation. Most personal injury attorneys work on contingency (33% of settlement).
❓ FAQ
Most car accident settlements take 3-12 months. Minor cases with clear liability may settle in 1-3 months. Complex cases with disputed liability or serious injuries can take 1-2 years. Lawsuits that go to trial can take 2-3 years.
Almost never. First offers are typically 20-40% below fair value. Insurance adjusters are trained to minimize payouts. Wait until you've finished medical treatment so you know the full extent of damages before settling.
For minor fender-benders with no injuries, you may not need a lawyer. For any case involving medical treatment, lost wages, or disputed liability, studies show that hiring a lawyer results in settlements 3-4x higher on average, even after attorney fees.