Free Personal Injury Settlement Calculator

Get a preliminary estimate for your personal injury claim in minutes. Enter a few details about your situation below to see an estimated settlement range, updated for 2026 law changes.

✓ 100% Free  ✓ No Registration Required  ✓ Updated for 2026 Law Changes

Step 1 of 4: Incident
1
Incident
2
Damages
3
Impact
4
Factors

Tell Us About Your Incident

Select the type of incident and your specific injury.

Economic Damages

Enter your financial losses related to the injury.

$
$
$

Pain & Suffering Assessment

Help us understand the non-economic impact of your injury.

Level 3
Moderate Pain
Affects daily activities
Level 3
Moderate Distress
Noticeable emotional impact

Additional Case Factors

These factors help adjust your estimate based on legal considerations.

Your Injury Estimate

This is a preliminary, educational estimate based on the data you provided.

$0 - $0

Based on your state's laws

Economic Damages

Total Economic

Non-Economic Damages

Total Non-Economic

Final Calculation

Final Estimated Value

Next Steps

Get Professional Help

Consult with a qualified attorney to discuss your case specifics and get accurate legal advice.

Find a Local Attorney

Download Report

Save a PDF summary of your estimate to share with legal counsel or for your own records.

Important Legal Disclaimer

This calculator provides a preliminary estimate based on the information you provide. It is for educational and informational purposes only and is not a guarantee of a settlement or verdict. It is not legal or medical advice. The actual value of a case can vary significantly based on many factors. You should always consult with a qualified personal injury attorney for a full case evaluation.

Comprehensive Analysis

We don't just add up your medical bills. Our calculator factors in economic damages, pain and suffering, liability, your recovery status, applicable damage caps, and comparative negligence rules the same core elements insurance adjusters and attorneys use to evaluate a real claim.

State-Specific Calculations

Settlement values aren't the same everywhere - a state's damage caps and comparative negligence rules can change your estimate significantly. Our algorithm reflects each state's current laws, including 2023–2026 tort reform changes.

Attorney Network

Once you have your estimate, you don't have to figure out the next step alone. Get connected with qualified personal injury attorneys in your area so you can move from "what's this worth?" to an actual professional case evaluation.

How We Calculate Your Estimate

This calculator uses your inputs, such as injury type, medical costs, and state, to generate a preliminary settlement range based on common compensation patterns for similar claims. It’s designed to give you a realistic starting point before you talk to an insurance company or attorney, not a guaranteed number.

Every claim is different. Actual settlements depend on factors this calculator can’t fully account for, like the strength of your evidence, how fault is disputed, and the specific insurance policies involved.

 

What affects your actual settlement

  • Medical costs: both what you’ve spent and what future treatment is expected to cost
  • Lost wages: time missed from work and any long-term impact on earning ability
  • Injury severity and permanence: a fully-healed injury is valued differently than one with lasting effects
  • Fault and liability: how much of the accident, if any, was your responsibility
  • State laws:  settlement rules and deadlines vary significantly by state
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Frequently Asked Questions.

CONTACTS

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How does the Injury Settlement Calculator determine my claim estimate?

The calculator models both economic and non-economic damages based on four key steps:

  • Incident & Injury Type: Specific injury location and accident type (e.g., motor vehicle, workplace, slip and fall).

  • Financial Losses (Economic Damages): Current and estimated future medical bills, past lost wages, and permanent impairment to future earning capacity.

  • Pain & Suffering (Non-Economic Damages): Subjective impact evaluated through pain level severity, emotional distress, and current recovery status.

  • Legal Adjustments: State-specific statutory guidelines, your proportion of comparative fault, and available insurance policy limits.

Can I use the calculator if I haven't finished my medical treatment yet?

Yes. You can input your medical bills to date alongside a realistic projection for future medical expenses (such as ongoing physical therapy, revision surgeries, or prescription management). However, final settlement negotiations with insurance adjusters typically begin after reaching Maximum Medical Improvement (MMI), ensuring all long-term medical costs are accounted for.

How does shared fault affect my estimated payout?

If you hold partial responsibility for the accident, your total recovery is adjusted based on your state's comparative fault laws. For example, in a state that applies comparative fault, if your gross damages total $100,000 but you are determined to be 20% at fault, your maximum recovery will generally be reduced by 20% to $80,000.

 

Do I need to enter any personal contact information to use this tool?

No. The calculator is 100% free and does not require registration, an email address, or a phone number to view your estimated settlement range. You can also generate and download a PDF case summary for your personal records without creating an account.

Is this settlement estimate a legal guarantee?

No. The calculator provides an educational starting point based on general claim patterns and settlement formulas. Actual case outcomes depend on variables an automated tool cannot fully assess, such as witness credibility, objective evidence (like MRI scans or dashcam footage), insurance adjuster discretion, and legal negotiation. It does not constitute formal legal advice, and you should consult a licensed personal injury attorney to evaluate your specific case.

Why does my state matter in calculating my injury settlement?

Personal injury laws vary substantially by jurisdiction. Your state determines:

  • Fault Rules: Whether your state follows pure comparative negligence (claim is reduced by your fault %), modified comparative fault (bars recovery if you are 50% or 51% at fault), or contributory negligence (bars recovery if you bear even 1% of fault).

  • Damage Caps: Many states enforce statutory caps on non-economic damages (pain and suffering), particularly in specific accident types.

  • Statutes of Limitations: The deadline to file an insurance claim or lawsuit.

Disclaimer: This calculator is an educational tool only and does not constitute legal, medical, or financial advice. Estimates are based on general compensation patterns and are not a guarantee of any specific settlement amount. Actual claim outcomes depend on the unique facts of your case, applicable state law, and negotiation or litigation factors that this tool cannot account for. Consult a licensed attorney for advice specific to your situation.