1.5 – Minor (Brief treatment)
2.0 – Moderate (Physical therapy)
3.0 – Significant (Broken bones/Surgery)
4.0 – Severe (Long-term impact)
5.0 – Permanent/Catastrophic
Used to calculate pain and suffering.
Your portion of liability, if any.
Estimated Settlement Range
Economic Damages:$0.00
Pain & Suffering (Non-Economic):$0.00
Fault Reduction:-$0.00
Estimated Total:$0.00
Understanding Your Personal Injury Settlement Estimate
Calculating a personal injury settlement involves more than just adding up medical bills. Insurance adjusters and attorneys generally divide damages into two main categories: Economic and Non-Economic.
1. Economic Damages (Special Damages)
These are the verifiable financial losses you have incurred due to the accident. They include:
Medical Bills: Ambulance fees, hospital stays, doctor visits, and medications.
Lost Wages: Income lost because you were unable to work during recovery.
Future Costs: Projected expenses for ongoing therapy or long-term care.
Property Damage: The cost to repair or replace your vehicle or personal items.
2. Non-Economic Damages (Pain and Suffering)
These damages cover the physical pain, emotional distress, and loss of enjoyment of life. Since these don't have a specific price tag, lawyers often use a Multiplier (usually between 1.5 and 5). The more severe and permanent the injury, the higher the multiplier used against your medical bills and lost wages.
3. The Impact of Comparative Fault
Most states follow some form of "Comparative Negligence." If you are found to be 20% at fault for an accident, your total settlement will be reduced by 20%. Our calculator includes this field to provide a more realistic net estimate.
Real-World Example
Imagine a car accident with the following details:
Disclaimer: This calculator is for informational purposes only. Every legal case is unique. Factors like insurance policy limits, the specific jurisdiction, and the quality of evidence can drastically change the actual settlement amount. Consult with a licensed personal injury attorney for legal advice.
function calculateSettlement() {
var med = parseFloat(document.getElementById('medicalExpenses').value) || 0;
var wages = parseFloat(document.getElementById('lostWages').value) || 0;
var future = parseFloat(document.getElementById('futureCosts').value) || 0;
var property = parseFloat(document.getElementById('propertyDamage').value) || 0;
var mult = parseFloat(document.getElementById('multiplier').value) || 1.5;
var fault = parseFloat(document.getElementById('faultPercentage').value) || 0;
// Economic damages are the sum of all direct costs
var economicTotal = med + wages + future + property;
// Pain and suffering is typically a multiplier of medical expenses and lost wages
var nonEconomicTotal = (med + wages) * mult;
// Gross total before fault adjustment
var grossTotal = economicTotal + nonEconomicTotal;
// Fault reduction
var faultReduction = grossTotal * (fault / 100);
var finalTotal = grossTotal – faultReduction;
// Update UI
document.getElementById('displayEconomic').innerText = '$' + economicTotal.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('displayNonEconomic').innerText = '$' + nonEconomicTotal.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('displayFault').innerText = '-$' + faultReduction.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('displayTotal').innerText = '$' + finalTotal.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
// Show results
document.getElementById('resultsArea').style.display = 'block';
// Scroll to results
document.getElementById('resultsArea').scrollIntoView({ behavior: 'smooth', block: 'nearest' });
}