Car Accident Settlement Calculator
Estimate your potential car accident settlement based on real case outcomes. Answer a few questions about your accident, injuries, and treatment to get a free estimate of what similar cases have settled for.
How a Car Accident Settlement Calculator Works
A car accident settlement calculator estimates the potential value of your injury claim by analyzing key factors and comparing them to outcomes from similar cases. Unlike simple multiplier formulas that multiply your medical bills by an arbitrary number, a data-driven calculator examines how real cases with similar characteristics have actually resolved.
When you use our auto accident settlement calculator, you'll provide information about your accident type, injuries, medical treatment, and other relevant details. The calculator then matches your situation against a database of actual settlements and verdicts to generate an estimated range. This range reflects the variability inherent in legal outcomes—two seemingly identical cases can settle for very different amounts based on negotiation, evidence quality, and dozens of other factors.
The result is not a guarantee or a prediction. It's a reference point based on real data that helps you understand what comparable cases have achieved.
How Car Accident Settlements Are Calculated
Understanding how to calculate a car accident settlement helps you evaluate whether an offer is fair. Here's what determines your car accident settlement amount.
Injury Severity
The nature and extent of your injuries is the most important factor. Catastrophic injuries command substantially higher settlements than soft tissue injuries that heal completely. Your medical documentation substantiates these injuries.
Fault & Liability
When fault is clear and undisputed, settlements tend to be higher. Under comparative negligence rules, your settlement is reduced by your percentage of fault. Some states bar recovery if you're more than 50% at fault.
Insurance Limits
The at-fault driver's policy limits create a ceiling on what you can recover. Even with severe injuries, you generally can't collect more than their coverage unless you have underinsured motorist protection.
Lost Wages
Economic damages include lost income, reduced earning capacity, and out-of-pocket costs. For severe injuries affecting your ability to work long-term, economists may project lifetime earning losses.
Jurisdiction
Where your case is filed matters. Each state has different laws on fault standards and damage caps. Even within states, different counties have varying jury tendencies that influence settlements.
Medical Costs
Your total medical expenses—ER visits, surgeries, physical therapy, future treatment—form the foundation of economic damages. Consistent treatment without gaps strengthens your case.
Estimate Your Car Accident Settlement
Now that you understand how settlements are calculated, estimate your own. Free, anonymous, takes about 2 minutes.
Get My Free EstimateWhat This Calculator Is Based On
Real Case Data
Our calculator is built on actual settlements and verdicts from motor vehicle accident cases—not arbitrary multiplier formulas. When you provide your case details, we identify comparable cases and generate an estimate based on their actual results.
The database includes cases from multiple jurisdictions, covering a range of injury types, accident scenarios, and outcomes. This approach provides a more reliable reference point than generic formulas that don't account for real-world variability.
That said, every case is unique. Settlement values depend on factors that no calculator can fully capture: the quality of your evidence, the skill of your negotiation, the specific insurance adjuster assigned to your claim, and countless other variables.
Privacy: Your information is kept private. We do not share your data with insurance companies, attorneys, or any third parties.
Average Car Accident Settlement: Why Ranges Matter More
People often search for the average car accident settlement, hoping to find a single number that tells them what to expect. The reality is more complicated. National averages are largely meaningless because they combine minor fender-benders with catastrophic injury cases, obscuring any useful signal.
What matters is the settlement range for cases similar to yours:
- A whiplash injury from a rear-end collision has a different range than a traumatic brain injury
- A case with clear liability settles differently than one where fault is disputed
- A claim in a plaintiff-friendly jurisdiction often resolves higher than the same case elsewhere
Our calculator gives you a range based on cases that share key characteristics with yours—not an arbitrary average across all cases.
Car Accident Settlement Calculator FAQs
Common questions about settlement calculators and estimates
Learn More About Car Accident Settlements
Disclaimer: This calculator provides estimates for educational purposes only. It is not legal advice. Results are based on historical data and cannot predict outcomes. Consult a qualified attorney for advice about your situation.