Personal Injury Settlement Calculator
Get a ballpark estimate for your personal injury settlement. Enter your medical expenses, lost wages, and pain severity — the calculator applies standard multipliers used by attorneys and shows the average verdict in your state for context.
Industry standard: 1.5× for minor soft-tissue · 2.5–3× moderate injuries · 4–5× severe / permanent disability
State Data
Verdict Averages by State →
See average PI jury verdicts for all 50 states
Medical Costs
Treatment Cost Guide →
Look up costs for 100 injury treatments
Settlement Calculator — Frequently Asked Questions
How is a personal injury settlement calculated?
Most settlements are calculated by multiplying medical bills (called "special damages") by a multiplier of 1.5–5 depending on severity, then adding lost wages and other economic losses. Serious injuries with long-term impact command higher multipliers. Pain and suffering is the key variable that separates low and high settlement offers.
What is a fair settlement for pain and suffering?
There is no universal formula. Attorneys typically use the "multiplier method" (medical bills × 1.5–5) or the "per diem method" (a daily dollar amount for each day you suffered). Severity of injury, recovery time, and impact on daily life all influence what insurers will pay. Documenting all symptoms and treatment is critical.
How long does a personal injury settlement take?
Simple cases (soft-tissue injuries, clear liability) often settle in 3–6 months. Complex cases involving surgery, disputed liability, or significant damages can take 1–3 years, especially if litigation is required. Most attorneys recommend waiting until you reach "maximum medical improvement" (MMI) before accepting any offer.
Should I accept the first settlement offer?
Almost never. First offers from insurance companies are typically 40–60% below what an experienced attorney can negotiate. Accepting too early also locks you out of claiming future medical costs if your injury worsens. Always consult an attorney before accepting any settlement — initial consultations are free and attorneys work on contingency.
What factors increase my settlement value?
Key factors that increase settlement value include: clear liability (the other party was clearly at fault), serious documented injuries, substantial medical bills from reputable providers, documented lost income, long recovery period, visible scarring or permanent impairment, strong witness testimony, and an experienced personal injury attorney handling the negotiation.
Ready to talk to an attorney?
A calculator gives you a range — an attorney gives you a strategy. Most personal injury attorneys offer free consultations and work on contingency, meaning no fee unless you win.
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