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What Is Your
Car Accident
Settlement Worth?

Get an instant estimate based on your injury, medical bills, and lost wages. Trusted by injury victims nationwide.

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Settlement Estimate Calculator

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Estimated Settlement Range
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Based on comparable injury claims
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For informational purposes only. Not legal advice. Actual values vary by jurisdiction and case facts.

$47,000
Average PI settlement (US, 2025)
3.3×
More recovered with an attorney
94%
Of PI cases settle before trial
60 sec
To get your free estimate
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How Settlements Work

How Insurers Calculate Your Payout

Understanding the formula gives you leverage in negotiations.

  • 1

    Economic Damages

    Medical bills, lost wages, and future treatment costs are added up first. Every dollar is reimbursed.

  • 2

    Pain & Suffering Multiplier

    Economic damages are multiplied by 1.5x to 5x depending on injury severity. More serious injuries carry higher multipliers.

  • 3

    Fault & Coverage Adjustment

    Shared fault reduces your settlement. Insurance policy limits cap the maximum. An attorney knows how to work around both.

Settlement Ranges

Typical Values by Injury Type

These ranges reflect real settlement data. Your case may fall above or below based on specific facts.

Injury Type Typical Settlement Range Key Factor
Soft tissue / whiplash$3,000 – $20,000Treatment duration
Broken bone / fracture$15,000 – $75,000Location, surgery required
Back / spinal injury$25,000 – $250,000Disc involvement, nerve damage
Traumatic brain injury$100,000 – $1M+Severity, long-term impact
Required surgery$75,000 – $500,000Procedure complexity
Permanent disability$250,000 – $5M+Lost earning capacity
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Get the Settlement You Actually Deserve

Injury victims who hire an attorney recover 3.3x more than those who negotiate alone — even after the attorney’s contingency fee. You pay nothing unless they win.

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Common Questions

Settlement FAQ

Settlements combine economic damages (medical bills + lost wages) multiplied by a severity factor (1.5x–5x) for pain and suffering. Insurance adjusters use proprietary formulas designed to minimize payouts. An experienced PI attorney uses medical documentation and comparable case data to push for the higher end of your range.
The average personal injury settlement is approximately $47,000 across all injury types. The median for minor-to-moderate injuries is closer to $15,000–$25,000. Cases involving surgery, permanent injury, or wrongful death range into the hundreds of thousands or millions.
Almost never. Initial offers are designed to close your claim before you understand the full extent of your injuries. Accepting a settlement permanently waives your right to further compensation. Wait until you’ve reached maximum medical improvement (MMI) before settling, and get an attorney’s opinion on any offer you receive.
Clear-liability cases with limited injuries often settle in 3–6 months. Disputed cases or serious injuries take 12–24 months. Litigation can extend to 2–4 years. The timeline is largely determined by when you reach maximum medical improvement.
Our calculator provides a general estimate based on the key variables insurers and attorneys use to value PI claims. It is not legal advice and does not account for your state’s specific laws, insurance limits, or the exact facts of your case. Use it as a starting point, then consult an attorney for a precise evaluation.