Car Accident Settlement Calculator
Get a free estimate of what your car accident claim could be worth. Based on real settlement data and insurance industry multiplier methods.
AccidentInjuryFinancesDetailsResults
Average Car Accident Settlement Amounts
| Injury Severity | Typical Range |
|---|---|
| Minor (whiplash, soft tissue) | $10,000 – $25,000 |
| Moderate (broken bones, herniated disc) | $25,000 – $75,000 |
| Severe (TBI, spinal cord) | $75,000 – $500,000+ |
How Car Accident Settlements Are Calculated
Insurance companies typically use one of two methods to calculate your settlement: the multiplier method or the per diem method.
The Multiplier Method
Your total medical expenses are multiplied by a factor between 1.5 and 5 (or higher for severe injuries) to estimate pain and suffering. This is then added to your economic damages (medical bills, lost wages, property damage) to arrive at a total settlement value.
Factors That Increase Your Settlement
- Clear liability (the other driver was clearly at fault)
- Documented injuries with medical records
- Police report supporting your claim
- Hiring a personal injury attorney
- Significant impact on daily life and work
Factors That Decrease Your Settlement
- Shared fault (comparative negligence)
- Pre-existing conditions
- Gaps in medical treatment
- Lack of documentation
- Low insurance policy limits