Personal Injury Case Value Estimator

Estimate the potential value of your personal injury claim based on injury type, damages, and historical settlement data. This uses the "multiplier method" commonly applied by insurance adjusters.

Injury Type

Medical Bills to Date ($)

Estimated Future Medical ($)

Lost Wages to Date ($)

Future Lost Earning Capacity ($)

Property Damage ($)

Pain & Suffering Level

Liability

Have Attorney?

Estimated Case Value Range

$65,000 - $95,000

Net to Client (after attorney fees)

$43,550 - $57,000

Damages Breakdown

Economic Damages (Specials)

$35,000

Pain & Suffering (Generals)

$30,000 - $60,000

Multiplier Used

1.5x - 3x

Typical Settlement Range

$10,000 - $25,000

⚠️ Important Disclaimer: This tool provides estimates for educational purposes only. Case values vary dramatically based on jurisdiction, insurance policy limits, jury tendencies, and many other factors. These estimates should NOT be relied upon for legal decisions. Consult with a personal injury attorney for an accurate case evaluation.

Understanding Personal Injury Settlement Values

The Multiplier Method Explained

Insurance adjusters often use a formula known as the "Multiplier Method" to estimate the value of pain and suffering. This involves taking the total medical expenses (Special Damages) and multiplying them by a factor between 1.5 and 5.

1.5 - 2.5 Multiplier: Minor injuries with quick recovery (e.g., sprains, minor whiplash).
3.0 - 4.0 Multiplier: Serious injuries requiring ongoing care, surgeries, or fractures.
4.5 - 5.0+ Multiplier: Catastrophic, permanent injuries or clear gross negligence (e.g., drunk driving accidents).

Key Factors Influencing Your Case

Beyond the medical bills, several factors can drastically alter a settlement offer:

Liability Clarity: If the other party is clearly 100% at fault, settlement values are typically higher. If you share fault (comparative negligence), the value drops.
Treatment Gaps: Delays in seeking medical attention can be used by insurance companies to argue that injuries weren't serious.
Policy Limits: You cannot recover more than the at-fault party's insurance policy limit, regardless of your case value, unless you have underinsured motorist coverage.

Why This Calculator is an Estimate

No online calculator can predict the exact outcome of a legal claim. Juries are unpredictable, and insurance negotiations depend heavily on the specific evidence, witness statements, and the skill of your legal representation.