Estimate a realistic settlement range for an accident claim using medical costs, lost income, injury severity, fault share, and policy limits. Everything runs locally in your browser.
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How the Estimate Works
ClaimRange starts with economic damages: medical bills, expected future treatment, lost wages, and property damage. It then applies an injury multiplier to model pain and suffering, adjusts for evidence strength, reduces the estimate by your share of fault, and caps the practical range at the available insurance limit.
Economic damages
These are the measurable losses insurers usually ask to document first.
Pain and suffering
The severity setting approximates how long recovery lasts and how disruptive the injury is.
Liability adjustment
A disputed fault picture can reduce negotiation value even when damages are high.
Policy limits
Insurance coverage often becomes the practical ceiling for a pre-lawsuit recovery.
Settlement Factors to Review Before You Negotiate
Emergency room records, follow-up visits, imaging, prescriptions, and therapy notes.
Proof of lost income, missed contracts, reduced hours, or diminished earning ability.
Photos, police reports, witness statements, dashcam footage, and incident reports.
Health insurance liens, medical provider balances, and reimbursement claims.
State rules for comparative negligence, filing deadlines, and damage caps.
Personal Injury Settlement Calculator FAQ
What is a good settlement range after a car accident?
A useful starting point is the documented economic loss plus a reasonable pain-and-suffering estimate, reduced for disputed fault and limited by available insurance. Serious injuries, permanent impairment, clear liability, and strong medical documentation usually increase value.
Does this calculator store my claim information?
No. The calculator runs in your browser and does not send your entries to a server.
Why can the insurance limit reduce the estimate?
Even when damages are higher, an insurer usually cannot pay more than the available policy limit unless there is another source of recovery or a bad-faith issue.