Accident settlement calculator: know what your claim is really worth.
Each free accident settlement calculator here values a personal injury case the way insurers and courts do: treatment costs, lost pay, and non-economic harm, then your share of fault. No sign up, no sales calls.
Every accident calculator, in one place
Choose the calculator that matches your accident. Each one walks you through the same factors an adjuster or attorney would weigh.
Car Accident Settlement
Estimate a crash claim from medical bills, lost wages, and pain and suffering.
Estimate my car settlementMotorcycle Settlement
Value a motorcycle injury claim with severity and fault factored in.
Value my motorcycle claimTruck Accident Claim
Gauge a commercial truck claim, including the higher policy limits at play.
Gauge my truck claimBicycle Compensation
Estimate compensation for a cyclist injured by a vehicle.
Estimate cyclist compensationBus Accident Claim
Value a claim from a public or private bus collision.
Value my bus injury claimGeneral Accident Claim
A quick all-purpose estimate for any personal injury claim.
Get a quick injury estimateAccident at Work
Work injury compensation with lost earnings and care costs.
Estimate my work injury claimDiminished Value
Find how much value your car lost even after it was fully repaired.
Find my car's lost valueAccident Reconstruction
Estimate speed and impact force from skid marks and crush data.
Reconstruct crash speedAccident Probability
Model the odds of a crash across miles, roads, and conditions.
Check my crash oddsIncident Rate (UK)
Calculate workplace accident incident and frequency rates.
Calculate my incident rateWhich accident settlement calculator fits your case?
The tools above fall into four groups, and only the first two estimate a payout.
- Injury on the road. The car accident settlement calculator and the motorcycle, truck, bicycle, and bus versions value bodily injury the same core way, then adjust for that crash type. Truck cases usually involve a commercial policy: federal rules require for-hire interstate carriers of general freight in vehicles of 10,001 pounds or more to carry at least $750,000 in liability coverage (49 CFR 387.9).
- Any other personal injury. A fall in a store, a dog bite, or anything without a vehicle goes in the general personal injury calculator. Hurt on the job? The work calculator centers on lost earnings and care costs.
- Damage to your car, not to you. The diminished value tool measures the resale value a vehicle loses even after a full repair. That is a property damage claim, separate from the injury side; see what a diminished value claim is.
- Analysis, not payouts. Reconstruction estimates crash speed from skid marks, the probability tool models crash odds, and the UK incident rate calculator gives employers workplace frequency rates.
From your numbers to an estimate in three steps
Enter your details
Add your medical bills, lost income, and how the injury has affected daily life. Every field is optional.
See a full breakdown
We apply standard multipliers and per diem methods, then show every receipted loss and the non-economic figure line by line.
Use it with confidence
Take a realistic range into any conversation with an insurer or attorney, so you are never negotiating blind.
How the settlement math works
Every personal injury settlement starts with two layers. The first is the losses with receipts: treatment, future medical care, lost wages, and lost income. The second, the pain and lost enjoyment of life an injury causes, has no receipt, so adjusters and injury lawyers price it one of two ways.
- Multiplier method. The receipted losses times a factor, usually between 1.5 and 5, that rises with injury severity, recovery time, and permanence. Nolo notes adjusters tend to argue for the low end, perhaps 2 or 3.
- Per diem method. A daily dollar rate times the days you lived with the injury. It suits short, well-defined recoveries.
The sample at the top of this page uses a 1.5 multiplier: $18,400 in treatment plus $6,200 in lost wages is $24,600, and 1.5 times that adds $36,900, for $61,500. At 20% fault in a comparative negligence state, that drops to $49,200. In Alabama, Maryland, North Carolina, Virginia, and Washington, D.C., which still follow contributory negligence (per Cornell’s Legal Information Institute), any fault on your part can bar recovery.
Two outside limits matter more than the math. The at-fault driver’s policy limit is often the real ceiling on what an insurance company will pay. And every state sets a statute of limitations for filing a personal injury lawsuit; miss it and the case is usually barred.
Honest math, not a lead form in disguise
Most online injury calculators exist to capture your phone number. Ours exist to give you a straight answer.
Private by design
Everything runs in your browser. We do not store your entries, sell your data, or hand you to a call center.
Grounded in real methods
We use the multiplier and per diem approaches insurers and injury attorneys actually apply to value claims.
Clear and itemized
You see how every dollar is built up, so you can sanity check the estimate and explain it to anyone.
Settlement guides that explain the numbers
Plain English answers to the questions people ask right after a crash. Check typical payouts by injury type before you lean on any accident settlement calculator figure, then read how long the process takes so the timeline does not push you into a low offer.
Average Car Accident Settlement Amounts
What real claims tend to pay out.
Pain and Suffering Settlement Examples
How non-economic damages are valued.
Average Settlement by Injury Type
Payouts broken down by injury.
How Long Does a Settlement Take?
Typical timelines from claim to check.
Whiplash Claim Amounts
What whiplash injuries commonly settle for.
Comparative vs Contributory Negligence
How fault rules change your payout.
What Is a Diminished Value Claim?
Recovering lost resale value.
Diminished Value Claim by State
State by state rules and limits.
OSHA Incident Rate: How to Calculate
The formula and worked examples.
Frequently asked questions about accident settlement calculators
How accurate are these calculators?
They give a realistic range using the same multiplier and per diem methods insurers and attorneys use. No calculator can guarantee an outcome, because settlements depend on evidence, liability, and policy limits, but a good estimate keeps you from settling for far too little.
Do I have to enter any personal information?
No. There is no sign up and no contact form to reach a result. You enter accident and injury figures only, and the math runs in your browser.
What is included in a settlement estimate?
Economic losses such as medical bills and lost wages, plus non-economic damages such as pain, stress, and loss of enjoyment of life. The breakdown shows each part so you understand where the total comes from.
Is this legal advice?
No. AccidentCalcs is an educational tool, not a law firm. For advice on your specific claim, speak with a licensed attorney in your state or country; many personal injury attorneys offer a free consultation.
How do insurers put a number on pain?
Most adjusters multiply documented treatment costs and lost wages by a severity factor, commonly 1.5 to 5, or assign a daily rate for each day of recovery. Gaps in treatment, thin medical records, and disputed fault usually pull the figure down.
How much of a payout will I actually keep?
Less than the gross figure. Attorney fees under a contingency agreement, case costs, and any medical liens or health insurer reimbursement claims come out of the gross amount before you receive the rest. Ask for a written closing statement that lists every deduction.
Does my state’s law affect the settlement amount?
Yes, in three ways: the fault rule, the statute of limitations for filing suit, and any caps on certain damages. Shared blame can cut a payout or erase it, depending on the state; the comparative vs contributory negligence guide explains each rule.
See what your claim could be worth
Pick your accident type and get a clear, itemized estimate in about a minute. No email, no phone call, no pressure.
Disclaimer: AccidentCalcs provides general estimates for educational purposes only and is not a law firm or an insurer. Results are not a promise of any settlement and do not constitute legal advice. Consult a licensed attorney about your specific claim.