Car Accident Settlement Calculator

Use this car accident settlement calculator to estimate your claim’s value, and understand variables that impact how much your case may be worth. Factors that affect the value of a car accident settlement include medical expenses, lost wages, and pain and suffering.

Table of Contents

Settlement Calculator

Enter the estimated total of your past and any outstanding medical bills. Include the estimated future medical expenses.

Enter the estimated value of past and future lost wages due to hospital stays, physical therapy, doctor appointments, and vacation/sick days related to recovery.

Enter the expected value for any property that was damaged as a result of the accident.

This calculator uses the multiplier method, which uses a multiplier (between 1 and 5) to calculate total economic damages. You can use these guidelines for a rough estimate:

  • 1.5x multiplier: For minor injuries like lacerations and bruising.
  • 3x multiplier: For moderate injuries like broken or fractured bones.
  • 4.5x multiplier: For long-lasting severe injuries such as organ damages, permanent disfigurement, PTSD, and nerve damage.

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Note: This is not a guaranteed settlement amount that you will receive, and is intended to provide a general idea of how much your car accident claim may be worth.

According to a study by Nolo, 91% of people who hired a lawyer received a settlement. Additionally, the study showed that hiring a personal injury lawyer is the most important step you can take to increase your chances of getting compensation. More than 9 out of 10 individuals who had legal representation received a settlement or award, compared to about half of those who handled their own injury claims.

Example Car Accident Settlements

The average settlement amount for car accidents is $212,325, while the median settlement amount is $25,000, which more accurately represents typical car accident settlements. This information is derived from an analysis of over 3,600 auto accident cases documented by Thomson Reuters between 2019 and 2024.

  • $25K settlement – A minor was injured when the vehicle he was a passenger in, operated by a driver, veered off the road and into a ditch. The individual sustained a displaced fracture in the upper arm due to the accident. Represented by his mother, it was argued that the driver was negligent, having driven too quickly for the road conditions, which led to the accident. The involved parties reached a settlement regarding the accident and the injuries sustained.
  • $150K settlement – An individual was operating her vehicle when another driver, traveling in the opposite direction and allegedly intoxicated, lost control and slid sideways into her lane. The individual attempted to swerve to avoid a collision but was unable to, resulting in her vehicle striking the side of the oncoming vehicle. The other driver had to be extracted from their vehicle and was airlifted to a hospital, later being charged with DUI. The injuries sustained included cervical, thoracic, and lumbar spine injuries, joint dysfunction with muscle spasms, severe whiplash, post-traumatic headaches, and post-traumatic stress disorder. Medical costs alone exceeded $20K.
  • $1M settlement – An accident occurred when a vehicle, carrying several passengers, entered a curve on a road and collided head-on with another vehicle coming from the opposite direction. The individual driving and two passengers died, while another passenger sustained spine injuries. A lawsuit was filed against the entity responsible for the road’s maintenance, claiming the road design contributed to the accident by not allowing sufficient visibility to avoid the collision. The defending entity denied responsibility, attributing the accident to the negligence of the individuals driving the vehicles. Ultimately, the parties reached a settlement, with the amount agreed upon exceeding $1 million.

For examples and information about historical cases, view all of our car accident settlement examples.

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How Car Accident Settlements Are Calculated

How car accident settlements are calculated will often vary due to the unique variables of each case and governing state laws. However, here are some of the most common methods used to calculate personal injury settlements…

Multiplier Method: The multiplier method (as used in the calculator above) uses a formula that adds all economic damages (such as medical expenses, lost wages, and property damages) and then multiplies the sum of medical expenses by a number (referred to as the multiplier) to determine a value for non-economic damages such as pain and suffering. The multiplier typically ranges from 1.5 to 5, and varies depending on the severity of the injuries and other factors associated with the accident.

🛈 Example: Let’s say the economic damages (medical bills, property damage, and lost wages) following a car accident amount to $52,500. If the severity of the injuries and the impact on the victim’s life justify a multiplier of 4, the calculation for the car accident settlement would be: $52,500 (economic damages) x 4 (multiplier) = $210,000.

Per Diem Method: This calculation method assigns a daily rate for pain and suffering, and then multiplies that rate by the number of days the injured party was affected.

🛈 Example: Suppose a person suffers a back injury that affects them for 150 days. If a daily rate of $150 is deemed appropriate for pain and suffering, the calculation would be: $150 (daily rate) x 150 (days) = $22,500 for pain and suffering, in addition to economic damages.

Comparative Negligence Adjustment: In personal injury cases where both parties found to be at fault, the settlement amount may be adjusted based on the percentage of fault attributed to each party.

🛈 Example: A car accident results in economic damages of $25,000 and the injured party suffers injuries that justify a multiplier of 3.5 for a total of $87,500. However, the injured party is found to be 30% at fault for the accident. The adjusted car accident settlement amount would be: $87,500 – (30% of $87,500) = $87,500 – $26,250 = $61,250.

Structured Settlement: Instead of a lump-sum payment, some settlements are structured to provide regular payments over a period of time. This can provide an additional source of income for the accident victim. This type of settlement can be beneficial in cases involving long-term care and/or lost wages.

🛈 Example: Instead of a lump sum settlement of $120,000, the injured party might opt for a structured settlement that provides $15,000 per year for 10 years. This arrangement offers a consistent income stream and can be particularly beneficial if the injured party requires ongoing medical treatment.

Settlement Negotiations: Often, the settlement agreement is finalized through negotiations between the injured party (or their attorney) and the insurance company. Case factors such as evidence and the insurance policy limits can all have an impact on the negotiation process.

🛈 Example: Initially, the insurance company offers a settlement of $40,000 for a pedestrian accident. After negotiations, taking into account the severity of the injuries and the impact on the victim’s life, the parties agree to a final settlement of $55,000.

The examples above are meant to illustrate the different calculation methods for car accident settlements. These calculations are simplified for clarity and general understanding. In real-world personal injury claims, calculations can be more complex by including various other factors that may influence the final settlement amount.

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Each car accident claim is unique, and the methods used to calculate and negotiate the settlement amount will vary depending on the unique circumstances of your case in addition to governing state laws. Consulting with an experienced car accident attorney can help ensure that you receive a fair settlement.

Getting started with your auto accident claim is easy. Just request a free case evaluation online, and a legal team in our network will reach out to you regarding your case. Our network of attorneys includes a team of over 250+ legal professionals throughout the United States with over $1 billion recovered for clients, including those who have suffered injuries as a result of car accidents.

⚖️ All of our attorneys work on a contingency fee basis, meaning there are no upfront legal fees or costs — you only pay if you win.

Frequently Asked Questions (FAQs)

How much does a car accident lawyer cost?

The majority of auto accident attorneys work on a contingency fee basis, meaning that there are no upfront legal fees or costs. Rather, a portion of the final settlement or verdict is used to pay attorney fees, which commonly ranges from 30% to 40%.

How will a car accident lawyer help?

Studies have shown that individuals who have legal representation have higher settlement amounts. The study by Nolo found that 91% of people who hired an attorney received a settlement and the individuals who had legal representation (compared to those who did not) received significantly higher payouts from their settlements. A car accident lawyer can help you build a strong claim, collect evidence, and negotiate with the insurance company to ensure that you receive the maximum compensation.

How long do I have to file a car accident claim?

The car accident statute of limitations (or deadline to file a claim) varies by state. In the United States, it ranges from 1 to 6 years, with most states having a 1 to 3 year deadline – all which begin from the date of the injury. If the injury was not discovered right away, some states allow a deadline to begin from the date that the injury was discovered.

It’s important to check the specific laws in your state or the state where the injury occurred to understand the statute of limitations that apply to your case. Missing the deadline can prevent you from filing a claim later.

How long will my car accident case take?

Auto accident cases with clear liability and moderate injuries are often resolved within 6 to 12 months. However, the amount of time it takes to resolve a claim depends on many case factors such as the severity of injuries, complexities of the claim, and if the case goes to trial.

About

We use settlement calculators to help individuals estimate how much compensation they may receive from their personal injury claim. We partner with law firms throughout the United States to help produce the most accurate results. Our content and calculators are created with the help of top-rated attorneys and legal professionals.

Accident type Avg. Settlement
Drunk driver $262,479
Uninsured driver $128,129
Hit-and-run $87,233
Rear-end $181,309
Injury type Avg. Settlement
Back & neck $263,030
Herniated disc $220,066
Concussion $347,046
Whiplash $121,542
PTSD $762,436

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⚖️ All of our attorneys work on a contingency fee basis, meaning there are no upfront legal fees or costs — you only pay if you win.