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Personal Injury (Claim) Calculator

This free injury claim calculator offers a preliminary estimate using data from cases involving car accidents, slip and falls, car wrecks, work injuries, and other bodily injuries. It sums economic losses - such as medical expenses, lost earnings, future lost income, and anticipated future medical expenses - and calculates non-economic damages (pain and suffering) based on your injury's severity and recovery time.

Can any calculator truly quantify your pain and suffering? No. This tool provides only an average settlement estimate to guide your next steps. For a full evaluation of your claim, consult a qualified personal injury attorney.

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See What Your Injury Settlement Could Be Worth.

List the combined total of every medical expense related to your injury - this includes hospital stays, doctor visits, diagnostic tests, medications, and rehabilitation sessions, regardless of whether you paid for them directly or they were covered by insurance. If you have not yet sought treatment but continue to experience pain or discomfort, use the daily rate method (as described in our additional guidelines) to estimate what your future costs might be.

Estimate damage to your vehicle or other property, like phones, laptops, or clothing. If unsure, include a reasonable estimate and adjust later. Leave as zero if not applicable.

Enter the total income lost while unable to work due to your injury. Include wages, self-employment earnings, or lost business income. If you used paid leave, only input unpaid lost wages. If unsure, estimate conservatively.

Estimate income you expect to lose due to ongoing treatment, recovery, or long-term disability. Include lost wages, self-employment income, or business losses. If unsure, consider consulting a legal or financial expert.

Estimate future medical costs, including follow-up treatments, surgeries, rehabilitation, prescriptions, and long-term care. If unsure, consider expected doctor recommendations or similar past expenses.

Select how severe your injury is. Mild injuries have less impact, while severe injuries lead to higher multipliers for pain and suffering.

Choose your estimated recovery period. Longer recoveries typically result in higher compensation for pain and suffering.

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Estimated Settlement Breakdown

Settlement Projection Based on Your Inputs.

Economic Damages $0
Non-Economic Damages (Pain and Suffering) $0
Total Settlement Estimate $0
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Calculate Your Personal Injury Settlement Value

Personal injuries can have life-altering consequences for anyone, whether it’s a workplace accident, a car crash, or a fall on an unmaintained sidewalk. In many cases, especially when the fault of another party is proven, the injured person may be entitled to financial compensation for the damages incurred. In the following lines, we’ll briefly explain how these claims are valued, the factors that influence compensation amounts, and how a personal injury calculator can help with an initial estimate of a potential settlement. 

Just to clarify once more, no AI personal injury calculator, nor a well-meaning inquiry to ChatGPT or another chatbot, can provide an accurate answer about the potential amount of compensation. That’s something only an experienced personal injury attorney can offer.

A personal injury calculator provides a rough estimate, but real settlements depend on negotiations, legal strategies, and insurance loopholes. Your medical costs, lost wages, and suffering all matter, but what you actually receive often comes down to who fights for you. A strong attorney can make the difference between a lowball offer and fair compensation.

Are Bodily Injury Calculators Accurate?

Many articles, especially those on most lawyers' websites, will tell you that bodily injury calculators are notoriously inaccurate, simply because each insurance company evaluates injuries differently, leading to significant disparities in the compensation offered. One of the weakest points in these calculations is compensation for pain and suffering, which is often turned into a number and multiplied by medical costs instead of being individually assessed. This reduces emotional distress to a mere mathematical formula rather than fairly considering it on its own. This is true. But the same can be said for lawyers who attempt to quantify your pain and suffering—they too rely on math.

In short: No online bodily injury calculator is designed to, or capable of, precisely calculating the harm done to you or the compensation you deserve. After all, you might not even have access to all the true costs when entering your medical expenses. So, let’s think of this calculator as a modest assistant for estimating approximate claims based on property damage and medical treatment costs.

1. How Are Compensation Claims Valued?

A personal injury calculator provides only an approximate value, giving you a basic idea of the minimum claims you might be entitled to under certain circumstances. However, if you've sustained severe injuries in a car accident, at work, or elsewhere—such as severe bone fractures, spinal injuries, traumatic brain injuries, amputations, severe burns, or internal bleeding—which require long-term treatment and may leave lasting consequences, it's crucial to consult an experienced, dedicated, and communicative lawyer who, after thoroughly analyzing the facts, available information, and witness statements, will be able to provide you with a more accurate assessment.

Curious about how injury claims actually unfold? Take a deep dive into high-value settlements and what they truly mean for victims: Are million-dollar injury claims as common as they seem?

Insurance companies will minimize payouts, employ tactics to reduce your claim, and push for quick, low settlements. Only a strong attorney who is familiar with these tactics and willing to fight until court will secure a fair compensation that truly reflects the impact your injury has had on your life. The value of your compensation will depend on several key factors that fall into two main categories:

1.1 Economic Damages

These are the direct financial losses caused by the injury:

  • Medical expenses – this section of the calculator accounts for current costs related to hospitalization, surgeries, rehabilitation, medications, and other treatments. Future anticipated treatment costs are covered in another section.
  • Property damage – typically damage to a vehicle following a car accident.
  • Lost wages – income lost during the time the injured party was unable to work.
  • Future lost income – if the injury prevents the person from returning to work, they may seek compensation for future earnings.
  • Estimated future medical expenses – projected costs for long-term care, therapy, or repeated medical procedures.
1.2 Non-Economic Damages

These damages don't have a direct financial value but significantly affect the injured party's quality of life:

  • Pain and suffering – encompasses both physical and psychological distress caused by the injury.
  • Loss of quality of life – if the injury permanently hinders normal daily activities or hobbies.
  • Emotional distress – mental suffering, such as anxiety, depression, or post-traumatic stress disorder (PTSD).

2. How Does a Personal Injury Calculator Work?

A personal injury calculator is a tool designed to help estimate potential compensation based on the data entered. It works through the following steps:

  1. Enter economic damages – the user provides information about medical costs, lost wages, and any anticipated future expenses.
  2. Determine the severity of the injury – the calculator uses a multiplier to calculate non-economic damages.
  3. Calculate total compensation – the tool adds up the direct financial losses and adds an amount for pain and suffering, based on averaged statistics from hundreds of similar cases.

Here’s a simplified example, also influenced by injury severity and recovery time:

  • Medical expenses are $10,000
  • Property damage is $3,500
  • Lost income is $15,000
  • Non-economic damages are calculated as $75,000
  • The total estimated compensation would be $103,500.

3. What Are the Limitations of This Estimate?

The personal injury calculator provides only an approximate value. If you've sustained serious injuries from an accident,

  • Dealing with insurance companies – insurers often try to offer lower payouts.
  • The quality of legal representation – an experienced attorney can negotiate for a higher settlement.
  • Evidence of damages – medical records, witness statements, and other documents can significantly influence the final outcome.

4. Why Is Consultation with a Lawyer Crucial?

While the calculator helps provide an overview of potential compensation, the most accurate case assessment can only be made by an experienced lawyer. A lawyer can:

  • Examine the details of the case and establish the other party’s liability.
  • Negotiate with the insurance company to secure the maximum compensation.
  • Prepare the case for trial if a fair settlement isn’t reached.

5. Conclusion: What’s the Next Step?

If you’ve sustained an injury and want to get an estimated value for your claim:

  1. Use an online injury calculator for an initial estimate.
  2. Gather all documentation – medical reports, bills, pay stubs, and more.
  3. Consult with a lawyer who will provide a professional assessment and help negotiate a fair compensation.

Remember: The calculator is just a tool, but actual settlement depends on quality legal representation and evidence.

"Medical Expenses" refer to the total cost of all healthcare services you received as a result of your injury. This includes hospital stays, doctor visits, surgeries, diagnostic tests, medications, and rehabilitation treatments. It’s important to include every charge—even if some or all were covered by insurance - to fully reflect the financial impact of your injury. If you haven't sought treatment yet but still experience pain, consider estimating these costs using a daily rate method. This comprehensive figure is crucial for determining the overall economic losses in your claim.

Scenarios & Variants:

  • If you were hospitalized for surgery, include the total hospital bill, surgeon fees, anesthesia, and any intensive care unit charges.
  • For outpatient treatments, list all doctor’s visits, lab tests, X-rays, MRIs, and other diagnostic procedures.
  • If you received ongoing treatments such as physical therapy or chiropractic care, include the total number of sessions multiplied by the cost per session.
  • Even if a portion of these expenses was covered by insurance, report the full amount to capture the extent of the treatment provided.
  • If you have not yet sought treatment but continue to experience pain or symptoms, use the daily rate method to estimate potential costs over time.
  • For instance, if you had a $3,500 hospital bill, $500 in doctor visits, and $200 in medications, your total medical expenses would be $4,200.

Property Damage refers to the costs required to repair or replace any physical property harmed in the incident. This is most relevant in auto accidents, but it can also cover damage to other personal belongings. If your situation does not involve any property loss, enter zero.

Examples:

  • Repair bills for a vehicle damaged in a collision
  • Replacement costs for personal items (electronics, furniture) damaged during the incident
  • Estimates from repair services or insurance assessments of the damage

Lost Earnings represent the income you have already missed because you were unable to work due to your injury. This amount should include your regular wages as well as any overtime, bonuses, or commissions you typically receive. Even if you received paid leave, record the amount you would have normally earned to show the true financial loss.

Some Examples:

  • Wages lost during days or weeks of recovery
  • Missed overtime or commission-based earnings from working fewer hours
  • Income from scheduled shifts that you could not cover because of your injury

Future Lost Income is an estimate of the income you expect to forgo moving forward because of your injury. This may be due to a temporary reduction in your work capacity or a long-term limitation on your ability to earn at the same level. Providing a realistic projection helps quantify the long-term economic impact of your injury.

Examples:

  • Anticipated earnings shortfall if you must work reduced hours or change jobs
  • Projected income loss due to a permanent disability or chronic condition
  • Estimated gap in earnings over the expected recovery or disability period

Estimated Future Medical Expenses cover all anticipated healthcare costs that will occur as your injury continues to affect you. This figure should reflect any ongoing or planned treatments, ensuring that the long-term financial impact is fully considered.

Examples:

  • Planned follow-up surgeries or additional treatments
  • Recurring therapy sessions, rehabilitation programs, or long-term medications
  • Expenses for adaptive equipment or specialized care required over an extended period

Severity of Injury is a measure of how serious your injury is, which is critical in determining the compensation for pain and suffering. A higher severity level indicates a more substantial impact on your physical and emotional well-being, leading to a higher compensation multiplier.

Examples:

  • Mild: Minor injuries like small cuts, bruises, or slight sprains with minimal disruption
  • Moderate: Injuries such as broken bones or deep lacerations that require significant treatment and affect your daily activities
  • Severe: Injuries that cause long-lasting or permanent damage, chronic pain, or significant limitations in everyday functioning

Recovery Time is an estimate of the period required for you to heal and resume your normal activities. Longer recovery periods typically suggest a greater overall impact on your life and earnings, which can increase both economic losses and compensation for pain and suffering.

Examples:

  • Short-term: Healing within a few weeks with little lasting impact
  • Medium-term: Several months of recovery that temporarily limit your ability to work or perform routine tasks
  • Long-term: Prolonged or permanent recovery periods that result in lasting changes to your quality of life