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Free Personal Injury Settlement Calculator

By Ziv Shay | Updated April 2026

Last Updated: March 29, 2026

Estimate the value of your personal injury claim using the same multiplier method insurance adjusters use. Enter your case details to get an instant settlement estimate based on your medical bills, lost wages, and pain level.

Settlement Calculator

Enter your case details below for an instant settlement estimate using the insurance multiplier method.

5

Your Estimated Settlement

Medical Bills (Economic)
Lost Wages (Economic)
Total Economic Damages
Non-Economic (Pain & Suffering)
Low Estimate
High Estimate
Policy Limit Cap
Estimated Settlement Range
Get Free Case Review Find a Personal Injury Lawyer
Get Free Case Review Find a Personal Injury Lawyer

Settlement Estimates by Injury Type

Different injuries have different settlement multipliers. Select your injury type to see detailed settlement information and calculator pre-filled with typical values.

Whiplash
Avg: $15,000Broken Bone
Avg: $35,000Traumatic Brain Injury (TBI)
Avg: $85,000Spinal Cord Injury
Avg: $150,000Herniated Disc
Avg: $40,000Knee Injury
Avg: $30,000Shoulder Injury
Avg: $25,000Concussion
Avg: $20,000Burn Injury
Avg: $60,000Dog Bite
Avg: $18,000Slip and Fall
Avg: $20,000Car Accident
Avg: $25,000Truck Accident
Avg: $75,000Motorcycle Accident
Avg: $45,000Pedestrian Accident
Avg: $55,000

Settlement Laws by State

Your state's tort laws significantly impact your settlement. Fault rules, statutes of limitations, and damage caps vary widely across all 50 states.

Alabama (AL)
At-Fault (Tort)Alaska (AK)
At-Fault (Tort)Arizona (AZ)
At-Fault (Tort)Arkansas (AR)
At-Fault (Tort)California (CA)
At-Fault (Tort)Colorado (CO)
At-Fault (Tort)Connecticut (CT)
At-Fault (Tort)Delaware (DE)
At-Fault (Tort)Florida (FL)
No-FaultGeorgia (GA)
At-Fault (Tort)

View all 50 states →

Settlements by Amount

Wondering what to expect for a specific settlement amount? Explore breakdowns by dollar value.

$10,000 Settlement
What to expect$25,000 Settlement
What to expect$50,000 Settlement
What to expect$100,000 Settlement
What to expect$250,000 Settlement
What to expect$500,000 Settlement
What to expect$1,000,000 Settlement
What to expect

Get Your Free Case Evaluation

Find out what your injury claim is really worth. Connect with top-rated personal injury attorneys in your area.

Frequently Asked Questions

How is a personal injury settlement calculated?
Most insurance companies use the multiplier method, where your medical expenses are multiplied by a factor of 1.5 to 5 based on injury severity. Lost wages and other economic damages are added to determine the total settlement range.
What is the average personal injury settlement?
The average personal injury settlement ranges from $15,000 to $75,000, but this varies enormously based on injury type, severity, medical costs, and jurisdiction. Severe injuries like TBI or spinal cord damage can result in settlements exceeding $1 million.
How long does it take to settle a personal injury claim?
Most personal injury claims settle within 6 to 18 months. Simple cases like minor car accidents may resolve in a few months, while complex cases involving surgery or permanent disability can take 2 or more years.
Should I accept the first settlement offer?
Generally no. Initial settlement offers from insurance companies are typically 20-40% below fair value. An experienced personal injury attorney can negotiate significantly higher compensation.
About the AuthorZiv Shay is a software engineer and fintech enthusiast based in Israel, building free financial tools since 2024. Learn more
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Common Questions About Settlement Calculator

How much is my personal injury case worth?

Settlement values depend on medical expenses, lost wages, and pain/suffering multipliers. Use the free settlement calculator at aihowtoinvest.com/settlement to get an estimate based on your specific case details.

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