What is your car accident claim actually worth?
Settlement estimates built on the rules that change the answer: your state's comparative fault rule, its no-fault threshold, the other driver's policy limit, and what the lawyer and liens take. Every state law is checked against the statute.
- 51 jurisdictions, each with cited statutes
- Shows your net after fees, costs and liens
- Nothing you type leaves your browser
Likely range depends on the injury
- Economic damages
- $16,500
- Pain and suffering
- $30,000
- Injury claim value
- $46,500
- After your share of fault
- $46,500
- Vehicle damage
- $0
- Attorney fee and costs
- $0
- Liens repaid
- $0
Texas: Modified comparative negligence, 51% bar, at-fault (tort) state.
Calculators
Each one explains its method and shows a worked example.
Car accident settlement calculator
Medical bills, lost wages and pain and suffering, reduced by your share of fault under your state rule, capped by the policy limit, minus fees and liens.
Open →Pain and suffering calculator
The multiplier and per diem methods side by side, with the ranges adjusters use for minor to severe injuries.
Open →Diminished value calculator
How much value your car lost after the repair, using the 17c formula insurers use and the market method that usually pays more.
Open →Personal injury attorney fee calculator
What a one-third or 40% contingency fee, case costs and medical liens leave you from a settlement.
Open →Dog bite settlement calculator
Value a dog bite claim and see whether your state makes the owner strictly liable or follows the one-bite rule.
Open →Accident laws, every state
The rules that decide whether and how much you can recover, side by side.
Car accident statute of limitations by state
How long you have to sue for injuries, vehicle damage and wrongful death in every state.
View table →Comparative negligence by state
Pure, 50% bar, 51% bar or contributory: what happens to your claim if you were partly at fault.
View table →No-fault states
Which states make your own PIP pay first, the required PIP amounts and the threshold to sue.
View table →Minimum car insurance by state
Required liability limits in every state, and why the at-fault driver's limit caps most settlements.
View table →Dog bite laws by state
Strict liability or the one-bite rule, with each state's statute.
View table →Damage caps by state
States that limit pain and suffering or punitive damages in injury cases.
View table →Pick your state
Deadlines, fault rule, insurance minimums and a calculator set to the state's rules.
Guides
Plain-English answers to what happens after a crash.
Average car accident settlement
What the industry data says about typical injury claims, and why your number can be far above or below it.
Read →How pain and suffering is calculated
Multipliers, per diem rates, what juries are told, and what pushes the number up or down.
Read →Are car accident settlements taxable?
What the IRS taxes and what it does not: injury damages, lost wages, punitive damages and interest.
Read →Medical liens and Medicare
Why health insurers and Medicare get paid back from your settlement, and how liens are reduced.
Read →Diminished value claims
How to claim the value your car lost after a repair, the 17c formula and when you can claim it.
Read →Truck accident settlements
Why truck claims are larger: federal insurance minimums, multiple defendants and evidence to preserve.
Read →Why trust these numbers
Every state figure on AccidentMath links to the statute, court rule or agency page it came from, and we note when a rule changed recently, such as new insurance minimums or a switch in fault rules. We are not a law firm and do not sell leads; the calculators are free and run entirely in your browser. Read how we calculate.
Frequently asked questions
How accurate is a car accident settlement calculator?
It gives a realistic starting range, not a guaranteed number. It uses the same building blocks adjusters use (medical bills, lost wages, a pain and suffering multiplier) and the rules that actually change the result in your state: comparative fault, no-fault thresholds and insurance limits. The evidence and the insurer decide the rest.
Where does your state law data come from?
From each state's official statutes, court rules and insurance or motor vehicle agency pages. Every state page cites the law behind each figure, and we recheck the data regularly. See our methodology.
Do I need a lawyer to use these numbers?
No. The calculators are free and nothing you type is sent anywhere. For serious injuries, disputed fault or a deadline that is getting close, a free consultation with a local personal injury attorney is worth it.