Estimate your settlement range based on medical bills, severity, and lost wages.
Estimate your settlement
$15,000
x 2
$5,000
$2,000
Low estimate
$22,200
Mid estimate
$37,000
High estimate
$51,800
Estimate based on the multiplier method. Actual settlements depend on jurisdiction, attorney, and the opposing insurer.
How settlements are calculated
The most common approach multiplies medical bills by a severity factor (1 to 5), then adds lost wages and other expenses. This produces a negotiation range, not a guaranteed amount.
The severity multiplier
1 — Minor: minor injuries, quick recovery
2 — Moderate: injuries requiring weeks off work
3 — Significant: meaningful temporary impairment
4 — Serious: partial permanent damage
5 — Severe: permanent disability or catastrophic injury
What else affects the final settlement
Clear vs. shared liability (comparative negligence rules vary by state)
Quality of medical documentation
The opposing insurer's track record
Whether the case settles or goes to trial
Do I need an attorney?
For minor claims under $5,000, many insurers offer reasonable direct settlements. For moderate to severe injuries, hiring a personal injury attorney typically increases the final settlement by 30% to 150%, even after their contingency fee (usually 33%).