The same multiplier method insurance adjusters use — with your state's fault rule applied and every line of arithmetic shown under the result. Use it instant, guided one question at a time, or to grade an offer you already have. Your answer appears on this page, not in your inbox.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice — every claim is different.
The multiplier applies to your economic damages, so every undocumented bill and missed shift shrinks the whole claim. Treat until maximum medical improvement, collect every record, and only then talk numbers — a claim priced mid-treatment is a claim priced blind. If your injury has its own page here (neck, back, whiplash, knee), read it — the documentation that moves each injury up its band is specific. And pace yourself against the honest settlement timeline — the stages, not someone's average — with real, sourced case examples for calibration. (And if you've seen sites quoting a precise "average settlement," read why no verifiable average exists before you anchor on one.)
Fault percentages aren't small talk: in a 50%-bar state a casual concession can halve or zero the claim, and in the contributory-negligence states it's outright dangerous. Our state pages cite the statutes — fault rule, filing deadline, caps — and the calculator applies them.
When the offer comes, switch to offer check: it computes the multiplier their number implies and compares it to the band your injury supports. "Your offer is 1.2× my specials; the band is 2–3×" is a negotiation you can win in writing. If they hold below the band on a documented claim, that's the moment representation tends to pay for itself — run the take-home math both ways and decide with numbers.
The industry framework is the multiplier method: (medical bills + lost wages) × a severity multiplier from 1.5× (minor, full recovery) to 5×+ (severe or permanent), plus property damage, reduced by your share of fault under your state's rule. This calculator runs exactly that — and prints every line of the arithmetic under your result.
Any site quoting you one number is guessing or selling. Settlements range from a few thousand dollars for resolved soft-tissue claims to six and seven figures for surgical and permanent injuries — because the inputs differ, not because some claimants negotiate magically. The honest answer is a range computed from your inputs, which is what this page does.
Yes — that's the point. Their first offer is an anchor. Knowing your range first (and grading their offer against it in offer-check mode) reverses who anchors whom. Nothing you enter here is stored or sent anywhere.
Two big ways: the shared-fault rule (pure comparative, a 50%/51% bar, or contributory negligence — which can zero a claim) and damage caps like Ohio's non-economic cap. Pick your state in the calculator and it applies the rule; our state pages cite each statute.
Simple clear-liability claims often resolve in 2–4 months after treatment ends; disputed-fault or serious-injury claims routinely run 6–18 months, and filing suit adds more. The one deadline that can't slip is your state's statute of limitations — check it on your state's page.