SSettleWorth

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Personal Injury Settlement Calculator — estimate your claim's value

Enter your damages and injury severity and get an instant range for any injury claim — car crash, fall, dog bite, workplace or product injury — adjusted for your state and fault.

Updated June 2026 Method: multiplier & per-diem No sign-up · no data sold

What this estimates. Every injury settlement is built from special (economic) damages — medical bills, lost income, out-of-pocket costs — plus general (non-economic) damages for pain, suffering and loss of enjoyment. The tool estimates the first directly and the second with a multiplier or per-diem, the same logic adjusters use. Use it as an injury claim calculator for any bodily injury to answer the first question everyone asks: how much is my case worth? See also: For a specific crash, try the car accident settlement calculator; to value pain alone, use the pain and suffering calculator.

Real data

Average personal injury settlement amount

Payouts vary so much by case type that a single average is misleading. In a Martindale-Nolo reader survey the average personal-injury payout was about $52,900, and readers who used a lawyer averaged far more than those who did not. Court data puts the median tort award lower.

Average payout
~$52,900
Martindale-Nolo survey
With vs without lawyer
$77.6K / $17.6K
Martindale-Nolo survey
Median tort award
$24,000
BJS (older)

Sources: Martindale-Nolo reader survey (self-reported) and U.S. Bureau of Justice Statistics. Your case can differ widely — use the calculator for a personalized range.

The method

How personal injury settlements are calculated

Add economic damages, estimate pain & suffering with a multiplier or per-diem, then reduce for any shared fault.

Medical expenses

Past and future treatment — the backbone of any injury claim.

Example: $15,000

Lost income

Time missed now plus reduced future earning capacity.

Example: $7,000

Pain & suffering

Multiplier rises with severity: ~1.5–2 minor, 3 moderate, 4.5–5 permanent.

$15K × 3.0 = $45,000

Shared fault

Your percentage of blame reduces the award under your state's rule.

−15% fault

Permanence

Lasting impairment or scarring raises the multiplier and the total.

Higher multiplier

Adjust for your state

Your state changes the result

Your share of fault and your state's rule directly change the result. Pure comparative states reduce the award by your %; modified states bar recovery at 50–51%; contributory states can bar it entirely.

Pure comparative

Recover even if mostly at fault; your award is cut by your %. e.g. California, Florida, New York.

Modified — 50% bar

No recovery if you are 50% or more at fault. e.g. Colorado, Georgia, Tennessee.

Modified — 51% bar

No recovery if you are 51% or more at fault. e.g. Texas, Illinois, Pennsylvania.

Pure contributory

Any fault at all can bar recovery. Only AL, MD, NC, VA & DC.

See the state-specific calculator and average data:

CaliforniaTexasFloridaNew YorkGeorgiaPennsylvaniaIllinoisOhioNorth CarolinaVirginia+ all 50 states

Questions

Personal injury settlement FAQ

Add your economic damages, estimate pain and suffering with a multiplier or per-diem, then reduce for any shared fault. The calculator does all three.

Not always. Small, clear-liability claims are often settled directly; serious or disputed cases usually net more with an attorney even after the fee. This tool is neutral and refers you to no one.

It is a realistic starting range, only as good as your inputs — be honest about future medical costs and recovery time.

Adjusters use the same building blocks but argue for a lower multiplier and a higher share of your fault. Your range is your negotiating floor.

Permanent impairment, surgery, future medical needs, clear liability, lost earning capacity and strong documentation.

Get your personalized estimate

Run the numbers for your own case in under a minute — no contact details, no obligation, just an honest range.

Open the calculator