Car Accident Settlement Calculator 2026

Settlement Estimator

Fill in the details below for a personalized estimate

State of accident

Fault determination

Injury severity

Medical expenses ($) Total medical bills so far

Lost wages ($) Income lost due to accident

Property damage ($) Vehicle and other property damage

Pain & suffering days Days of significant pain/recovery

Estimated Settlement Range

—

Estimate only. Actual settlements vary by insurer, attorney, and case specifics.

State / Fault system—

Medical expenses covered—

Lost wages covered—

Property damage—

Pain & suffering estimate—

Fault reduction applied—

Low estimate—

High estimate—

⚠ Important Disclaimer This calculator provides rough educational estimates only. Car accident settlements depend on insurance policy limits, comparative/contributory fault rules, negotiation, legal representation, and many other factors. Always consult a licensed personal injury attorney. Many work on contingency — no fee unless you win.

An experienced car accident attorney typically increases settlement amounts by 3-4x. Most work on contingency with zero upfront cost.

Get a Free Case Evaluation →

National Statistics

$20K

Average minor injury

$75K

Average moderate injury

3×

Attorney multiplier

95%

Cases settle out of court

Highest Average Payouts

California ~$95,000 avg
New York ~$88,000 avg
Florida ~$72,000 avg
Texas ~$68,000 avg
New Jersey ~$85,000 avg
Illinois ~$76,000 avg

Injury Type Averages

Whiplash / soft tissue $10K–$30K
Broken bones $30K–$80K
Head / TBI $100K–$500K+
Spinal injury $150K–$1M+
Internal injuries $50K–$200K

Car Accident Calculator by State

Click any state for fault rules, insurance minimums, and average settlement data.

How Car Accident Settlements Are Calculated

Understanding the formula helps you know what to expect.

Determine fault

Each state has different fault rules — at-fault, no-fault, or comparative negligence. Your fault percentage directly reduces your settlement.

Calculate economic damages

Add up all medical bills, lost wages, future medical costs, and property damage. These are your "special damages."

Calculate pain & suffering

Insurers use the "multiplier method" — multiplying economic damages by 1.5–5x depending on injury severity.

Check policy limits

The at-fault driver's insurance limits cap the payout. Your own underinsured motorist coverage may cover the gap.

Negotiate or litigate

An attorney negotiates with the insurer. Most cases settle before trial. Attorneys typically get 33% of the settlement.

Car Accident Settlement Calculator