A typical injury claim equals documented medical bills, lost wages and property damage, plus a pain-and-suffering estimate found by multiplying medical bills by a severity factor of 1.5x to 5x. That is the multiplier method: an estimation convention this site uses and discloses, not a law or a guarantee. Run your own numbers below.
Know what your claim is worth before the first call.
Medical bills, lost wages, and pain and suffering added up in one place.
Show my cost →Crash damages calculated with a typical attorney fee already backed out.
Show my cost →Pain and suffering estimated two ways so you can see both numbers.
Show my cost →Missed paychecks plus any lasting reduction in what you can earn.
Show my cost →Slip and fall damages, then reduced by your percentage of fault.
Show my cost →Medical costs, future care and lost income, with a state cap you can toggle.
Show my cost →The first offer is not the final offer.
Claims adjusters open low because most people accept it. These tools combine your documented costs with the multiplier-method pain-and-suffering estimate this site discloses, so you have a real number before anyone picks up the phone. Whether you hire an attorney or handle it yourself, knowing the math changes the conversation.
Five tools live on this site and they overlap on purpose, because most claims touch more than one category. Start with the Injury Claim Calculator if you want the full picture in one pass: medical bills, missed paychecks, and a pain-and-suffering figure added together. If a car crash is the whole story, the Car Accident Settlement Calculator is faster, since it already backs out a typical contingency fee so the number you see is closer to what actually lands in your account.
Fell on someone else's property? The Slip & Fall Settlement Calculator asks one extra question the others do not: your percentage of fault. Comparative negligence rules mean a $50,000 claim where you were 20 percent at fault settles differently than one where you weren't. If missed work is the largest piece of your loss, the Lost Wages Calculator isolates that number instead of burying it inside a bigger total. And if you already have your medical bills sorted and just want to argue about the human cost of the injury itself, jump straight to the Pain & Suffering Calculator, which runs the multiplier and per-diem methods side by side so you can see where they agree and where they diverge.
Not sure which bucket you're in? Start with the Injury Claim Calculator. It routes you toward the narrower tools once you see which line item is doing the most work in your number.
The multiplier method is a shortcut, not a law, and it works by treating your documented medical bills as a stand-in for how bad the injury actually was. Multiply those bills by a severity factor between 1.5 and 5, and the result becomes a proxy for pain, emotional distress, and the parts of an injury that don't show up on a receipt. That assumption holds up reasonably well for a broken bone with a clear treatment record. It holds up worse for an injury with high medical costs but a fast, uneventful recovery, or the reverse: modest bills attached to a genuinely long, hard recovery.
The formula also assumes your medical documentation is complete. Gaps in treatment, a delay before seeing a doctor, or care you paid for out of pocket without submitting a bill will all understate the number this calculator (or any adjuster using the same method) produces. And it assumes fault isn't contested. Add shared fault into the picture and the settlement math changes before the multiplier ever gets applied. Treat every number on this page as a starting anchor for a conversation, not a figure to quote as final.
The costliest mistake is accepting a first offer before the medical picture is finished. Insurers routinely open with a number calculated before treatment ends, and once you sign a release, that claim is closed for good even if a new symptom shows up next month. A close second is talking to the other side's insurer before talking to your own doctor or an attorney; recorded statements get replayed later, often out of context.
Thin documentation is the quiet killer. A claim with a folder of dated medical records, receipts, and a mileage log to appointments settles higher than an identical injury with a vague memory of "a few visits to urgent care." People also under-claim lost income by only counting missed hours, when unused sick days, lost overtime, and a delayed promotion can all belong in the same line item if you can show the connection. Finally, plenty of people skip the math entirely and let the adjuster's first number anchor the whole negotiation. Running your own estimate first, even a rough one, changes who is doing the anchoring.
No. The calculators are built for anyone negotiating a claim, with or without an attorney. Many people run the numbers first, then decide whether the gap between their estimate and an insurer's offer is wide enough to justify hiring one.
Because the multiplier method itself is a range (1.5x to 5x), not a single value. Two reasonable people can pick different severity factors for the same injury. Showing the range is more honest than pretending the formula produces a precise answer.
Many do, often through claims-scoring software that includes a multiplier as one input. Knowing the method gives you a way to sanity-check an offer, not a guarantee that your number and theirs will match.
One honest caveat: every figure here comes from a formula this site discloses, applied to numbers you enter. It is not a valuation of your specific case, and it can't account for your state's damage caps, your evidence, or how a particular insurer or jury might see it. Use it to walk into a negotiation with a number instead of a guess.