Two methods, one goal: put a number on what hurts. The multiplier method takes your medical bills and multiplies by 1.5 to 5. The per-diem method bills a daily rate against your recovery calendar. See how each works, with examples.
Read →Your medical bills times a number between 1.5 and 5. That is the whole idea. The tricky part is defending the number you pick. See how the factor is chosen and what documentation moves it up or down.
Read →Price out each day of your recovery and multiply. The per-diem method is straightforward to explain and surprisingly hard to argue down when your daily rate is well-anchored. See how to pick and justify a rate.
Read →Six factors do most of the heavy lifting: medical expenses, lost wages, injury severity, fault evidence, the at-fault policy limit, and your jurisdiction. See how each one pulls the number up or down, and how they interact.
Read →What the 1.5x-to-5x multiplier band means for soft tissue, fractures, herniated discs, and more, with a worked example, instead of an unverifiable "average settlement" figure.
Read →The exact multiplier bands, per-diem convention, and contingency-fee default every calculator on this site uses, documented in one place with a downloadable CSV.
Read →Minor claims with clear liability can close in 3 to 6 months. Serious injuries requiring surgery or disputed fault routinely run 1 to 2 years. Trial cases take 3 years or longer. Here is the stage-by-stage breakdown and what stalls each one.
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