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Injury Claim Calculator

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Rough estimate only. Not legal advice - consult an attorney.

Priya Raman
By Priya Raman, Contributing Writer, Policy & Regulation
Updated July 2, 2026

The two halves of any injury claim

Every claim splits into two buckets. The first is economic damages: medical bills, lost wages, property damage, anything with a receipt behind it. The second is non-economic damages, the pain, disruption and lost quality of life that has no invoice. This calculator totals the first bucket directly and estimates the second by multiplying your medical bills by a severity factor, then backs out a typical contingency fee.

Two buckets, one total: provable losses plus a multiplier-based estimate for everything that can't be itemized.

Why the multiplier varies so much

A minor soft-tissue strain that resolves in a few weeks sits near the bottom of the range, around 1.5 times medical bills. A permanent, disfiguring, or life-altering injury can reach the top of the range, five times or more. What moves a case up that scale is documentation: a clear diagnosis, a consistent treatment record, and evidence of how the injury actually changed your daily life. See how pain and suffering is calculated for the full breakdown of both methods this site uses.

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Whiplash, a fracture, and a herniated disc don't value the same way. Check the specific page for yours.

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FAQs

How is a general injury claim valued?

Total your economic damages (medical bills, lost wages, property damage), add a multiplier-based pain and suffering figure, then subtract a contingency fee if an attorney is representing you.

What exactly is the multiplier method?

Your medical bills are multiplied by a factor between roughly 1.5 and 5, chosen based on how severe and how well-documented your injury is, to stand in for pain and suffering.

Does this tool account for attorney fees?

Yes. Toggle the attorney field and it subtracts a typical 33% contingency fee from the total so the net figure reflects what you'd actually receive.

Why might my real settlement differ from this estimate?

Liability disputes, the strength of your evidence, and the at-fault party's insurance limits all shape a real settlement in ways a formula can't capture. Use this as a planning number, not a guarantee.

Do I need a lawyer to use this calculator?

No, the tool is free to use without one. But if your damages are significant, a consultation, often free, can tell you whether self-negotiating is a good idea.