Updated July 2, 2026
This table lists the multiplier band InjuryCalcTools applies to each injury type; there is no accompanying dollar range because no verifiable public dataset of real settlement amounts by injury type exists. Full methodology is on the 2026 Injury Claim Calculation Reference. Your specific case depends on liability, the evidence you can assemble, and the medical costs you can document. If a healthcare provider's negligence is the cause of your injury rather than an accident or a fall, the claim follows different rules; see the medical malpractice settlement calculator for how future care costs, state damage caps, and higher contingency fees change the math.
| Injury | Multiplier band | Detail page |
|---|---|---|
| Whiplash | 1.5× | See the full breakdown → |
| Soft tissue injury | 1.8× | Why insurers are skeptical → |
| Broken bone / fracture | 3.0× | Hairline vs. compound → |
| Herniated disc | 3.5× | What the MRI needs to show → |
| Back injury | 3.0× | General strains and sprains → |
| Knee injury | 3.0× | ACL, meniscus and MCL claims → |
| Shoulder injury | 2.8× | Rotator cuff and labrum tears → |
| Concussion / TBI | 4.5× | The mild-to-severe spectrum → |
| Scarring / disfigurement | 4.0× | Why visibility drives value → |
| Spinal cord injury | 5.0× (site ceiling) | Complete vs. incomplete injury → |
Why this site uses a band instead of a dollar figure
Every "average settlement by injury" figure you'll find elsewhere online is built on one of two shaky foundations: a single law firm's closed cases, which skew toward that firm's typical client and region, or a number with no traceable source at all. Real settlements aren't centrally reported anywhere in the United States, so no one, including this site, can honestly publish a verified average. What can be published is the methodology: a severity multiplier applied consistently to medical bills, adjusted up or down by documentation quality, liability clarity, and the injury's lasting impact.
How to use this table
Start with your injury type here to get the multiplier band this site applies, then open the linked detail page for the specific factors that push that particular injury up or down within its band. From there, run your own medical bills, lost wages, and severity through the matching calculator, the general injury claim calculator works for any type, while car accident, slip and fall, and medical malpractice each have dedicated tools for their fact patterns.