Settlement Calculator
Estimate your lawsuit's total damages, pain and suffering, and net recovery after attorney fees and deductions.
Low = 60% of gross, Mid = 100%, High = 140%. Multipliers reflect negotiation and liability uncertainty.
How Personal Injury Settlements Are Valued
Settlement valuation combines objective economic damages with subjective non-economic damages. Insurers and defense counsel typically start with a base economic loss figure and apply a multiplier based on the severity of injuries and liability strength.
Economic Damages
Economic damages are quantifiable losses: medical bills (past and future), lost wages, diminished earning capacity, property damage, and out-of-pocket expenses. These are documented with medical records, pay stubs, tax returns, and expert testimony.
Pain and Suffering Multiplier
The multiplier method applies a factor — typically 1.5x to 5x — to total medical expenses to estimate pain and suffering (non-economic damages). More severe, permanent, or disfiguring injuries warrant higher multipliers. Some jurisdictions cap non-economic damages.
Factors That Affect Settlement Value
Liability clarity, comparative negligence rules, insurance policy limits, jurisdiction, injury severity and permanence, medical treatment duration, pre-existing conditions, and the plaintiff's credibility all significantly influence final settlement amounts.
Negotiation Range
Most cases settle somewhere between a conservative low estimate (discounted for liability risk) and a high estimate (full damages). The "mid" scenario assumes full damages are recovered, which rarely happens without either a strong liability case or a willing insurer.