Estimate what your injury claim could be worth — before the insurance company tells you.
First offers are often below fair value. Enter their offer to check it against your estimate:
| Accident type | Typical range |
|---|---|
| Rear-end collision | $15,000 – $100,000 |
| Slip and fall | $10,000 – $50,000 |
| Pedestrian accident | $25,000 – $500,000 |
| Commercial vehicle crash | $100,000 – $1,000,000+ |
| Overall average (Oct 2026) | ~$28,750 |
Ranges via Ultra Law; average from four firms compiled by ConsumerShield (Oct 2026). Every case differs — state law, policy limits and evidence move the number.
The common method is the multiplier: your medical bills multiplied by 1.5 to 5, depending on severity. Minor injuries use ~1.5x; permanent or severe injuries up to 5x. Insurers use software with similar logic — knowing the method keeps negotiations honest.
Yes, in most states. Under comparative negligence, your payout drops by your share of fault — 20% at fault means 20% less. A few states bar recovery entirely if you're more than 50% at fault. This calculator applies the reduction automatically.
Often not. First offers are frequently below fair value — insurers count on you not knowing the number. Run the calculator above, compare, and counter. Patience is leverage.
Serious injuries, disputed fault, or an offer far below your estimate. Represented claimants often recover more than unrepresented ones — and many personal injury lawyers work on contingency (you pay only if you win).
Minor cases: 3–6 months. Moderate: 6–12 months. Severe: 1–2 years. Rushing usually means settling cheap.