Get a rough range —
and know what actually drives it
Enter what you know. We'll apply the standard multiplier method insurers and attorneys use as a starting point — and show you exactly how the math works.
Economic damages (what you can document)
ER, imaging, PT, prescriptions — what you can document so far.
Estimated cost of treatment still ahead (optional).
Income missed because of the injury. Get wage verification from HR.
Vehicle repair estimate or fair market value if totaled.
Pain & suffering multiplier
Minor — 2.0xMinor: Minor injuries, full recovery expected
Insurers and attorneys often estimate “general damages” (pain and suffering) by multiplying medical costs by 1.5–5 depending on injury severity, recovery time, and impact on daily life. Where your case falls is a judgment call — an attorney can help you place it.
Estimated range
Enter your damages
Add medical bills or other costs on the left to see an estimated range.
When to talk to a lawyer
If you have serious injuries, unclear liability, commercial vehicles involved, or you're being pressured to settle, speaking with a licensed PI attorney can help.
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How the estimate works
The “multiplier method” — the most common starting point for valuing an injury claim.
1. Add up economic damages
Medical bills to date, expected future medical, lost wages, and property damage. These are your documented, provable financial losses (often called “specials”).
2. Apply a multiplier to medical costs
General damages (pain and suffering) are commonly estimated by multiplying medical costs by 1.5–5. Minor injuries sit near 1.5–2; severe or permanent injuries near 4–5.
3. Combine into a range
Economic damages + estimated general damages give a rough negotiating range. It's a starting point for conversation — not a promise, and not a valuation of your case.
What this estimate does NOT include
- Punitive damages
- Comparative-fault reductions
- Attorney fees and case costs
- Medical liens and subrogation
- Policy-limit caps on recovery
Actual settlements depend on liability, venue, and insurance policy limits. A disputed-fault case in a conservative venue with a $25,000 policy can settle far below any formula — and a clear-liability case with severe injuries can exceed it. Only a licensed attorney reviewing your specific facts can give you a real valuation.
Improve what you can prove
A fair settlement starts with better documentation. Claimsy can help.
Organize your records
- • Auto-save bills & estimates
- • Find adjuster emails
- • One clean claim file
Track every expense
- • Timeline of key events
- • Deadline tracking
- • Wage-loss documentation
Get a real valuation
- • Compare vetted attorneys
- • Free consultations
- • You choose who to contact
Calculator questions
Talk to an attorney about your real number
A formula can't weigh liability, venue, or policy limits. A licensed attorney can — most offer free consultations.
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