Online settlement calculators are popular because people want a number. They can give a rough idea, but they cannot account for the facts that drive real settlements.
How they work
Most calculators multiply medical bills by a factor and add lost income and property damage. The multiplier is a guess, and the results often fall in a wide range.
What they leave out
- Strength of the evidence on fault.
- Policy limits.
- Your state's fault and damages rules.
- Pre-existing conditions.
- Liens and fees that reduce what you receive.
- Your future medical needs.
Some lead-generation sites
Many calculators are run by law firms or lead generators that collect your contact details. Read the privacy notice, and be careful about sharing medical information.
How to use one
- Treat the output as a rough range.
- Use real bills and records.
- Talk to a lawyer for an actual evaluation.
- See our guides to settlement amounts and pain and suffering.
Frequently asked questions
Are calculators accurate?
Not for predicting your actual outcome.
Can I use one for negotiation?
It is not strong evidence. Use documents and legal arguments.