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Multiplier & Per-Diem Methods · All 50 States

Injury Settlement Calculator 2026

See what your accident claim could be worth — with the fault rules, damage caps, and filing deadline that apply in your state, and the math shown step by step.

Where it happened

Pure ComparativeRecovery reduced by your exact share of fault

Your Economic Losses

Injury & Claim

You likely have a claim

California (Pure Comparative) leaves your estimate intact at 0% fault.

Estimated settlement (net to you)

$51,423

typical outcome · multiplier 3.25×

Conservative

$43,885

Strong case

$58,960

How we got there

Economic damages$28,000
Pain & suffering (3.25× medical)$48,750
Gross settlement$76,750
Attorney fee (33%)−$25,328
Net to client$51,423

Cross-check: per-diem method

Some insurers price pain & suffering as a daily rate ($150/day × 180 recovery days) instead of a multiplier.

Per-diem net estimate$36,850

Not legal advice. These are guideline estimates. California has a 2-year filing deadline — Med-mal non-economic damages capped ($350K–$750K, rising under AB 35); no general cap. A licensed attorney can evaluate your actual case.

Injury Settlement Calculators by State

Fault rules and damage caps vary sharply by state. Open yours to see how it changes your recovery.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

How Injury Settlements Are Calculated

Two methods. Insurers value a claim as economic damages (medical, wages, property) plus non-economic "pain and suffering." Pain and suffering is priced either by a multiplier (your medical bills × 1.5–10, based on severity) or a per-diem (a daily rate × your recovery days). This calculator runs both.

Then three adjustments. Your gross figure is reduced by your share of fault (under your state's comparative or contributory rules), capped at the insurance policy limit, and finally by the attorney's contingency fee — leaving the net you actually receive.

The Four Fault Rules, Side by Side

Which one applies to you decides whether a little fault is a discount or a dead end.

Pure Contributory

5 states

Any share of fault can bar recovery entirely.

Pure Comparative

11 states

Recovery reduced by your exact share of fault.

Modified · 50% Bar

7 states

Barred if you are 50% or more at fault.

Modified · 51% Bar

28 states

Barred only when fault exceeds 50%.

Frequently Asked Questions

How is a pain and suffering settlement calculated?

Insurers add your economic damages (medical bills, lost wages, property damage) to a non-economic figure for pain and suffering. Pain and suffering is usually estimated by multiplying your medical bills by a severity multiplier — roughly 1.5× for minor injuries up to 10× for catastrophic ones — then reduced by your share of fault and any policy limit, and finally by the attorney's contingency fee.

What is the settlement multiplier?

It's the number your medical bills are multiplied by to value pain and suffering. Minor soft-tissue injuries sit around 1.5–2.5×; fractures and disc injuries around 2.5–4×; surgery and lasting impairment 4–6×; and catastrophic, life-altering injuries 8–10×. Permanent injury and scarring push the multiplier up.

What is the per-diem method?

An alternative some insurers use: instead of a multiplier, they assign a daily dollar value (often $100–$200) to every day you recover. This calculator shows both methods so you can see the range.

How does being partly at fault change my settlement?

It depends entirely on your state. In pure comparative states your recovery just drops by your fault percentage. In modified states you're barred at 50% or 51% fault. In the handful of pure contributory states (like Maryland, Virginia, North Carolina, and D.C.), even 1% fault can wipe out recovery. Pick your state to see its rule.

What is a policy limit?

The maximum an insurer will pay under the at-fault driver's or property owner's policy. If your damages exceed the limit, the settlement is usually capped there unless you have umbrella coverage or a personal asset claim.

How much does an injury lawyer cost?

Most take a contingency fee of about 33% of the settlement (often 40% if a lawsuit is filed). The calculator applies your chosen percentage so the "net to you" figure is realistic.
Available on Google Play

Keep your case organized before you call a lawyer

The Injury Settlement Calculator app adds an accident journal with photos and witnesses, saved cases, a year-by-year comparison of settlement offers, and PDF export — all on your device, nothing uploaded.

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