General Law

Personal Injury Damages Calculator

A generalized tool for valuing bodily injury claims, applying industry-standard multipliers to calculate economic and non-economic damages.

Free to Use No Data Stored Updated April 2026

Personal Injury Damages Calculator

Fill in the fields below to get your estimate

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Subjective Factors (Pain & Suffering)
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Valuing Your Personal Injury Claim

Insurance companies and attorneys evaluate personal injury claims by combining actual financial losses with a multiplier to estimate the subjective human cost of the injury.

Step 1: Out-of-Pocket Costs
Sum your medical bills (past and future), vehicle/property damage, and lost income.

Step 2: The Multiplier
Pick an honest multiplier. Soft-tissue injuries (whiplash) are usually 1.5x to 2x. Broken bones requiring surgery might be 3x to 4x. Permanent catastrophic injuries are 5x or more.

Important Legal Disclaimer

Insurance companies use proprietary software (like Colossus) to evaluate claims, not simple multipliers alone. A defense lawyer or adjuster will fight every single dollar claimed. Never self-represent in a severe injury case.

Frequently Asked Questions

Economic damages are out-of-pocket, quantifiable costs like medical bills, lost wages, and property damage. Non-economic damages compensate for subjective losses like pain, suffering, mental anguish, and loss of enjoyment of life.

Adjusters use your injury's severity and impact on your life to assign a multiplier (from 1.5 to 5 or higher). A soft-tissue injury that heals in two months gets a low multiplier; an amputation or paralysis gets a very high multiplier.

Yes, you should wait until you reach Maximum Medical Improvement (MMI) before finalizing your damage demands. This ensures you know the full extent of your permanent injuries and total medical bills.

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