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Accident Settlement Calculator: Estimate a Range
Clarity today. Confidence tomorrow.

TortWise runs the same multiplier arithmetic an adjuster starts from, so you can put an illustrative range against an injury claim before you ever talk to anyone. A range, never a promise.

  • Independent & impartialWe are not a law firm.
  • The method is shownEvery figure is illustrative.
  • Private & secureYour information stays with you.
Accident settlement calculator

Added to the economic total but never multiplied: a damaged car is a real loss, and it does not generate pain and suffering the way a bodily injury does.

Estimated settlement range$82,000 to $158,800Midpoint estimate: $120,400
This is an estimate, not legal advice or a guarantee of any outcome.

Start with your type of claim

Every injury is valued differently. Jump straight to the plain-English explainer that fits your situation.

All explainers →
Car accidentRead the explainer →WhiplashRead the explainer →Slip and fallRead the explainer →Dog biteRead the explainer →Back injuryRead the explainer →Any injury claimRead the explainer →

How injury value is determined

We weigh the same factors an adjuster does to evaluate the true value of a case.

Economic damages

Medical bills, lost wages, and out-of-pocket costs, documented to the dollar.

Non-economic damages

Pain, suffering, and the loss of enjoyment of daily life.

Liability & fault

Who is at fault, and the degree of shared responsibility that shifts value.

Insurance factors

Policy limits, coverage types, and how the insurer negotiates claims.

Jurisdiction

Local courts, verdict trends, and state law all move the range.

Browse by topic

Every explainer, grouped by how you are trying to use it.

All explainers →
Plain-English explainer43 guidesBrowse the topic →Step-by-step explainer11 guidesBrowse the topic →

Start here

New to injury claims? These core guides explain how a case is valued and negotiated, in a sensible reading order.

01How Much Is a Car Accident Settlement Worth?32 min read →02What Is a Personal Injury Claim Worth?27 min read →03Pain and Suffering Calculator: How to Calculate It34 min read →04How to Negotiate an Injury Settlement (7 Steps)29 min read →05How to Write a Demand Letter (7 Steps + Template)35 min read →06How to Deal With Insurance Adjusters (9 Rules)42 min read →07Should You Accept the First Settlement Offer?28 min read →

Latest explainers

Plain-English breakdowns of how settlements are valued, updated as we publish.

Browse all →
A dark grey sedan with a crushed rear quarter panel and a silver car pressed against it on a wet city street under an overcast sky
Newest explainer

Total Loss Car Claim: How the Payout Is Decided

This explainer breaks down how an insurer decides a car is a total loss, how actual cash value gets built, what salvage retention costs, and where gap fits.

33 min read
Read explainer →
A person in a high-visibility yellow vest crouching beside the crumpled front corner of a dark vehicle, holding a phone in one hand and a clipboard in the other inside a lit workshopExplainer

Hit a Deer? Who Pays for Damage and Injuries

This explainer covers who pays after you hit a deer: why comprehensive rather than collision usually answers it, and what injuries do with no at-fault driver.

33 min read
A smartphone standing upright on a car hood showing a photograph of a damaged vehicle, beside a sheet of ruled paper with a pen resting on it, two darker cars blurred behindExplainer

How to Get a Police Report After a Car Accident

This explainer covers how to get a police report after a car accident: who holds it, how to request a copy, the typical wait, and how to fix an error on it.

41 min read
A person at a wooden table holding a printed sheet of ruled line items and figures, with more printed pages spread across the table and one hand resting on a black desk calculatorExplainer

Medical Liens: Who Gets Paid From Your Settlement

This explainer covers how medical liens attach to an injury settlement, who is repaid in what order, and how a reduction request is argued at disbursement.

33 min read
A blank ruled worksheet lying on a wooden desk beside a pocket calculator and a second printed sheet, in warm window lightExplainer

How Much Is a Workers Comp Settlement Worth?

This explainer breaks down how much a workers comp settlement is worth: impairment ratings, scheduled awards, and why no pain-and-suffering line exists.

40 min read
A person in a white coat and glasses resting a hand on the neck of a seated person in a beige shirt during an examination in a bright room with shelves behind themExplainer

Medical Malpractice Claims: The Basics

This explainer covers medical malpractice claims: the standard of care, why a bad outcome is not a breach, who can be sued, and what the records decide.

35 min read
An open book resting on a stack of two closed hardback books beside a wooden gavel on its round block, on a polished table in a dim room lined with shelvesExplainer

Product Liability Claims: How They Work

This explainer covers product liability claims: the three defect theories, who along the chain can be sued, what evidence decides them, and why they run long.

33 min read
Two people in dark business clothing seated across a polished wooden table, one passing a printed page of small unreadable text to the other, with a gold pen, a clipboard and an open navy folder resting between themExplainer

What Is a Release of Liability?

This explainer covers releases of liability: the pre-injury waiver, the post-injury settlement release, the clauses that matter, and why timing decides most.

35 min read
White painted crosswalk stripes running across damp dark asphalt at night, with warm amber light reflecting off the wet road surface and blurred lights further down the streetExplainer

Pedestrian Accident Claims: What to Know

This explainer maps how a pedestrian accident claim works: which policy pays when you were walking, why comparative fault dominates, and what evidence wins.

36 min read

Frequently asked questions

What people ask before they trust a number.

How accurate is the settlement calculator?

It produces an illustrative range using the multiplier method adjusters start from. Every claim is fact-specific, so treat it as a starting point, not a promise.

What does the calculator include?

Medical expenses and lost wages form the injury base the severity multiplier acts on. Vehicle and property damage is added to the economic total but is not multiplied. The severity presets stay inside the 1.5 to 5 illustrative band and stop at 5.

Is my information kept private?

Yes. The estimator runs entirely in your browser. We never require an email address or send your inputs to anyone.

Do I need a lawyer to use TortWise?

No. TortWise is an educational resource you can use on your own. For serious injuries, a licensed attorney can often increase a settlement well beyond their fee.

How is TortWise different from a law firm?

We are not a law firm and we do not represent clients. We explain how claims are valued so you can make informed decisions.

Can I use it if a professional already helped?

Absolutely. Many people use TortWise to sanity-check an offer they have already received.

About TortWise

We decode how claims are valued

TortWise guides are written by our editorial team from published jury-verdict data, insurer claim manuals, and state statutes. They are general information, not legal advice, and never a substitute for a licensed attorney.

This is general information, not legal advice. TortWise is an independent educational resource, not a law firm, and using it does not create an attorney-client relationship. Every claim is fact-specific, so consult a licensed attorney in your state before making decisions about a claim.

More about our editorial approach →
  • How we researchGuides draw on published jury-verdict data, insurer claim manuals, and state statutes, and are written in plain English by our editorial team. This is general information, not legal advice; every claim is fact-specific, so consult a licensed attorney in your state.
  • How we make moneySome attorney-directory links are affiliate or referral links. It never changes our explanations of how claims work.
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