ClaimLedge Calculators

Auto Accident & Injury Calculators

Estimate your claim value for any vehicle-related injury — car, motorcycle, truck, pedestrian, or dog bite. Then see what you'll actually take home after fees and liens.

Direct answer

These calculators value vehicle-related injury claims the way an insurer's first pass does: documented medical bills and lost wages, a severity multiplier for general damages, then a reduction for your share of fault, with the available policy limits as the ceiling. Every calculation runs in your browser and no input is transmitted or stored.

Car Accident Settlement Estimator

Know your claim value before the adjuster's first offer.

Settlements · Fault · Payouts

Motorcycle Accident Settlement Calculator

Accounts for rider-bias risk and higher injury severity.

Settlements · Rider bias

Truck Accident Settlement Calculator

Factors in commercial policy tiers and federal coverage minimums.

Policy limits · Damages

Pedestrian & Cyclist Injury Settlement Calculator

Right-of-way rules and no-fault variations by state.

Right of way · No-fault

Dog Bite Settlement Calculator

Strict liability vs. one-bite rules by state.

Strict liability · Damages

Settlement Payout & Offer Compare

What you actually take home after attorney fees and liens.

Fees · Liens · Net pay

How auto accident settlements work

Every auto accident claim follows the same basic framework, even though the outcome varies wildly based on your injuries, your state's fault rules, and the at-fault driver's insurance coverage. Understanding the framework puts you in a stronger position when the adjuster calls with the first offer.

The multiplier method

Most liability adjusters start with economic damages — your medical bills, projected future treatment, and documented lost wages. They then multiply that number by a severity factor (typically 1.5×–5×) to estimate general damages like pain and suffering. The sum is your gross claim value, which is then reduced by your share of comparative fault.

State fault rules change everything

In a pure comparative state (California, New York), you can recover damages even if you're 99% at fault — your award is just reduced by your percentage. In a modified comparative state (Texas, Illinois), you're barred from recovery once you're 51% or more at fault. In the handful of pure contributory states (Alabama, Maryland, Virginia, North Carolina, D.C.), any fault can bar your claim entirely.

Vehicle-specific factors

  • Motorcycle claims: Insurers lowball because juries are perceived as sympathetic to drivers. The bias-risk factor prices that in — strong evidence offsets most of it.
  • Truck claims: Federal law requires at least $750,000 in liability — often $1M–$5M. The policy-tier factor prices the difference between a federal-minimum crash and one involving a large fleet.
  • Pedestrian & cyclist claims: Right-of-way dominates. A pedestrian in a marked crosswalk with a walk signal has essentially bulletproof liability; crossing mid-block at night carries significant fault exposure.
  • Dog bite claims: Many states have strict liability (owner is liable regardless of the dog's history), while others use a one-bite rule. Most claims are paid by homeowner's or renter's insurance.

What you actually take home

The gross settlement number is not what you deposit. Attorney fees (typically 33–40% on contingency), medical liens, and case costs all come out first. The Settlement Payout & Offer Compare calculator above models the net recovery so you can evaluate whether an offer is fair.

Related calculators

Frequently asked questions

How is a car accident settlement calculated?

Most insurers use the multiplier method: economic damages (medical bills + lost wages) are added to general damages (economic × severity factor), then reduced by your share of fault. The result is a range, not a single number.

What's the average settlement for a car accident?

There is no universal average — settlements range from a few thousand dollars for minor soft-tissue injuries to six figures for surgical or permanent injuries. The outcome depends on documentation quality, policy limits, venue, and state fault rules.

How long does it take to settle a car accident claim?

Simple cases with clear liability and resolved treatment often settle within 3–6 months. Cases involving surgery, disputed liability, or litigation can take 1–3 years. Accepting the first offer usually means leaving money on the table.

Are dog bite claims handled differently from car accidents?

Yes. Many states have strict liability for dog bites (owner is liable regardless of the dog's history), while others use a one-bite rule. Most claims are paid by the owner's homeowner's or renter's insurance, not out of pocket.