What is my claim worth?
Estimate your auto insurance settlement value in under 60 seconds using the same multiplier method that adjusters use.
Estimates only — not legal advice
This calculator provides a general range based on industry methods. Actual settlements vary based on jurisdiction, insurer policies, evidence, and negotiation. For accurate valuation, consult an attorney or use InsurifyAI's claims platform.
Tell us about your claim
Total cost to repair or replace your vehicle and other property.
ER visits, doctor appointments, physical therapy, prescriptions.
Ongoing therapy, future surgeries, long-term care.
If injuries reduce your ability to earn going forward.
Concussion, broken bones, soft tissue injuries.
Comparative negligence reduces your settlement by your percentage of fault. Most states cap recovery at 50% or less fault.
How the multiplier method works
The formula adjusters use to value claims
Add up economic damages
Total all your hard costs: vehicle damage, medical bills (current and future), lost wages, and lost earning capacity.
Apply pain & suffering multiplier
Multiply your medical expenses by 1.5–5× depending on injury severity to estimate non-economic damages.
Adjust for comparative fault
If you share fault for the accident, your settlement is reduced by your percentage of responsibility.
What this estimate excludes
Real-world settlements depend on many additional factors
- State-specific damage caps (some states cap non-economic damages)
- Insurance policy limits (the at-fault driver's coverage caps recovery)
- Punitive damages for egregious conduct (DUI, hit-and-run)
- Loss of consortium, emotional distress, scarring, or disfigurement
- Strength of evidence and documentation quality
- Negotiation skill and willingness to litigate
Ready to maximize your settlement?
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