Motor Vehicle Accident Settlement Calculator

A car accident settlement combines economic damages (medical bills, lost wages, future care costs) plus non-economic damages (pain and suffering). The total is then reduced by your percentage of fault under your state's negligence system — pure comparative, modified comparative, or contributory negligence.

Average car accident settlements range from $15,000–$30,000 for minor injuries, $30,000–$100,000 for moderate injuries, and $100,000–$500,000+ for serious or permanent injuries. The key variables are injury severity, fault percentage, available insurance limits, and your state's damage caps.

Most states allow 2–3 years from the accident date to file a lawsuit. Some states (Tennessee, Kentucky) allow only 1 year. Claims against government entities typically require a notice of claim within 60–180 days. Missing the deadline permanently bars your right to recover.

The most impactful factors are: injury severity and permanence, total medical costs (past and future), lost wages and earning capacity, your fault percentage, the other driver's insurance limits, your own UM/UIM coverage, and your state's negligence rules.