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Free personal injury settlement calculator for economic losses, pain-and-suffering multiples, and comparative fault. Pair it with other Legal & Compliance tools for demand prep—illustrative only, not legal advice.
Last updated: April 19, 2026
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Out-of-pocket costs, property loss, mileage, or similar (optional).
Illustrative only; insurers and fact-finders use many different methods.
Recovery is reduced by your share of fault in pure comparative-fault jurisdictions.
Economic damages
$53,500
Pain & suffering
$66,000
Gross case value (illustrative)
$119,500
After comparative fault
$101,575
Range low
$83,292
Range high
$113,764
Formula summary
Economic ($53,500) + P&S (2× medical/future $33,000) = $119,500 × 85% recovery
Illustrative gross case value ~$119,500; after 15% comparative fault, ~$101,575. Typical negotiation band about $83,292 – $113,764.
Important:
Best for
Pre-litigation
Separate economic and non-economic components for clearer narratives.
Best for
Liability disputes
Adjust plaintiff fault percentage to see recovery sensitivity.
Best for
Negotiation bands
Toggle 1× through 4× to bracket pain and suffering discussions.
Best for
ADR planning
Align on economic specials before discussing general damages.
Best for
Policy review
Compare illustrative value to available limits separately.
Best for
Expectations
Medical base, multiplier, and fault drive most of the swing in this model.
$25k medical + $8k future medical, $12k lost wages, $8.5k other economic, 2× P&S, 15% your fault:
After comparative fault
$101,575
Illustrative range
$83,292 – $113,764
Economic damages combine medical bills, future medical, lost wages, and other economic losses you enter. Pain and suffering is estimated as a multiple of medical plus future medical—an informal approach sometimes used in early cases. The gross total is then reduced by your comparative fault percentage to show an illustrative net recovery, with a low–high band for negotiation.
Economic = medical + future medical + wages + other economicP&S ≈ multiplier × (medical + future medical)Gross = economic + P&SNet = gross × (100% − your fault %)Pure comparative fault states reduce recovery proportionally; modified comparative rules are not modeled here.
Specials, generals, fault—then limits and liens in real cases
Net illustrative recovery about $101,575, with a negotiation band of about $83,292 – $113,764.
Policy limits and liens can reduce what you actually receive; verify with an attorney.
Share it with anyone evaluating a personal injury claim
Suggested hashtags: #PersonalInjury #Settlement #Negligence #Insurance #Calculator