Fair Settlement Fair Settlement

Free Personal InjurySettlement Calculator

Calculate your estimated settlement in 60 seconds using our 2026 AI model with the industry-standard Multiplier Method

Instant Results AI-Powered PDF Report Fairness Score™

Calculate Your Total Case Value

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Case DetailsFinancial ImpactAssessment
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Minor
Sprains, bruises, whiplash
🩹
Moderate
Fractures, concussion, disc
🏥
Severe
Surgery, TBI, permanent
Please select an injury severity level.
MildModerateExtreme
No
$
Please enter a valid amount greater than 0.
$
$
$
$
0% (Not at fault)50%100%
No

We'll show estimated attorney fees (33% contingency)

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Enter an offer to receive your Fairness Score™

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Estimated Settlement Range
$0
Economic Damages
$0
Pain & Suffering
$0
Multiplier
0x
Case Type
--
Multiplier Breakdown
Attorney Fees (33%)
Standard contingency
$0
Net to you: $0
Comparative Negligence Reduction
-$0
FAIRNESS SCORE™
0

Generate Free Demand Letter

Complete the details below to download a professional demand letter as PDF.

Your Information
Name is required.
Date of birth must be in the past and you must be at least 18.
Enter a valid phone number (7–15 digits).
Please enter a valid email address.
Incident Details
Incident date must be in the past.
Other Party & Insurance
Injuries & Treatment
Treatment is ongoing
Impact on Daily Life
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How the Pain Multiplier Works

Insurance companies and personal injury attorneys use the Multiplier Method to calculate the non-economic portion of a settlement — your pain and suffering.

01
Add Economic Damages
Sum all medical bills, lost wages, property damage, and out-of-pocket costs.
02
Apply the Multiplier
A factor between 1.5x and 5x+ is applied based on injury severity.
03
Get Total Value
Economic damages plus pain & suffering equals your estimated settlement.
Example Calculation
Medical Bills
$25,000
Lost Wages
$8,000
Multiplier
× 3.0
Settlement
$99,000

Average Settlements by Injury Type

Settlement values vary widely based on the type of accident and severity of injuries. These ranges reflect national averages.

Injury TypeTypical RangeAvg. Multiplier
Car Accident — Whiplash$10K – $50K1.5x – 3x
Car Accident — Fractures$50K – $200K2x – 4x
Truck Accident$100K – $1M+3x – 5x
Slip & Fall$15K – $100K1.5x – 4x
Medical Malpractice$200K – $2M+3x – 5x+
Workplace Injury$30K – $300K2x – 4x
Wrongful Death$500K – $5M+4x – 7x+

5 Steps to Maximize Your Settlement

1
Document Everything Immediately
Photograph the scene, injuries, and property damage. Get the police report and collect witness info.
2
Seek Medical Treatment Right Away
See a doctor within 72 hours. Delaying treatment gives insurers ammunition to argue injuries aren’t serious.
3
Never Accept the First Offer
Insurance companies routinely lowball initial offers — often 2–3x below fair value. Use our Fairness Score™ to evaluate.
4
Keep a Pain & Recovery Journal
Daily notes about pain levels, limitations, and emotional state strengthen the non-economic portion of your claim.
5
Send a Professional Demand Letter
A well-structured demand letter with itemized damages signals you’re serious. Use our free PDF generator.

Frequently Asked Questions

How is pain and suffering calculated?▼

We use the Multiplier Method, the industry standard used by insurance adjusters and attorneys. Your economic damages are multiplied by a factor between 1.5x and 5x+ depending on injury severity, treatment duration, permanence, and pain level.

What is the Fairness Score™?▼

The Fairness Score™ compares a settlement offer against the calculated fair value. Scores below 40 indicate a lowball offer, 40–80 means room for negotiation, and above 80 means the offer is within a fair range.

Is this legal advice?▼

No. FairSettlement.org is an informational estimation tool. Every case is unique. We recommend consulting with a licensed personal injury attorney for case-specific advice.

How accurate is this calculator?▼

Our calculator uses the same multiplier methodology attorneys and insurance companies use. Actual settlements depend on case-specific factors (evidence, jurisdiction, policy limits, representation), but our estimates provide a reliable range.

Is my data stored or shared?▼

No. All calculations and PDF generation happen entirely in your browser. We do not collect, store, or transmit any personal information. Your data never leaves your device.

Multiplier method vs. per diem method?▼

The multiplier method multiplies economic damages by a severity factor (1.5x–5x). The per diem method assigns a daily dollar amount for each day of pain. The multiplier method is more widely used and is the method our calculator employs.