Get a rough settlement range for your car accident in a short, private conversation. Covers medical bills, lost wages, pain and suffering, property damage.
This uses our own server-side AI, not ChatGPT. Your conversation is encrypted at rest on our servers and auto-deleted within 30 days. A 2026 federal ruling held that sharing case details with consumer chatbots can waive attorney-client privilege, so we built this as the safe alternative. Learn more about using AI for your case.
Most injury settlement calculators online are multi-step forms built to capture your contact info and hand you off to a law firm. Ours works differently. You have a short, natural conversation with our private AI (not ChatGPT) that asks about your case, gathers the details that actually drive settlement value, and gives you a range based on what similar cases have resolved for. There is no signup, no email requirement, and nothing is sold or sent to attorneys. Your conversation is also encrypted at rest on our servers and auto-deleted within 30 days (so you can access estimate for one month via emailable link).
The calculator handles most personal injury case types: car accidents, truck accidents, motorcycle crashes, pedestrian and bicycle incidents, slip and fall, medical malpractice, product liability, dog bites, nursing home abuse, wrongful death, workplace construction accidents, and premises liability.
Verify you are human, then click Start. A short, guided conversation follows (typically 2 to 4 minutes).
Not legal advice. This is not legal advice. The estimate is for general orientation only. For a real evaluation of your case, consult a personal injury attorney licensed in your state.
Car accident settlements in the United States typically range from a few thousand dollars for minor fender-benders with no injuries up to six or seven figures for crashes involving serious injury, surgery, or long-term impairment. The final figure depends on injury severity, clarity of fault, insurance policy limits, and the state where the accident happened.
This calculator asks about your crash, injuries, medical treatment, lost income, and insurance situation, then returns a rough range based on how similar cases have resolved. You share nothing with consumer chatbots like ChatGPT, and we never sell, share, or contact you about the conversation afterward.
Q: What is the average car accident settlement?
There is no single "average" because severity varies enormously. Soft-tissue-only crashes often settle in the $3,000 to $25,000 range. Crashes involving broken bones, surgery, or significant recovery time commonly settle between $25,000 and $150,000. Cases with permanent injury, traumatic brain injury, or wrongful death can reach six or seven figures, subject to available insurance coverage.
Q: How long does a car accident settlement take?
Simple liability-clear cases with completed medical treatment can settle in 3 to 6 months. Cases with ongoing treatment, disputed liability, or litigation may take 1 to 3 years. A key rule is not to settle before you reach "maximum medical improvement" (when doctors say you are as recovered as you will get), because you cannot go back for more once you sign the release.
Q: Does it matter which state the accident happened in?
Yes. Fault rules differ (pure comparative, modified comparative, contributory), no-fault insurance states limit who can sue, and damage caps vary. A 70-percent-at-fault plaintiff in some states still recovers 30 percent of damages; in others they recover nothing. Our calculator factors in the state you provide.
Q: What if the other driver was uninsured?
Your own policy's uninsured motorist (UM) or underinsured motorist (UIM) coverage steps in. Settlement is then limited by your UM/UIM limits rather than the other driver's policy. If you have only state-minimum coverage, settlements are often capped by policy limits regardless of how serious your injuries are.
Q: Should I take the first offer from the insurance company?
Almost never. Initial offers are typically 30 to 60 percent of what a case is actually worth. Insurers expect you to counter-offer. Having a realistic estimate before you negotiate is the single biggest lever you have. That is what this calculator is for.
