What the estimate looks at
This product is built around a handful of practical inputs: fault, injuries, medical care, lost income, pain impact, and whether a commercial vehicle was involved. It is a triage model, not a full case valuation.
What the estimate cannot know
A short review cannot tell you the full medical picture, whether the available insurance is enough, how persuasive the evidence will look later, or how a specific state rule may shape the outcome.
What to do with the result
Use the score as a sorting tool. If the facts look modest and settled, the result may be enough for now. If the score looks higher or the facts feel unsettled, it may be worth taking the next step.
Why the score comes before verification
The site is built so users can see the estimate first. That keeps the early mobile experience lighter and makes the follow-up step a choice instead of an obligation.
Why insurance companies calculate settlements differently
Insurers use internal models that weigh medical expenses, lost wages, property damage, and pain and suffering — but they also factor in their own policy limits, state liability rules, and litigation cost estimates. Their number reflects what they are willing to pay, not necessarily what a claim is worth. An independent estimate like this one provides a reference point, not a counter-offer.
Is the estimate the same thing as a settlement offer?
No. It is an internal score based on the facts you provide. It is not an offer, a demand, or a prediction of what an insurer will actually pay.
Why does fault change the estimate so much?
Because uncertainty about fault changes how the whole claim is viewed. A claim with clear fault often reads very differently from one where liability is still being argued about.
Why are treatment and missed work part of the review?
They help describe whether the crash stayed minor or became disruptive. The review is trying to measure the shape of the claim, not just the event itself.
Can a low score still turn into a bigger issue later?
Yes. New treatment, a disputed fault story, or more complete records can change how a claim looks. That is one reason to avoid treating the first score as final.
What is the average car accident settlement?
Settlement amounts vary so widely that averages are rarely useful. They depend on the severity of injury, available insurance coverage, fault clarity, and state-specific rules. This site provides a directional estimate — not an average figure and not a prediction.
Does the calculator factor in pain and suffering?
The review includes a pain impact question. However, pain and suffering valuation in a real claim depends on documentation, treatment records, and state-specific methods that no short form can fully replicate.
How do insurance companies calculate settlements?
Insurers typically weigh medical bills, lost wages, property damage, and pain and suffering using internal models. Their calculation is not public and varies by company and policy. Independent estimates like this one use similar broad inputs but cannot access your actual policy limits or insurer criteria.
Should I take the first settlement offer?
First offers are often made before the full medical picture is known, especially when treatment is still ongoing. This site does not advise you on whether to accept or reject any specific offer. A licensed attorney in your state can review the offer in context.
Ready to see your own score?
Use the calculator as a first pass, then decide whether you want anything else after you see the result.
