Add your medical bills and lost wages, multiply by a severity factor of 1.5 to 5, and you have a rough settlement estimate: that is the multiplier method insurers and attorneys both start from.
At a 3x multiplier, economic and non-economic damages combine into a total estimate below.
Enter your numbers and get an instant estimate. All calculations run in your browser - nothing is stored.
Enter medical bills, lost wages and a severity multiplier. Get economic damages, general damages and a low/high range.
Flagship calculatorEstimate economic and non-economic damages for a malpractice claim. Includes state cap warning for high non-economic figures.
Cap-aware estimateCheck all three federal FMLA criteria: 12 months employed, 1,250 hours worked, 50+ employees within 75 miles.
Pass / fail per criterionEstimate your monthly benefit at 62, full retirement age and 70. Compare early vs. delayed claiming trade-offs.
Bend-point formulaMedical bills, lost wages, property damage and a pain multiplier into one estimate.
Free estimatorTypical settlement ranges, pain and suffering multipliers and the factors that move value up or down - by injury type.
From muscle strains to spinal fusion - run your numbers with sourced ranges and the multipliers used for lumbar and cervical back injuries.
$12,000 to $90,000+MRI-confirmed herniations command higher multipliers. See how surgery vs. conservative care changes the range.
$25,000 to $350,000+ACL tears, meniscal repairs and traumatic arthritis. See typical values and what shifts an adjuster's multiplier.
$15,000 to $150,000+The most common car accident injury. Typical range and why gaps in treatment hurt whiplash claims more than others.
$2,500 to $10,000Sprains, strains and contusions. How insurers value these claims and what documentation raises the offer.
$5,000 to $25,000Fractures with objective X-ray evidence. Displaced vs. non-displaced, open vs. closed and how they affect value.
$15,000 to $60,000Rotator cuff tears, labral repairs and SLAP lesions. Typical ranges and surgical vs. conservative treatment value.
$15,000 to $70,000Traumatic brain injuries carry the highest multipliers. Understand why documented cognitive symptoms matter so much.
$50,000 to $300,000+Visible permanent scarring commands separate damages. Location, severity and plaintiff age all factor in.
$30,000 to $200,000Catastrophic injuries with permanent paralysis or partial loss of function. Lifetime care costs drive enormous awards.
$200,000 to $1M+A multiplier is a starting point for a negotiation, not a number an insurer owes you.
The multiplier ranges, severity bands and worked example behind every calculator on this site, published as one dataset.
Our own multiplier model, laid out as a table: severity band, typical multiplier range, and what moves a case between bands. Includes a downloadable CSV and methodology.
Updated 2026-07-02A comprehensive walkthrough of how personal injury settlements are calculated, negotiated and finalized.
In-depth guideHow we research, verify and update every calculator and article on this site. E-E-A-T for YMYL legal content.
About our processA multiplier only gets you a starting figure. Liability, jurisdiction, policy limits, comparative fault and the specific facts of a case all move the real number, sometimes by a lot, so nothing on this page is legal advice. Bring your own facts to a licensed attorney before you treat any output here as final.