Claim value estimator
Build a low, typical and high range from verifiable specials (medical bills, lost pay, IRS-rate medical mileage), apply a clearly-labelled general-damages multiplier range, then reduce it by the claimant's own share of fault under their state's rule. Every input, factor and source is shown and editable. The multiplier is negotiation convention, not a government formula, and the tool says so on its face: this is a starting point for a conversation, not a prediction and not legal advice.
Your answers stay on this device. Nothing you type here is sent anywhere.
How this works
- Your specials are added up first: medical bills, gross lost pay, and travel to medical appointments valued at the IRS medical mileage rate of 23.5 cents per mile for the second half of 2026.
- General damages - the part for pain, disruption and the things that have no receipt - are shown as a RANGE, worked as a multiple of your specials. Be clear about what that multiplier is: it is negotiation convention. There is no statute, no regulation and no official table that says a claim is worth N times the bills. We show the range and name it for what it is.
- Your own share of the fault is then applied under your state's statute. In Arizona that only reduces the figure. In Texas, Florida and Illinois it wipes it out above 50 percent. In Georgia it wipes it out AT 50 percent.
- The figure before the fault reduction is shown too, so you can see exactly what the argument about fault is worth.
- This is a starting point for a conversation, not a prediction of what you will be paid, and it is not legal advice.
Sources
- IRS: Standard mileage rates (medical rate 23.5 cents/mile for 1 July-31 December 2026; 20.5 cents for 1 January-30 June 2026). Read 2026-09-23.
- Bureau of Justice Statistics: Civil Justice Survey of State Courts. Reality-check context only, and the tool states the vintage: the median final award to plaintiff winners in motor vehicle tort trials was about $15,000-$17,000 in the 2005 collection. This is 2005 data and is NOT used to predict a 2026 claim.
- Texas Civil Practice & Remedies Code 33.001: a claimant may not recover if their percentage of responsibility is greater than 50 percent. Read 2026-09-23.
- Florida Statutes 768.81: a party found greater than 50 percent at fault for their own harm may not recover damages (medical negligence excepted). Read 2026-09-23.
- Arizona Revised Statutes 12-2505: pure comparative negligence; the claimant's action is not barred, damages are reduced in proportion to fault. Read 2026-09-23.
- Official Code of Georgia Annotated 51-12-33(g): the plaintiff recovers nothing if 50 percent or more responsible. Read 2026-09-23.
- 735 ILCS 5/2-1116: the plaintiff is barred if contributory fault is more than 50 percent. Read 2026-09-23.
- Expert review
- My Wreck Check Editorial Team, editorial review: primary sources checked and independently fact-checked (October 26, 2026)
- Last verified
- September 23, 2026
Information only, not legal advice and not a prediction. The multiplier applied to your specials is negotiation convention, not a government formula.
Common questions
Is this what I will get?
No, and any tool that tells you otherwise is guessing. What your claim settles for depends on the evidence, the policy limits behind the other driver, how your treatment ends and who is negotiating. This shows you a defensible range to start from so that a first offer does not become your only reference point.
Where does the multiplier come from?
It is negotiation convention, not law. No government body publishes a formula turning medical bills into a settlement figure, and we will not pretend one exists. The parts of this estimate that ARE verifiable - your bills, your lost pay, the IRS mileage rate and your state's fault statute - are cited on this page. The multiplier is shown as a range precisely because it is an assumption you should be able to see and argue with.
Why does my state change the answer so much?
Because comparative negligence rules differ by a single percentage point and that point is worth the whole claim. Georgia bars recovery at 50 percent or more fault. Texas bars it only above 50 percent. On identical facts at exactly half the blame, a Georgia claimant recovers nothing and a Texas claimant recovers half.
Do you send my medical bills to anyone?
No. The amounts you type here stay in your browser. They are used to work out your range and are never included in anything sent to anyone, and nobody contacts you unless you separately choose them.
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