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Are Car Accident Settlement Calculators Accurate?

If you have been in a car accident you may be wondering how much you can expect an insurance company to pay in order to cover your damages. One type of resource you may find when seeking answers to this question is the online car accident settlement calculator. But is the number produced by these calculators accurate? The following article discusses how these calculators work and how to understand and use the numbers they produce.

Estimates Only

None of the car accident settlement calculators available online produce figures that have any real authority, nor is there a common system used by all car accident settlement calculators. Instead, these systems allow you to input certain information which allows them to generate estimates based upon some potentially authoritative sources and data about historical payouts by insurers. The accuracy of a car accident settlement calculator will therefore depend upon the information it allows you to provide, the information the calculator uses to estimate different kinds of damage, and the ability (or inability) of the system to account for the peculiarities of your individual case.

Car Value

Many calculators will request that you provide information about your vehicle and the damage it took in the accident. The calculator will then produce an estimate of the value of the car which may or may not take into account details such as the initial value of the vehicle, its condition, depreciation, mileage, and other factors. The calculator's estimate of costs to repair or replace the vehicle may or may not take into account the cost of a specific car's parts or it may, in many cases, simply produce a figure that is an average of repair costs for vehicles with front-end damage, for example.

Injury Value

Like the calculation of damage to your vehicle, the valuation of injuries is often the result of reference to charts that set dollar amounts for specific kinds of injuries. These charts are often produced using average payouts in injury cases of a similar sort. The problem with these estimates is that body parts, unlike car parts, are difficult to replace and are not traded in the marketplace.

Injuries are also capable of producing drastically different affects depending on the person injured. The loss of a leg, for example, might result in enormous financial, emotional, and psychological damage to a young professional dancer or athlete. And though the same injury would also be terribly serious to a retired computer programmer, the valuation of these two injuries is likely to be quite different because they affect the earning capacity of the two parties quite differently.


Property damage and medical expenses can be challenging to estimate, but other grounds for recovery such as pain and suffering are even more slippery. Pain and suffering are highly subjective and, as with physical injuries, might range significantly depending on the individual and their circumstances. Most car accident settlement calculators get around this uncertainty by using one of a couple of multipliers. A multiplier, usually ranging between 1.5 and 5, is applied against another line-item, usually medical expenses.

The reasoning here is that a more serious injury typically produces higher medical expenses and is more likely to result in pain and suffering. More than any other aspect of car accident settlement calculation, the pain and suffering multiplier should be looked at skeptically and with the details of your particular situation in mind.


Car accident settlement calculators are not accurate in the sense that their results should not be relied upon. Most calculators fail to gather enough information to adequately determine the amount of your individual claim. However, they are still useful for providing general estimates.

Get a Free Case Assessment

A lawyer's advice is frequently much more accurate than a car accident settlement calculator. They can ask questions and receive information that is much more detailed and particular to your situation than any calculator available. They may have experience dealing with the insurers involved and in local courts, which helps provide more accurate estimates. Contact a local attorney to schedule a free case evaluation to discuss your claims and learn more.

Next Steps
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