Free Car Accident Settlement Calculator

Find out how much your injury claim is worth — instantly, for free. Based on your medical bills, lost wages, and injury severity.

⚡ Estimate Your Injury Claim

Estimated Injury Claim Value
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🚗 Was your car damaged too? Your vehicle lost value even after repairs.
Calculate your diminished value →

How Car Accident Settlements Are Calculated

Your settlement is based on several factors that insurance adjusters use to value your claim:

1. Medical Bills (Past & Future)

Every dollar in medical expenses adds to your claim value. This includes ER visits, surgery, physical therapy, prescriptions, imaging (MRI, X-ray), and estimated future treatment.

2. Lost Wages

If you missed work due to your injuries, you're entitled to recover those lost earnings — salary, bonuses, commissions, and even reduced earning capacity for permanent injuries.

3. Pain & Suffering

This is often the largest portion of your settlement. Insurance companies typically use a "multiplier" of 1.5x to 5x your medical bills, depending on injury severity.

The average car accident settlement in Texas is $15,000 — $25,000 for moderate injuries. Severe injuries with surgery can reach $100,000+.

4. Property Damage & Diminished Value

Most people know about repair costs, but did you know your car is worth LESS even after a perfect repair? This is called diminished value, and it's a separate claim worth an average of $4,200.

→ Calculate your car's diminished value too

What Most Accident Victims Don't Know

One-Stop Shop for Your Entire Accident

Car Crash Value handles everything after your accident — injury claim, diminished value appraisal, free rental car, and attorney referral. All in one place.

Frequently Asked Questions

How long do I have to file a claim in Texas?

Texas has a 2-year statute of limitations for personal injury claims. However, it's best to act quickly — evidence fades and witnesses forget.

Should I accept the insurance company's first offer?

Almost never. First offers are typically 2-3x lower than what your claim is actually worth. Use our calculator to see the real value before accepting anything.

Do I need a lawyer?

For minor fender-benders, probably not. For any injury requiring medical treatment, having an attorney typically increases your settlement by 3-4x, even after their fee.

What is diminished value?

Even after your car is perfectly repaired, it's worth less because it now has an accident history. Texas law allows you to claim this lost value. Calculate yours here.

Don't Leave Money on the Table

Most accident victims settle for far less than they deserve. Get the full picture.

🛡️ Visit Car Crash Value →