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.

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 because of your injuries, lost earnings are often part of an injury claim. That can include salary, bonuses, commissions, and, in some cases, reduced earning capacity when an injury is lasting.

3. Pain & Suffering

This is often a large part of a settlement. One common approach applies a multiplier to medical bills based on how serious the injury was. The calculator above uses that idea to show a rough range. Treat the result as an estimate.

4. Property Damage & Diminished Value

Repair costs are only part of the vehicle claim. A car can be worth less even after a solid repair because the crash shows up on its history. That loss is called diminished value, and under Texas law it may be a separate claim from the injury claim.

→ Calculate your car's diminished value too

Two Separate Claims

• A crash can involve two claims — an injury claim and a diminished value claim.
• A rental car while the vehicle is repaired is sometimes available when the other driver was at fault.
• Review an offer before you accept it. A licensed attorney can talk through what the insurer proposed.
• You don't need money upfront. Most attorneys work on contingency — they only get paid if you win.

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.

• 🏥 Free injury calculator — instant estimate
• 🚗 Free rental car while yours is being repaired
• 📊 Diminished value report — a written report on your car's lost value
• ⚖️ Attorney referral — zero out of pocket (Texas)

Frequently Asked Questions

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

Deadlines apply to car accident claims in Texas, and they are not the same for every type of claim. Talk to a licensed attorney about the deadlines that apply to you. It is best to act quickly — evidence fades and witnesses forget.

Should I accept the insurance company's first offer?

Be careful with a first offer. Insurers often open low. Use the calculator to see what your medical bills, lost wages, and injury severity suggest before you accept anything.

Do I need a lawyer?

A minor crash with no injury may not need a lawyer. If you needed medical treatment, talk with a licensed attorney before you settle. Many Texas attorneys work on contingency — you pay nothing unless they recover money for you.

What is diminished value?

Even after your car is repaired, it can be worth less because it now has an accident history. Under Texas law, you may be able to claim this lost value. Calculate yours here. For a formal written appraisal, see how diminished value is calculated by Elektrica Consulting.