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⚖️ US Personal Injury & Auto Accident Settlement Estimator (Specials + Pain & Suffering Multiplier)
Estimated Insurance Settlement Range (Before & After 33.3% Attorney Fee)
Est. Gross Settlement: $108,500 ➔ Net Client Recovery: ~$72,370
📚 How Insurance Adjusters Calculate Personal Injury Settlements (The Multiplier Method)
In US personal injury and motor vehicle tort claims, insurance carriers evaluate damages across two pillars: Economic Damages (Specials)—comprising documented ER bills, physical therapy, surgical costs, and lost W-2/1099 income—and Non-Economic Damages (General Damages / Pain and Suffering), typically estimated by multiplying total medical specials by a severity factor between 1.5x and 5.0x.