Use this personal injury calculator to organize known costs and explore an illustrative scenario. Then see what information to gather for an individual case review.
Your illustrative injury scenario
$0 – $0
Incomplete information
Here is an example using the amounts shown. Replace them with your own estimates to make the range more useful.
$0Medical costs + missed income
$0Property costs (separate)
What needs individual review?
Who was responsible and what the evidence shows
Medical records, future care, and how the injury affects work and daily life
Available insurance coverage and any prior or disputed conditions
Talk through your situation
If you want help understanding what matters, we can review the facts with you. There is no obligation to hire us.
The tool adds medical costs and missed income, then multiplies that subtotal by the life-impact and duration assumptions you select. It adds 65% to 135% of that illustrative component to the subtotal and rounds the lower end down and the upper end up to the nearest $100. Property costs appear separately and are not included in the injury scenario.
The life-impact assumptions are 1.5, 2, 3, and 4; the duration assumptions are 1, 1.15, 1.3, and 1.5. They are fixed educational assumptions, not factors calibrated to settlement outcomes. Missed income affects this illustration because it is in the subtotal; that is not a rule for valuing pain. The range is not a confidence interval. The insurer-offer answer changes the preparation guidance, not the amount.
For example, $8,500 in medical costs and $3,200 in missed income produce an $11,700 subtotal. The default factors create a $17,550 illustrative component and a rounded scenario of $23,100–$35,400. The $4,000 example property cost stays separate. These are demonstration numbers, not a case result.
Using the injury calculator with your own information
You do not need to enter contact details to use the tool. Start with the records you have, distinguish a known zero from an unknown amount, and keep notes about anything still outstanding. The number shown is an illustration; it does not decide what an insurer owes or whether you have a claim.
Which amounts should I enter?
Medical bills: use accident-related billed charges incurred so far, counting each service once. Do not add an insurance payment or your copay on top of the same billed charge. If you have a $1,000 bill showing $700 paid by insurance and $300 owed by you, do not enter $2,000. This input records charges for this exercise; it does not establish which amounts are legally recoverable.
Missed income: use documented gross earnings you missed because of the injury, such as missed hours multiplied by your usual rate. For self-employment, use a supported estimate of missed personal earnings or profit, not total business revenue. Keep future earning concerns, benefits, and reimbursements in your notes for review.
Property: enter a known repair or loss amount separately. Avoid counting both the repair cost and the full replacement value of the same vehicle. Tell the reviewing attorney if that part of the claim has already been paid or settled; it is not automatically additional money available to you.
What if treatment is ongoing or a bill is missing?
Clear an unknown amount instead of guessing. Missing medical or income information pauses the numerical scenario. An unknown property amount is labeled separately and does not stop the injury illustration. You can type an amount directly or open a slider with the dollar button. The slider expands for larger valid amounts; it is a convenience control, not an insurance limit.
Keep a list of providers whose bills have not arrived, appointments already planned, and any work restrictions. Do not invent a price for future surgery or assume all future earnings are lost. Those questions need records and an individual evaluation.
How should I choose life impact and duration?
Think about activities you could do before the injury and what has changed: sleep, driving, household tasks, work, exercise, and time with family. Choose the description closest to your experience so far. Duration means time already experienced, with an ongoing option; neither selection predicts your recovery or diagnoses an injury.
For help recording these changes, read our pain and suffering guide. It explains that subject in more detail without requiring you to assign your daily activities a dollar value.
What does the number leave out?
The scenario does not evaluate responsibility, available insurance, disputed evidence, future care, prior conditions, or legal deadlines. It also does not subtract attorney fees, case expenses, medical liens, or reimbursement claims. It is not a take-home calculation. A low subtotal—or no subtotal—does not establish that an injury has little or no value.
Our case-value guide covers the broader questions that require review. Arizona's civil jury instructions on injury damages describe evidence-based damages categories; they do not provide the multiplier table used in this illustration.
What should I have ready for a case review?
Bills and treatment records available so far, plus a list of missing records.
Pay records, missed work dates, and any written work restrictions.
Accident details, photographs, insurance correspondence, and any written offer or release.
Notes about daily activities affected and questions about ongoing care.
You can ask for help before you have every document. If you want to discuss your situation, call (602) 345-1818 or use the case-review form. No obligation to hire us. Have your calculator figures handy; submitting the form does not automatically send these inputs.
