Bodily Injury Damages Calculator
Estimate total bodily injury damages including medical expenses, lost wages, pain and suffering multiplier, and other economic losses commonly used in personal injury and insurance claims.
Past and estimated future medical bills, therapy, prescriptions, etc.
Projected ongoing treatment, surgery, rehabilitation costs.
Income lost due to inability to work during recovery.
Estimated future income loss due to permanent or long-term disability.
Vehicle repair, personal property replacement, etc.
Transportation to appointments, home care, assistive devices, etc.
Typically 1.5–5x economic damages. Higher for severe/permanent injuries.
Percentage of fault attributed to the claimant (0–100%). Reduces award proportionally.
Formulas Used
Economic Damages = Medical Expenses + Future Medical + Lost Wages + Future Lost Earning Capacity + Property Damage + Other Expenses
Pain & Suffering (Non-Economic) = Economic Damages × Multiplier
Gross Total Damages = Economic Damages + Pain & Suffering
Fault Reduction = Gross Total × (Claimant Liability % ÷ 100)
Net Estimated Award = Gross Total Damages − Fault Reduction
Assumptions & References
- The multiplier method (also called the "damages multiplier") is the most widely used approach by insurance adjusters and attorneys to calculate pain and suffering. Multipliers typically range from 1.5 to 5 depending on injury severity, permanence, and impact on daily life. (Nolo, Insurance Information Institute)
- Comparative fault rules vary by state. Under pure comparative fault (e.g., CA, NY), recovery is reduced by the claimant's percentage of fault regardless of amount. Under modified comparative fault (majority of states), recovery is barred if the claimant is 50% or 51% or more at fault depending on the state.
- References: Restatement (Second) of Torts; Insurance Research Council; Jury Verdict Research; NOLO Legal Encyclopedia.