PersonalInjuryCalculator.us Editorial Team
The team that researches, writes, and maintains the settlement calculators, guides, and state law pages on PersonalInjuryCalculator.us.
The PersonalInjuryCalculator.us editorial team researches, writes, and maintains everything published on this site: the settlement calculators, the accident and process guides, the state law pages, and the glossary. The work is documentary rather than anecdotal. The team reads the published claim-valuation literature, the state statutes that set filing deadlines and damages caps, and the government data sets (CDC, BLS, NHTSA, FMCSA) that describe how often injuries happen and what they cost. It then reproduces, in the open, the arithmetic carriers are documented to use: economic damages as the floor, a pain-and-suffering multiplier or per diem figure on top, a comparative-fault reduction, statutory caps, and the policy limit as the practical ceiling. Every dollar range carries a citation to where it came from, and self-reported law firm figures are labeled as such rather than presented as verified data. Corrections are welcome and are made in the open. The team is not a law firm, includes no attorneys, and gives no legal advice, and reading this site creates no attorney-client relationship. For any case involving a serious injury, contested fault, a looming filing deadline, or a settlement offer over a few thousand dollars, speak with a licensed personal-injury lawyer in your state.
What this team does
This site exists to answer one question honestly: what is a personal-injury claim likely to be worth, and how did anyone arrive at that number? The editorial team builds and maintains four things toward that end. The settlement calculators, which run the same arithmetic an insurance carrier runs. The guides, which explain each step of that arithmetic in plain English. The state pages, which record the filing deadline, the comparative-fault rule, and any damages cap for each covered state. And the glossary, which defines the vocabulary an adjuster will use with you.
Nothing here is a lead-generation funnel. The team takes no referral fee, does not sell your case to a law firm, and does not ask for your contact details before showing you a number. Where the honest answer is that the range is wide and the underlying data is thin, the page says so instead of inventing false precision.
How the numbers are researched and cited
Insurance carriers value bodily-injury claims with two documented tools: the multiplier method and the per diem method. The multiplier method takes the economic damages (medical bills, lost wages, future medical) and multiplies by a factor that usually runs from 1.5 to 5, depending on injury severity, treatment length, permanence, and how sympathetic a jury would find the case. The per diem method assigns a daily dollar value to pain and suffering and multiplies by recovery days. The calculators here reproduce that process in the open, so you can see what an insurer is likely to compute before you ever receive a written offer.
On top of the base figure, the carrier applies state-specific reductions: a comparative-negligence cut if you bear any share of fault, statutory caps on non-economic damages, the policy-limit ceiling, and offsets for collateral sources where state law allows them. Each of those rules is taken from the state statute itself and linked from the relevant state page rather than summarized from memory.
Sources are ranked, not treated as equal. Government and regulatory data (CDC, BLS, NHTSA, FMCSA) and the primary text of state statutes carry the most weight. Court and jury-verdict reporting comes next. Law firm settlement ranges come last, because they are self-reported marketing figures with obvious selection bias, and they are labeled as self-reported wherever they appear. Where sources disagree, the page shows the spread instead of picking a convenient midpoint.
Every dollar figure, filing deadline, and damages cap on this site is published with its source attached. If a claim on this site is not traceable to a citation, treat that as a defect and report it.
This team is not a law firm
The editorial team is not a law firm and includes no attorneys. It holds no bar admission in any state, it does not represent clients, and it does not give legal advice. Reading this site, or using a calculator on it, creates no attorney-client relationship. The estimates here are educational illustrations of a public valuation method, not a prediction about your case and not a substitute for advice from someone who can review your file.
For any case involving a serious injury, contested fault, statute-of-limitations risk, or a settlement offer above roughly $25,000, talk to a licensed personal-injury lawyer in your state. Most state bar associations run a free attorney referral service.
Corrections and updates
State law moves, and a settlement page that is quietly out of date is worse than no page at all. Florida cutting its personal-injury filing deadline from four years to two, and Michigan changing how much no-fault medical coverage a driver carries, are exactly the kind of changes that alter the math on a real claim. When a statute, a cap, or a fault rule changes, the state page, the calculator logic, and every guide that relies on the old figure are updated together, so the site never carries two versions of the same number.
If you find a figure that looks wrong, a citation that no longer resolves, or a statute that has been amended since it was published here, send it in through the contact page. Name the page and the specific claim, and include the source if you have one. Substantive corrections are made on the page itself, and the source list at the foot of that page is updated to match, so you can always check a figure against what it was drawn from.
The team accepts no payment, sponsorship, or placement in exchange for changing a figure, adding a link, or recommending a firm.