Last updated: 5 May 2026.
1. Nature of the information
The calculators, guides, tables and articles on personalinjurycalculator.us (the “Site”) are general information only. They are intended to help injured people in the United States understand how insurance carriers value bodily-injury claims: how economic damages are totalled, how a pain-and-suffering multiplier is applied, and how each state’s comparative-fault rule, statute of limitations and damages caps change the result.
Nothing on the Site is legal advice, financial advice or tax advice. Reading this Site, or using a calculator on it, does not create an attorney-client relationship between you and the operators of the Site. The editorial team is not a law firm and includes no attorneys.
2. No guarantee of accuracy
We make reasonable efforts to keep our calculators aligned with current state statutes, published damages caps and documented claim-valuation practice. Despite this:
- Statutes of limitations, comparative-fault rules and damages caps change, and caps are sometimes struck down by state courts. There may be a lag between a change in the law and an update to the Site.
- Several state damages caps are adjusted annually for inflation, so a figure that was correct last year may not be correct today.
- Edge cases (contested liability, multiple defendants, government defendants and their notice deadlines, underinsured motorists, medical liens, wrongful death) require review by a licensed attorney.
- Calculator outputs are educational estimates of a public valuation method, not a prediction of what any insurer will offer or any court will award.
We do not warrant that any result on the Site is accurate, current or complete for your circumstances. Always verify before acting.
3. Authoritative sources
For binding rules, rates and entitlements, consult the primary sources directly:
- The official code or statutes of your state, published by that state’s legislature, for the filing deadline, the fault rule and any damages cap.
- Your state’s judicial branch website for court rules and any decision striking down or limiting a cap.
- Your state’s department of insurance for coverage requirements, minimum liability limits and no-fault or PIP thresholds.
- IRS Publication 4345, for how settlement proceeds are treated for federal tax purposes.
4. Get professional advice for your situation
If you need a definitive answer about your own entitlements or obligations, we recommend you contact:
- A personal-injury attorney licensed in your state. Most state bar associations run a free lawyer-referral service, and most personal-injury attorneys offer a free initial consultation and work on contingency.
- Your state bar association’s referral line, for help finding counsel and for checking that an attorney is in good standing.
- A certified public accountant or tax attorney for questions about the taxability of a settlement.
- Your own insurer, for questions about medical-payments coverage, PIP, or an underinsured-motorist claim under your policy.
5. Limitation of liability
To the maximum extent permitted by law, the operators of the Site, their directors, employees and contributors are not liable for any loss, damage, cost or expense (including consequential or indirect loss, lost profits, lost wages, or fines) suffered by any person as a result of using, or relying on, anything on the Site.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. Where a warranty cannot lawfully be excluded, our liability is limited, at our option, to re-supplying the relevant content or paying the cost of re-supply.
6. Third-party links and content
The Site links to third-party websites for source citations and further reading. We do not control or endorse those sites and accept no responsibility for their content, accuracy or availability.
7. Updates to this disclaimer
We may update this disclaimer from time to time. The current version is always the one published at this URL. Material changes will be reflected in the “Last updated” date above.
8. Contact
Questions about this disclaimer or a calculator result you believe is wrong? Please reach out via our contact page. Corrections are welcomed and acted on quickly.