Hurt in a car accident that wasn't your fault?wasn't your fault? See what your case could be worth.

See what your case could be worth.

Answer 8 quick questions for a free settlement estimate.Even a small accident can count. Answer 8 quick questions and see what cases like yours settle for.

  • Hurt in the accident
  • Not your fault, or mostly not
  • Happened recently
  • No attorney yet
  • Saw a doctor, or still need to
  • Insurance offered too little, or nothing yet
  • Happened recently
  • No attorney yet
Free case value estimate

Get your free settlement estimate

8 quick questions. About 1 minute.

Free. No obligation. About 1 minute.Get your estimate and your free Personal Playbook right to your phone.

Free to checkFree, no obligation Private and secure

The insurance company has a team working to pay you less. You need an attorney working to get you more.

3x moreMoney for car accident victims who had an attorney, in a survey reported by Forbes.
Nearly halfOf whiplash patients still have neck pain a year later, per a 2008 medical review. Don't settle early.
$30,700 gapThe average gap with an attorney, before fees. Sign the insurance company's offer, and it's over.
About 1 minute8 questions. No documents needed.8 questions. Get your estimate and your free Personal Playbook right to your phone.
A man on his porch on a phone call about his accident case
How a case value is calculated

The adjuster prices your case on five things. Now you can too.

Your injuries and how long they last. The most serious injury, the treatment it needed, and whether anything is permanent set the base of every case.

Medical bills and future care. Documented treatment is what proves the injury, and it is what everything else is measured against.

Lost income. Missed work, reduced hours, and work you can no longer do are added on top.

Who was at fault. Every state has its own rule for shared fault, and a few bar any recovery if you were partly at fault.

Available insurance. The other driver's policy limit, and your own coverage, decide how much can actually be collected.

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How it works

Your free estimate in 3 steps. About 1 minute.

Your answers go through the same factors the adjuster looks at first.

  1. 1

    Answer 8 quick questions

    Where it happened, your worst injury, your recovery, missed work, fault, and insurance.

  2. 2

    See your settlement rangeGet your settlement range

    A low-to-high range built from your answers.A low-to-high range built from your answers, sent right to your phone with your free Personal Playbook.

  3. 3

    Find out where your case falls

    Your estimate is a range. One short call with a case advisor matches you with a local attorney who focuses on cases like yours, so your review is about your case, not a guess. No risk. You only pay once you have settlement money in hand.

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Question 3 of 8Free case value estimate

What was your most serious injury?

Whiplash, sprain, or soft tissueConcussion, herniated disc, or ongoing painBroken boneSurgery or permanent injury
Who may qualify

Is this for you? A 10-second check.

You may have a case if:

  • You were injured and got medical care, or are still treating.
  • The other driver was at fault, or mostly at fault.
  • The accident is inside your state's filing deadline. Most are 2 to 3 years.
  • You were a driver, passenger, rideshare passenger, pedestrian, or cyclist.

Probably not a fit if:

  • You weren't injured and didn't need medical care.
  • You caused the accident.
  • The accident happened more than 2 years ago in most states.
Know this first

Five ways your case loses value

Most of them happen before you ever talk to an attorney.

A fast offer.

It often comes before you know how hurt you are. Sign it, and your case is closed for good.

A gap in treatment.

Weeks without care get read as "it wasn't that bad." Follow your doctor's plan.

A recorded statement.

What you say on the phone can be used to argue fault. You do not have to give one right away.

Your share of fault.

In most states, 20% at fault means 20% less. In a few states, any fault can mean nothing.

A small policy.

Many drivers carry only the state minimum. Your own underinsured coverage can fill the gap.

See my case valueFree. No obligation.
Your team

They show up with a team. Don't show up alone.

The adjuster calling you works for the company that pays your settlement. Here is who is on your side.

Their side

  • An adjuster whose job is to close your case for less.
  • Software that puts a price on your injury.
  • Attorneys on call to defend the insurance company.

Your side

  • A free estimate of what your case is worth, from 8 questions.
  • Plain-English guides to the calls, letters, and offers you get.
  • A local attorney on your side, before you sign anything.
  • No risk. You only pay once you have settlement money in hand.
$44,600with an attorneyvs$13,900on their own

Average amount car accident victims received, with and without an attorney. That is about 3 times more. People with an attorney were also more likely to get paid at all: 74% vs 54%.

Source: survey reported by Forbes Advisor. Averages before attorney fees.
$750,000

fine for Farmers in 2007. North Dakota said it rewarded adjusters for paying injured people less. Farmers denied it.

Source: Claims Journal, July 2007
Nearly 1 in 2

people hurt by another driver now hire an attorney. Getting help is normal, not greedy.

Source: Insurance Research Council, 2026
What you need

What an attorney needs to value your case

The estimate needs only your answers. A real valuation needs records. Here is what to gather when you can.

What you may be able to recover

Medical billsFuture careLost wagesPain and sufferingCar damageOut-of-pocket costs

Every case is different and none of these is guaranteed.

Medical records and billsEvery visit, test, prescription, and the amounts billed, paid, and still owed.
Proof of lost payPay stubs, a letter from your employer, or tax records if you are self-employed.
The police reportThe report number is enough to start. It carries the first word on who was at fault.
Photos and witnessesDamage, vehicle positions, the road, and the names of anyone who saw it.
The other driver's insuranceCompany, policy number, and any letters or offers from their adjuster.
Your own policyUninsured and underinsured motorist coverage, medical payments, and PIP all change what can be collected.
Common situations

Situations that change the math

Short, educational notes. Appearing here doesn't mean a case qualifies.

Rear-end collisionsFault is usually clear, which keeps the full value on the table. Neck and back pain can show up later.
Intersection and side-impactDrivers often disagree about the light. Your share of fault comes straight off the value.
Uninsured or underinsured driverAbout 1 in 7 drivers has no insurance. Your own policy may be what pays.
No-fault statesYour own policy pays the first medical bills. Pain and suffering usually needs a serious injury.
Commercial truck collisionsA company and a commercial policy are involved, so limits are usually far higher.
Passengers and ridesharePassengers rarely share fault. Which policy applies can depend on whether the app was on.
Motorcycle, pedestrian, and bicycleInjuries are usually more serious, and different insurance rules can apply outside a car.
Multi-vehicle accidentsSeveral drivers and insurers can share the payment. Photos of each car's position help.
FAQ

Questions before you start

Still not sure? The estimate is free, and there's no obligation to do anything after.

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How is the estimate built?

Your most serious injury and recovery set a typical range of medical bills. That range is scaled by what insurers have paid on similar cases, and lasting injuries count for more. Lost pay is added. Then your state's fault rule, insurance, and average payments adjust the range.

Is the estimate a promise of what I will get?

No. It is an educational range built from public settlement data. Your real records, the other driver's policy limit, and the facts of the accident decide the actual amount.

What is the average car accident settlement?

It depends on the injury. A soft-tissue case often settles in the low thousands, and a surgery case can run into six figures. In a survey reported by Forbes Advisor, car accident victims with an attorney received $44,600 on average, before fees.

Is it true the settlement is three times the medical bills?

Sometimes. It is a rule of thumb, not a law. Injuries that heal fast often settle for less. Lasting injuries and surgery often settle for more.

What if I was partly at fault?

In most states your share of fault reduces the amount. A few states bar any recovery if you were partly at fault, and others cut you off at 50%. The estimate applies your state's rule.

What are policy limits?

The most the other driver's insurer will pay. Many drivers carry only the state minimum, often $25,000 per person. Your own underinsured motorist coverage can add to it.

What if the other driver has no insurance?

Your own uninsured motorist coverage may pay. Policies and state rules differ, and an attorney can read yours.

I live in a no-fault state. Does that change things?

Yes. Your own policy pays the first medical bills, and pain and suffering usually needs a serious or lasting injury. The estimate accounts for that.

Do people with an attorney really get more?

In a survey reported by Forbes Advisor, car accident victims with an attorney received $44,600 on average. People without one received $13,900. That is about 3 times more, before fees. A survey is not a promise, and every case is different.

How much do car accident attorneys take?

Most work on contingency. There is no fee unless they recover money for you. The fee is usually about a third of the settlement, and it is set in writing before you sign.

How much of my settlement will I keep?

What is left after the attorney's fee, case costs, and any medical bills paid from the settlement. Your estimate shows a typical take-home range after attorney fees.

How long does a car accident case take?

Cases with an attorney took a median of about 440 days to close in the latest industry study. Simple cases settle faster, and a lawsuit takes longer.

Are there deadlines?

Yes. Every state sets a time limit to file, most between 2 and 3 years, and a few are shorter. The estimate warns you when yours may be close.

The insurance company offered me money. Can I still check?

Yes. Many people check before accepting an offer so they understand what the case may be worth first.

What happens after I submit?

A case advisor may call you to go over your estimate and next steps. The call is free. Your information may also be shared with attorneys in your area, and if one thinks they can help, they may contact you.

How is my information used?

It's used to connect you with attorneys based on your location, as described in our Privacy Policy.

Guides

Learn more before you decide

Plain-English guides on how cases are valued and what to do in the first weeks after a crash.

Case valueHow Car Accident Settlements Are ValuedThe five drivers, the data behind the estimate, and what moves the value. First stepsWhat to Do After a Motor Vehicle AccidentSafety, medical care, information to exchange, and what to save. Record keepingDocuments to Organize After a Car AccidentWhat to keep, how to store it, and what you can skip. The processUnderstanding the Auto Accident Case ProcessHow insurance and injury cases usually move forward.
Free case value estimate

The insurance company already decided what to offer you. Find out what your case is worth first.

8 questions. About 1 minute. Get your estimate and your free Personal Playbook right to your phone. No risk. You only pay once you have settlement money in hand.

See my case value
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