What is your injury claim actually worth?
TortWise runs the same multiplier arithmetic an adjuster starts from, so you can put an illustrative range against an injury claim before you ever talk to anyone. A range, never a promise, and never legal advice.
- 01How Much Is a Car Accident Settlement Worth?This explainer answers what a car accident settlement is worth: the two halves of value, a severity multiplier, fault discounts, liens, and the net you keep.32 min read →
- 02What Is a Personal Injury Claim Worth?What is a personal injury claim worth? This explainer shows how settlement amounts are valued: economic damages you can document plus pain and suffering.28 min read →
- 03How to Calculate Pain and Suffering: 2 MethodsCalculating pain and suffering means running the multiplier or per-diem method. This explainer shows how to work the figure out and defend the range you set.35 min read →
- 04How to Negotiate an Injury Settlement (7 Steps)This explainer walks you through negotiating an injury settlement step by step, from demand letter to counteroffer, so you avoid taking the first low number.30 min read →
- 05How to Write a Demand Letter (7 Steps + Template)This explainer walks you through writing an injury demand letter step by step, with a full template and a worked example, so you avoid writing it too early.35 min read →
- 06How to Deal With an Insurance Adjuster (9 Rules)How to deal with an insurance adjuster: what the adjuster is measuring, how recorded statements and first offers work, and nine rules for the whole claim.53 min read →
- 07Should You Accept the First Settlement Offer?This explainer decodes the first settlement offer: why insurers open low, the tells of a lowball, when accepting makes sense, and how a counter moves it.29 min read →
Economic damages
Medical bills, lost wages, and out-of-pocket costs, documented to the dollar.
Non-economic damages
Pain, suffering, and the loss of enjoyment of daily life.
Liability & fault
Who is at fault, and the degree of shared responsibility that shifts value.
Insurance factors
Policy limits, coverage types, and how the insurer negotiates claims.
Jurisdiction
Local courts, verdict trends, and state law all move the range.
Is a Personal Injury Settlement Taxable?
This explainer answers is a personal injury settlement taxable: physical injury proceeds are usually excluded, but interest or punitive damages may not be.
Read the explainer →
Total Loss Car Claim: How the Payout Is Decided
This explainer breaks down how an insurer decides a car is a total loss, how actual cash value gets built, what salvage retention costs, and where gap fits.
Hit a Deer? Who Pays for Damage and Injuries
This explainer covers who pays after you hit a deer: why comprehensive rather than collision usually answers it, and what injuries do with no at-fault driver.
How to Get a Police Report After a Car Accident
This explainer covers how to get a police report after a car accident: who holds it, how to request a copy, the typical wait, and how to fix an error on it.
Medical Liens: Who Gets Paid From Your Settlement
This explainer covers how medical liens attach to an injury settlement, who is repaid in what order, and how a reduction request is argued at disbursement.
How Much Is a Workers Comp Settlement Worth?
This explainer breaks down how much a workers comp settlement is worth: impairment ratings, scheduled awards, and why no pain-and-suffering line exists.
Medical Malpractice Basics: How Claims Work
This explainer covers medical malpractice basics: the standard of care, why a bad outcome is not a breach, who can be sued, and what the records decide.
Product Liability Claims: How They Work
This explainer covers product liability claims: the three defect theories, who along the chain can be sued, what evidence decides them, and why they run long.
What Is a Release of Liability?
This explainer covers releases of liability: the pre-injury waiver, the post-injury settlement release, the clauses that matter, and why timing decides most.
Frequently asked questions
What people ask before they trust a number.
How accurate is the settlement calculator?
It produces an illustrative range using the multiplier method adjusters start from. Every claim is fact-specific, so treat it as a starting point, not a promise.
What does the calculator include?
Medical expenses and lost wages form the injury base the severity multiplier acts on. Vehicle and property damage is added to the economic total but is not multiplied. The severity presets stay inside the 1.5 to 5 illustrative band and stop at 5.
Is my information kept private?
Yes. The estimator runs entirely in your browser. We never require an email address or send your inputs to anyone.
Do I need a lawyer to use TortWise?
No. TortWise is an educational resource you can use on your own. It is not a substitute for advice on your own facts, and for a serious or disputed injury you should consult a licensed attorney in your state.
Who writes and edits TortWise?
Hamza Hai, MBA, edits the site. She is not an attorney and nothing here is reviewed by one. Our editorial process page explains what she checks and what we will not claim.
How is TortWise different from a law firm?
We are not a law firm and we do not represent clients. We explain how claims are valued so you can make informed decisions.
Can I use it if a professional already helped?
Yes. One reasonable use is to sanity-check an offer you have already received against the arithmetic behind it, then take any gap back to whoever is advising you.
We decode how claims are valued
TortWise explainers are written by our editorial team from publicly available material: the valuation conventions insurers and attorneys describe openly, published guidance from state regulators and courts, and the policy documents readers hold. They are general information, not legal advice, and never a substitute for a licensed attorney.
Who edits this. Hamza Hai, MBA, edits TortWise. She checks that every figure is labelled for what it is, that nothing is presented as verified fact without a source you can check, and that the writing stays useful to a non-specialist. She is not an attorney, and we do not claim legal review. Read the editorial process →
More about our editorial approach →- How we researchExplainers are written in plain English by our editorial team from publicly available material: the valuation conventions insurers and attorneys openly describe, published consumer guidance from state insurance departments and courts, and the policy and claim documents readers hold themselves. We do not hold proprietary insurer files or a verdict database, and we say so rather than implying access we do not have. This is general information, not legal advice; every claim is fact-specific, so consult a licensed attorney in your state.
- How we make moneyAt the time of writing this site carries no affiliate links and no advertising. No link earns a commission and no company pays for coverage. If that ever changes, the disclosure page will say so first and any paid link will be marked where it appears.
Get a claim-value breakdown by email
Tell us a little about what happened and we will email you a plain-English breakdown of how claims like yours get valued and what usually moves the number. We are not a law firm, we are not attorneys, we do not review cases, and we will not pass your details to anyone.