See What Goes Into Your Injury Claim
Enter your medical bills, lost pay and the kind of injury you have. The calculator adds up the losses you enter and explains how pain and suffering, shared fault, insurance limits and filing deadlines affect a claim under California law.
It does not tell you what your case is worth. No online tool can do that, and no attorney can promise a result.
Before You Start
- Have your medical bills, pay stubs and repair estimates nearby.
- Use 0 for anything that does not apply.
- It takes about three minutes.
- Nothing is sent to us unless you choose to submit your answers at the end.
What This Tool Does Not Do
It does not put a value on pain and suffering, predict a settlement or verdict, or replace advice from an attorney who has reviewed your records.
What Goes Into an Injury Claim's Value in California
Under California law, a claim’s value is built from up to three kinds of damages. Most injury claims involve only the first two.
Economic damages
Losses that can be added up from records: past and future medical care, lost wages, lost earning capacity, property damage and out-of-pocket costs such as rides to appointments or help at home.
Non-economic damages
Pain, suffering, emotional distress, inconvenience, disfigurement, physical impairment and loss of enjoyment of life. California jurors are told there is no fixed standard for these and decide a reasonable amount from the evidence (CACI No. 3905A).
Punitive damages
Rare in injury cases. They require clear and convincing evidence of malice, oppression or fraud (Civil Code § 3294) and are meant to punish, not to compensate.
When a loved one has died, the family brings a wrongful death claim, which follows different rules than this calculator covers.
California Rules That Can Change a Claim's Value
Shared fault
California follows pure comparative fault. If you were partly responsible, your damages are reduced by your percentage of fault, even if it is above 50% (Li v. Yellow Cab Co., 1975). Insurers often argue shared fault in a car accident claim to lower what they pay.
Paid vs. billed medical bills
In Howell v. Hamilton Meats (2011), the California Supreme Court held that past medical damages are limited to what was actually paid or owed, not the full amount billed. For insured treatment, the paid amount can be a fraction of the bill. Treatment on a lien follows different rules (Pebley v. Santa Clara Organics, 2018).
Uninsured drivers (Proposition 213)
A driver or vehicle owner who was uninsured at the time of the crash usually cannot recover non-economic damages such as pain and suffering (Civil Code § 3333.4). Economic losses remain recoverable, and the rule does not apply when the other driver is convicted of DUI for the crash.
Insurance policy limits
Since January 1, 2025, California’s minimum auto liability coverage is $30,000 per person and $60,000 per accident. A claim can be worth more than the available policy, so every source of coverage matters: the at-fault driver’s policy, an employer’s commercial policy after a truck crash, Uber or Lyft’s policy after a rideshare crash, and your own uninsured/underinsured motorist coverage.
More than one at-fault party (Proposition 51)
When several defendants share fault, each pays non-economic damages only in proportion to its own share (Civil Code § 1431.2). Economic damages can be collected in full from any of them.
Filing deadlines
Most injury lawsuits must be filed within two years (Code of Civil Procedure § 335.1). Claims against a city, county or state agency usually must be presented within six months (Government Code § 911.2). Deadlines for minors and medical malpractice claims follow other rules.
Why This Calculator Does Not Show a Settlement Number
Many online calculators multiply medical bills by a number between 1.5 and 5 to produce a settlement figure. Insurers use their own claims software and formulas, but no multiplier is written into California law, and jurors decide non-economic damages without one.
Two people with the same bills can see very different outcomes because of the evidence of fault, the insurance available, how consistent their treatment was and how the injury changed their daily life. A number built only on bills can set expectations too high or too low, so this tool shows the parts of a claim instead.
An attorney can give a more grounded view after reviewing the police or incident report, your medical records and the insurance policies involved. Even then, no outcome can be promised.
Injury Claim Value FAQ
How is pain and suffering calculated in California?
There is no set formula. Jurors are told to use their judgment and common sense to decide a reasonable amount based on the evidence (CACI No. 3905A). The medical treatment, length of recovery, lasting effects and how the injury changed daily life all matter.
Do insurance companies use a multiplier?
Some adjusters and claims software weigh medical costs, injury type and treatment length, which is where the multiplier idea comes from. It is not a legal rule, and insurers do not share their formulas.
Can I still recover if I was partly at fault?
Yes. Under California’s pure comparative fault rule, your damages are reduced by your share of fault, even if you were mostly at fault.
Will I recover my full medical bills?
Not always. For insured treatment, past medical damages are usually limited to the amount actually paid (Howell v. Hamilton Meats, 2011). Health plans, Medi-Cal and Medicare may also have repayment rights from a recovery.
How long do I have to file an injury claim in California?
Usually two years from the injury to file a lawsuit (Code of Civil Procedure § 335.1), and six months to present a claim against a government agency (Government Code § 911.2). Exceptions exist, so check early.
Is the information I enter saved?
No. The calculator runs on this page, and nothing is sent to Crown & Stone Law, P.C. unless you choose to submit your answers in the optional form at the end.
Does using the calculator make Crown & Stone Law my attorney?
No. Using the calculator or sending the form does not create an attorney-client relationship. That only happens through a signed agreement with the firm.
