Independent personal injury law research — built to close the information gap between injured people and insurance adjusters.
State law pages cite the actual statute — the official legislature text, not a summary of a summary. Case citations are verified against the published opinion.
Every state plus the District of Columbia, covering statutes of limitation, negligence standards, damage caps, and auto insurance rules.
This site explains the legal framework. It does not predict outcomes, and it is not a substitute for an attorney who knows your specific facts.
Personal injury claims involve some of the highest-stakes financial negotiations most people ever face — against insurance companies with professional adjusters, legal teams, and decades of settlement data. Most injured people don't have access to any of that. They accept whatever is offered because they don't know what a fair settlement looks like, what their state's statute of limitations is, or that a comparative fault finding could eliminate their recovery entirely.
PersonalInjuryCalc.com was built to close that information gap: explaining how damages are calculated, what legal rules govern claims in each state, and what factors courts and insurers actually weigh when valuing a case. The calculator and state law guides on this site give injured people a fact-based starting point before they accept anything or sign a release.
State law pages cite actual statutes — the official legislature text, not a summary of a summary. Each state guide covers the four factors that most directly affect what a case is worth and whether it can be filed: the statute of limitations, the negligence standard (contributory, comparative, modified), damage caps, and the auto insurance fault system. These are verified against published case law where courts have modified what the statute says on paper, and updated when state legislatures change the rules.
Settlement value frameworks draw on published verdict and settlement data from jury verdict research organizations, insurance industry loss reserve data, and academic research on damages calculation methodology. Medical cost estimates reference Medicare fee schedules and published hospital billing data. Sources are cited throughout the site, and we are upfront when a figure is an estimate versus a confirmed number.
Nothing on this site constitutes legal advice — case value depends heavily on jurisdiction, specific facts, evidence quality, and legal representation. For more detail on editorial standards, see our Editorial Policy.
The core content is state-by-state personal injury law guides — one page per state, covering the statute of limitations, negligence standard, damage caps, and auto insurance fault system. Beyond the state guides, the site publishes data on average settlement values by injury type, explanations of how pain and suffering calculations work, and practical guides to the claims process. The calculator on the homepage builds an estimate based on injury type and severity factors from published industry data.
This site doesn't provide legal advice, predict the outcome of any specific claim, or guarantee that any particular settlement range applies to your situation. Personal injury outcomes depend on jurisdiction, specific facts, evidence quality, insurance policy limits, and negotiation — none of which a website can fully account for. Use the information here to understand the framework. Then talk to an attorney about your actual case.
PersonalInjuryCalc.com is a commercial site. The site runs Google AdSense display ads — programmatic ads served by Google based on page content and visitor data. We also operate attorney referral lead-generation forms; when visitors submit contact information, that information may be shared with personal injury attorneys or attorney referral services, and we earn revenue from that referral activity. Submitting information does not create an attorney-client relationship and you are under no obligation to retain anyone who contacts you. Neither revenue stream influences editorial content. Full disclosure is on the Editorial Policy page.