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What Is Your Claim Worth?

The Complete MVA Compensation Guide

Understand every category of compensation you may be entitled to, how insurance companies calculate settlements, and why professional representation typically results in 3.5× higher payouts.

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3.5×More with Representation
$500M+Total Recovered
40–65%Avg. Initial Offer Shortfall
$0Upfront Cost
Compensation Types

Categories of MVA Compensation

You may be entitled to multiple types of compensation. Many victims only know about one or two — missing out on tens of thousands of dollars.

Medical Expenses

All costs related to treating your accident injuries — both past bills and estimated future care needs.

Typical Range$1K – $2M+
  • Emergency room and hospital stays
  • Surgery and specialist consultations
  • Physical therapy and rehabilitation
  • Prescription medications
  • Future medical treatment estimates
  • Mental health counseling

Lost Income

Wages, salary, self-employment income, and other earnings you lost due to your injuries and recovery time.

Typical Range$500 – $500K+
  • Lost wages during recovery
  • Used sick/vacation days
  • Lost business income (self-employed)
  • Reduced earning capacity (long-term)
  • Lost promotions or career opportunities

Pain & Suffering

Non-economic damages for the physical pain, mental anguish, and reduced quality of life caused by the accident.

Typical Range1× – 5× medicals
  • Physical pain from injuries
  • Emotional distress and anxiety
  • PTSD from the accident trauma
  • Sleep disruption and nightmares
  • Fear of driving post-accident
  • Depression and loss of enjoyment

Property Damage

Compensation for your damaged or destroyed vehicle and any personal property damaged in the accident.

Typical Range$500 – $100K+
  • Vehicle repair or replacement value
  • Rental car during repairs
  • Diminished vehicle value
  • Personal items damaged in crash
  • Electronics, clothing, equipment

Loss of Consortium

Compensation for the impact your injuries have had on your relationships with your spouse or family.

Typical Range$25K – $250K
  • Loss of companionship with spouse
  • Inability to participate in family life
  • Impact on marital relationship
  • Parental relationship disruption

Punitive Damages

Additional damages awarded to punish extremely reckless behavior and deter future wrongdoing.

Available WhenEgregious Cases
  • Drunk / impaired driving accidents
  • Extreme speeding or road rage
  • Truck driver hours-of-service violations
  • Deliberate disregard for safety
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Settlement Value Calculator

Get a rough estimate of your claim's potential value. This is for educational purposes only — your actual value may be significantly higher.

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Estimated Settlement Range

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Pain & suffering calculated using the multiplier method

⚠ This is a rough estimate for educational purposes only. Actual settlement values depend on many factors including state law, evidence quality, insurance coverage limits, and negotiation. Get a free professional review for an accurate assessment.
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The Multiplier Method

How Pain & Suffering is Calculated

Insurance companies use a "multiplier" applied to your economic damages to calculate pain & suffering. The multiplier depends on injury severity.

1×–1.5×Minor
Soft tissue injuries, bruising, minor whiplash. Full recovery expected.
1.5×–3×Moderate
Fractures, significant whiplash, minor surgeries. Temporary disability.
3×–5×Serious
Major surgeries, herniated discs, TBI. Extended recovery period.
5×–8×Severe
Permanent disability, amputations, severe TBI. Life-altering injuries.
8×–12×Catastrophic
Paraplegia, quadriplegia, permanent brain damage, wrongful death.
State-by-State Guide

Key State Law Differences Affecting Your Claim

The state where your accident occurred significantly impacts your rights and potential compensation. Here are key factors for major states.

StateStatute of LimitationsFault SystemNo-Fault State?Min. Liability Coverage
California2 yearsPure Comparative NegligenceNo$15K/$30K/$5K
Texas2 yearsModified Comparative (51% bar)No$30K/$60K/$25K
Florida4 yearsPure Comparative NegligenceYes$10K PIP / $10K PDL
New York3 yearsPure Comparative NegligenceYes$25K/$50K/$10K
Illinois2 yearsModified Comparative (51% bar)No$25K/$50K/$20K
Pennsylvania2 yearsModified Comparative (51% bar)Yes (Choice)$15K/$30K/$5K
Ohio2 yearsModified Comparative (51% bar)No$25K/$50K/$25K
Georgia2 yearsModified Comparative (50% bar)No$25K/$50K/$25K
Michigan3 yearsModified Comparative (51% bar)Yes$50K PIP (min)
Virginia2 yearsContributory NegligenceNo$30K/$60K/$20K

Coverage amounts shown as Bodily Injury per person / per accident / Property Damage. Laws change — our specialists verify current state laws for your case.

Find Out Your State's Impact on Your Claim
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Know What Your Claim Is Truly Worth

Our specialists account for every category of compensation. The average victim leaves 40–65% on the table by accepting the first offer.

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