Know what your claim is worth. Before you sign anything.
Insurance adjusters use proprietary software to calculate your claim value from day one — and their first offer is calibrated to be well below it. We built free tools using the same public data so you know your number before you negotiate.
Understand Your Claim Before You Sign Anything
Six tools built on publicly available US case data. No login. No ads inside the tools. Nothing stored on our end.
What the data actually shows
These numbers come from government crash databases and the insurance industry’s own published research — not opinion, not estimates.
Primary sources: NHTSA 2024 Final Crash Data · Insurance Research Council · ConsumerShield April 2026 · Lawyers.com 2023 Survey · Insurance Information Institute
Police-reported crashes in the US (2023)
One crash every 5 seconds on US roads. 2.44 million people were injured — a 2.5% increase from 2022.
NHTSA Crash Reporting Sampling System, 2023Higher average payout with legal representation
The Insurance Research Council’s own data: represented victims average 3.5× more. 85% of all bodily injury payouts went to people with an attorney.
Insurance Research Council, “Attorney Involvement in Auto Injury Claims”Of represented victims received a payout
Compared to only 51% of unrepresented claimants. Even after attorney fees, represented claimants kept roughly 3× more on average.
Lawyers.com Survey, updated 2023Of claims settle without going to trial
Most car accident cases never see a courtroom. Knowing your number before you negotiate is the entire game.
Insurance Information InstituteWhat does a car accident claim actually pay?
Honest benchmarks by injury type — based on national case data. Not guarantees. Not predictions.
| Injury Type | Typical Settlement Range | Key Variables |
|---|---|---|
| Minor soft tissue (whiplash, sprains) | $3,000 – $15,000 | Medical bills, treatment duration |
| Moderate injury (fractures, herniated disc) | $15,000 – $75,000 | Surgery required, lost wages, recovery time |
| Serious injury (multiple fractures, head trauma) | $75,000 – $300,000 | Long-term care, permanent impairment |
| Catastrophic (TBI, spinal cord, paralysis) | $300,000 – $2M+ | Lifetime medical costs, loss of earning capacity |
| Drunk driver involved (any injury type) | Often 2–4× higher | Punitive damages possible in most states |
These are ranges, not predictions. Your actual outcome depends on your state’s comparative fault rules, the insurance policy limits in play, quality of medical documentation, and whether you have an attorney. Over 51% of unrepresented claimants recover under $10,000 — regardless of injury severity. If your case involves disputed fault, significant injury, or an uninsured driver, a free attorney consultation costs nothing.
Sources: Insurance Information Institute · ConsumerShield April 2026 · Insurance Research Council
How we research this content — and who we are
AccidentClaimInfo.com is run by a small editorial team of legal researchers and content writers. We are not attorneys, not a law firm, and not a referral service. Here’s exactly how we work.
Plain-English guides for accident victims
No jargon. No sales pitch. Just what you actually need to know, with sources.
Hit by a Drunk Driver? Why These Claims Settle for 2–4× More
Most states allow punitive damages when a drunk driver causes injury. We explain exactly what that means for your settlement, what to document, and why these cases need a specialist.
Truck Accident Claims: Why They’re Different (and Worth More)
Federal trucking regulations, multiple liable parties, and commercial insurance policies make truck cases significantly more complex — and typically higher value.
Injured in a Lyft or Uber? Here’s Whose Insurance Actually Pays
Uber and Lyft carry $1M liability policies — but they only activate under specific conditions. Most passengers don’t know when they apply.
Questions we get most often
Honest answers — with sources, not opinions. Always verify with a licensed attorney for your specific situation.
The adjuster already knows your number. Do you?
Insurance adjusters calculate your claim value from day one using proprietary software — and their first offer is calibrated to be well below it. Our free tools use the same publicly available data to give you a real benchmark before you sign anything.