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    Injury Claim Value Explorer

    What affects how much an injury claim is worth? See the common factors, like medical bills and lost pay, in plain language.

    Free · No account needed · Private · About 5 minutes

    Injury Claim Value Explorer illustration

    How it works

    1. 1

      Share the basics

      What happened, the state and about when it happened.

    2. 2

      Describe your injury and costs

      Your care, medical bills, missed work and daily-life impact.

    3. 3

      See your breakdown

      How clear each value factor is, and what may be missing.

    What you get

    • Your costs (economic damages) and life impact (non-economic damages) explained
    • Which parts of your claim look well documented and which have gaps
    • What insurance coverage may matter, like PIP, MedPay and UM/UIM for car crashes
    • Things that can reduce what you keep, like shared fault and medical liens

    What this tool does

    • • Explains the factors insurers and lawyers often look at
    • • Points out documentation gaps you can work on
    • • Works without an account

    What this tool does not do

    • • Does not predict a settlement or give a dollar amount you will get
    • • Does not give legal advice or replace a lawyer
    • • Does not contact an insurance company for you

    What affects how much an injury claim is worth?

    Several things usually shape an injury claim's value. The first is your costs, like medical bills, lost pay and other money you spent because of the injury. These are called economic damages. The second is how the injury affects your life, like pain, sleep, mood and daily activities. These are called non-economic damages.

    Other things can raise or lower what you may end up with. How much insurance is available matters. So does whether you were partly at fault; many states reduce an award by your share of fault. Health insurers, Medicare, Medicaid or workers' compensation may also need to be paid back from a settlement.

    Every case is different, so no tool can tell you what yours is worth. This explorer helps you see which pieces are clear and which need more proof.

    Common questions

    What affects how much an injury claim is worth is mostly your costs, how the injury changed your life, the insurance available and who was at fault. Costs include medical bills and lost pay. Life impact includes pain and limits on daily activities. Good records make each of these easier to show.

    No, this tool cannot tell you what your case is worth. It does not give a dollar prediction. It shows the factors that often shape a claim's value and how clear each one looks for you. Only the facts of your case, the insurance involved and your state's rules decide the outcome.

    Economic and non-economic damages are the two main types of losses in an injury claim. Economic damages are costs with a price, like medical bills, lost wages and travel to care. Non-economic damages are harder to price, like pain, stress and losing parts of your daily life.

    If you were partly at fault for the accident, you may still have a claim in many states. Under comparative negligence rules, an award may be reduced by your share of fault. A few states have stricter rules. Because this varies by state, ask a lawyer licensed where the accident happened.

    PIP, MedPay and UM/UIM are types of car insurance that may help after a crash. PIP and MedPay can pay some medical costs no matter who was at fault. UM/UIM may help if the other driver has no insurance or not enough. Your declarations page shows which ones you have.

    You may have to pay back your health insurance from a settlement. Health plans, Medicare, Medicaid and workers' compensation may have a claim, called a lien, on money you recover for injuries they paid to treat. Medicare, for example, has its own recovery process. Keep a record of who paid for what.

    Waiting until your treatment is done is something many people consider, because it can be hard to know your full costs before then. But filing deadlines keep running in the meantime. Each state sets its own deadline, so check yours early, even while you are still getting care.

    Yes, this injury claim value explorer is free, and you do not need an account. It takes about five minutes. It is an educational tool, not legal advice.

    Keep going

    Free checklist

    Accident Evidence Checklist

    Free checklist

    First 48 Hours After an Accident Checklist

    Guide

    Personal Injury Claims: A Plain-Language Guide

    Words to know

    Last reviewed September 26, 2026. For general information only, not legal or medical advice.

    Sources: CMS: Medicare recovery when you get a settlement · American Bar Association: Find Legal Help · USA.gov: Find a lawyer for affordable legal aid

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