How this hub works
Each calculator above covers every state where that law applies, independently, with its own cited statute, worked examples, and a downloadable PDF report. Where a state sets a fixed rule — a filing deadline, a fault-bar percentage, a damage cap — we show it, with the exact code section. Where the law instead depends on case-specific facts, we explain what courts and adjusters actually weigh and give a defensible estimate based on it. See our methodology for exactly how every figure on this site gets verified before publication.
What's in this cluster
A personal injury claim is rarely one question — it's a handful of related ones, usually asked in a specific order. This cluster is built around that order rather than as a single, generic "injury calculator":
- Statute of Limitations — the first question that actually matters: can you still file at all, given this state's deadline?
- Comparative/Contributory Negligence — how your own share of fault changes, or even eliminates, what you can recover in this state.
- Settlement Value — what the claim is realistically worth once the state's own rules are applied to it.
- Attorney Contingency Fee / Net Settlement — what you actually keep after the attorney's fee and case costs come out.
- Pain & Suffering — the multiplier method, and the states that cap non-economic damages outright.
- Wrongful Death Damages — for a death caused by someone else's negligence: who can file, and what caps apply.
- UM/UIM Stacking — whether this state lets you combine uninsured/underinsured coverage across multiple vehicles.
- Medical Lien / Subrogation — what Medicare, Medicaid, and private health insurers can claim back from the settlement.
- Minor's Settlement Court Approval — why a judge has to sign off when the claimant is a minor, and what that changes.
- Dog Bite Liability — strict liability versus the one-bite rule, and which one this state actually follows.
- No-Fault / PIP Threshold — for the 12 states where you claim against your own insurer first, and can only sue past a threshold.
Every calculator links back to this hub and to its closest sibling calculators, so a quick estimate on one question leads naturally to the next question it usually raises.
Why state matters more than most people expect
Two states can look at the exact same accident and reach very different numbers. A driver who's 20% at fault keeps most of their claim in a pure comparative state, loses it entirely past a 50% or 51% threshold in most other states, and can be barred completely by just 1% of fault in the five contributory-negligence jurisdictions. A filing deadline that's six years in one state is one year in another. A handful of states cap pain and suffering outright; most don't cap it at all. A single national calculator averages all of that away. This hub instead builds one calculator per question, with a dedicated, separately verified page for every state.