When evaluating a bodily injury claim resulting from an accident, settlement negotiations balance concrete economic losses against non-economic general damages for pain and suffering. Insurance adjusters and personal injury attorneys frequently utilize the Multiplier Method to establish initial demand baselines before accounting for attorney contingency fees and comparative fault adjustments.

### Tool Implementation and Calculation Mechanics The calculator evaluates settlement ranges using the exact formula logic implemented in the tool:

- **Special Damages (Economic):** Sum of Medical Bills + Lost Wages. - **General Damages (Non-Economic):** Special Damages * Pain Multiplier (1.5x Minor, 2.0x Moderate, 3.0x Serious, 4.0x Severe, 5.0x Catastrophic). - **Gross Settlement:** (Special Damages + General Damages) * (Other Party Fault % / 100). - **Attorney Contingency Fees:** Gross Settlement * 0.333 (standard 33.3% pre-litigation rate). - **Net Compensation to Claimant:** Gross Settlement - Attorney Fees - Medical Bills (accounting for outstanding provider liens).

### Worked Numeric Example Using the tool default settings for a motor vehicle collision with serious soft-tissue and orthopedic injuries:

- **Medical Bills:** $15,000 - **Lost Wages:** $5,000 - **Total Special Damages:** $15,000 + $5,000 = **$20,000** - **Pain Multiplier (Serious):** 3.0x - **General Damages:** $20,000 * 3.0 = **$60,000** - **Other Party Fault:** 100% (1.0) - **Gross Settlement Value:** ($20,000 + $60,000) * 1.0 = **$80,000** - **Attorney Fee (33.3%):** $80,000 * 0.333 = **$26,640** - **Medical Lien Repayment:** $15,000 - **Net Estimated Cash to Claimant:** $80,000 - $26,640 - $15,000 = **$38,360**

### Negotiation Reality and Privacy Note Actual settlement recoveries are bounded by defendant bodily injury insurance policy limits, comparative negligence determinations, and medical subrogation reductions. All calculations run locally in your web browser runtime with zero server data collection or tracking.