Professional-grade liability valuation for Tort Damages. Analyze settlement trajectories using 50-state case law data and forensic multipliers.
Median Settlement
$42,500
2026 NSC Data
Policy Limit Cap
3.5x Multiplier
Representation Gap
Liability Cutoff
51% Rule
Modified Comparative
DUI Delta
+150%
Punitive Factor
A car accident settlement is not a random number. It is a calculated response to **Tort Liability** and **Economic Indemnity**. In 2026, insurance algorithms prioritize hard-coded special damages as the anchor for all non-economic payouts.
Our auditor distinguishes between 'Soft Special' (minimal intervention) and 'Hard Special' (surgical/clinical) damages to accurately mimic insurance adjuster behavior. If you lack medical bill anchors, your pain and suffering estimate is statistically likely to be rejected.
How your recovery is reduced by your fault percentage (0% to 100%).
The standard 1.5x - 5.0x logic applied to clinical recovery stages.
The cap on available funds based on the at-fault driver's insurance.
"The Insurance Research Council (IRC) reports that represented claimants receive 3.5x higher net settlements than those handling claims pro se."
*Based on Insurance Research Council (IRC) Industry Benchmarks.
Every jurisdiction applies its own 'Liability Filter.' In Modified Comparative states, crossing the 51% threshold means **ZERO** recovery.
Recover even if you are 99% at fault. Your award is simply reduced by that 99%.
Barred from recovery if your fault is 50% or 51% (varies by state).
Advanced Forensic Simulation
Analysis of DUI, Distracted Driving (Cell phone logs), and Gross Negligence. These factors trigger punitive multipliers.
Event Data Recorder (EDR) 'Black Box' analysis. Speed, braking, and steering data are the ultimate liability anchors.
Venue-specific multipliers. Adjusting for 'Nuclear Counties' vs conservative insurance-friendly zip codes.
Insurance carriers now primarily use AI-driven medical coding audits. They look for 'ICD-10 Consistency'. Pain and suffering is then calculated as a multiple (1.5x up to 5x) of your documented 'Special Damages' (medical bills + lost wages).
Attorneys understand how to document 'Future Earning Capacity' and 'Latent Injuries' (like disc herniations that worsen over time). Pro se claimants often settle for the first offer, missing out on over 70% of the case's true delta value.
In most states (e.g., California/Texas), you have 2 years to file. If you miss this window, your result is legally $0. However, 'Statutes of Repose' may provide exceptions for defective vehicle components regardless of the accident date.
Yes. Even if your damages are $1M, if the at-fault driver has a $25k limit and no personal assets, $25k is the effective cap. This is why 'Uninsured/Underinsured' coverage on your own policy is critical.
Yes. Tier 0 (Soft Tissue) accidents are the most common. Our auditor handles these by applying a lower multiplier (1.2x - 1.5x) and accounting for property damage value stabilization.
Access the 2026 S-Class Actuarial Matrix. Calculate your settlement trajectory without sharing personal identification.
Launch Auditor