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Find out what
your case is
actually worth.

Insurance companies make lowball offers every day — counting on you not knowing the real number. This calculator runs the math they don't want you to see: medical bills, lost wages, pain multipliers, future treatment costs, and more.

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3–8x
More than first offer
22¢
Avg without attorney
$0
To use this tool
Settlement Estimator
Answer 4 quick questions. Get your real number.
Injury
Medical
Impact
Offer
Estimated case value range
—
This is an estimate.
Get the real number — a licensed attorney reviews your specific case, free, in 15 minutes. No pressure. No fees unless you win.
Call 844-TXT-PLUG — free review Learn more at DontSignShit.com →
Estimates are based on general PI case data and your inputs. This is not legal advice. Results vary based on case specifics, jurisdiction, and legal representation. Past results do not guarantee future outcomes.
How the calculator works

The math insurers
don't show you.

Your case value isn't just your medical bills. It's a formula with five variables — and most people never see four of them.

01
You enter your numbers
Medical bills, lost wages, injury type, treatment status, and their offer. Four questions, two minutes.
02
We apply the multiplier formula
PI attorneys use a multiplier (1.5–5×) on medical costs for pain & suffering. Severity, liability, and ongoing treatment all shift the range.
03
We add what they left out
Future medical, lost earning capacity, and pain & suffering are routinely excluded from first offers. We add them back in.
04
You see the gap
If there's an offer on the table, you'll see exactly how far short they fell — as a percentage of estimated real value.
Settlement components

Every number
they're ignoring.

A full settlement is built from multiple damage categories. Most first offers only address one or two.

🏥
Past Medical Bills
Everything billed by hospitals, doctors, specialists, physical therapists, and chiropractors from the date of injury to today. This is the floor — not the ceiling.
Always included
🔬
Future Medical Costs
Surgeries you haven't had yet. PT you'll need for years. Follow-up care for chronic injuries. First offers almost never account for this — because they're betting you'll sign before you find out.
Often excluded
💼
Lost Wages
Every day you couldn't work. Every shift you missed. Every project you lost. Documented lost income is a hard number — and adjusters often lowball or flat-out ignore it.
Frequently undervalued
📈
Lost Earning Capacity
If your injury affects your ability to earn at the same rate long-term, that future loss has real value today. This is one of the most underclaimed categories in PI.
Rarely claimed
⚖️
Pain & Suffering
Calculated using a multiplier (1.5× to 5×) applied to your medical costs, based on severity and impact. This is where the real money lives — and where insurers fight hardest.
The biggest lever
🧠
Emotional Distress
PTSD, anxiety, depression, and psychological injury from accidents are compensable in both Texas and California. Most victims never know to claim it.
Widely overlooked
Know the playbook

How they keep
the number low.

Insurance adjusters aren't evil — they're just doing their job, which is closing your claim as cheaply as possible. Here's every tool in their toolkit.

01
The Early Offer
A fast offer right after the accident — before you know your full diagnosis, before you've treated, before you know what this injury will actually cost. Designed to close the claim before you have the full picture.
Most common
02
The 72-Hour Expiration
"This offer expires Friday." It doesn't. They want urgency before you find representation. The threat has no legal teeth — but most people don't know that.
Pure pressure
03
The Recorded Statement Trap
They ask to "take a quick statement" before you've talked to anyone. Every word is used against you. You are not required to give one. Don't.
Dangerous
04
Treatment Gap Exploitation
Missed an appointment? Waited a week before going to the doctor? They'll argue your injuries "aren't that serious" — even though life happens and injuries aren't always immediately obvious.
Know your rights
05
The Final Release Buried Clause
Paragraph 11, 8-point font: you waive all future claims for any condition related to this incident. If your shoulder needs surgery next year? You get nothing. This is the most dangerous trap in PI.
Read every word
Real results

The gap between
offer and reality.

These are the numbers that change when someone uses this calculator — and then makes a call before signing.

$6,200
→
$61,500
"State Farm said it was fair. The calculator said otherwise. I called before I signed. Best decision I ever made."
Maria T. · Dallas, TX
Motor vehicle accident
$11,000
→
$94,000
"The adjuster said the offer expired in 3 days. I ran the calculator. I didn't sign. Six months later — life changed."
James R. · Fort Worth, TX
Rear-end collision
$18,000
→
$128,000
"I almost signed a release that waived all future medical claims. The calculator flagged that I hadn't accounted for future surgery. I had surgery 8 months later."
Sandra M. · Los Angeles, CA
Slip and fall
Before you sign anything

Know your
real number.

The calculator gives you the estimate. A licensed attorney gives you the real number — for free, in 15 minutes, with zero obligation.

Call 844-TXT-PLUG — free Don't Sign Shit →
Free consultation · No fees unless we win · TX & CA · Avi Cohen, Esq. · Juda Rafael, Esq.
Call or text
844-TXT-PLUG
Email
info@theinjuryplug.com
Texas
Avi Cohen, Esq.
California
Juda Rafael, Esq.