How this works
Three steps, no phone number required
Most people arrive here after an insurance adjuster has already named a figure. The point of this page is simple: give you an independent second number, and the reasoning behind it, before you answer.
Gather what you can document
Medical bills and expected future care, wages you actually lost, repair or total-loss figures, and the out-of-pocket costs people usually forget — travel to appointments, braces and devices, paid help at home.
Run the estimator
It applies the multiplier method adjusters commonly use to non-economic damages, then adjusts for your state’s comparative-fault rule and the policy limit that actually caps most claims.
Take the range to a licensed attorney
The output is a discussion range, never a valuation. Bring it to a lawyer licensed in your state — most personal-injury consultations are free and fees are contingent — and let them price the parts a calculator cannot see.
By situation
Guides for your situation
Fault rules, insurance layers and typical evidence differ sharply between these. Start with the one that matches your facts.
The Car Crash Claim Process Explained
Each stage from police report to settlement check.
Car Crash Settlement Timeline
Realistic timeframes and what causes delays.
What to Do After a Car Crash
Scene actions and early decisions that shape your claim.
Car Crash Insurance Tactics to Watch For
How adjusters reduce payouts and how to respond.
By state
State rules that change what a claim is worth
Comparative fault, filing deadlines, damage caps, minimum liability limits and no-fault requirements are all set state by state. Pick yours.
Fault rules in all 50 states + DC
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
CarCrashAttorney.us is an informational website, not a law firm. It is operated by Mustafa Bilgic, an individual who is not a licensed attorney. Nothing here is legal advice, nothing creates an attorney–client relationship, and no calculator output is a valuation or an offer.
We do not take cases, review documents, contact insurers or refer you to a particular lawyer. Deadlines and fault rules vary by state and a missed deadline can end a valid claim permanently — consult a licensed attorney in your state before you accept, reject or file anything. Your state bar’s referral service and the American Bar Association’s Find Legal Help directory are independent starting points.
Questions
Questions people ask before they answer the adjuster
How much does a car crash attorney cost?
Most car crash attorneys work on a contingency fee basis, meaning they collect a percentage of your settlement or verdict rather than billing you upfront. If you recover nothing, you typically owe no attorney fee. The percentage varies, so ask about it during your initial consultation.
Can I switch attorneys after hiring one?
Yes. You have the right to change attorneys at any time, though you may owe the original lawyer for work already performed. Review your fee agreement for any terms about early termination before making the switch.
What is the statute of limitations for a car crash claim?
Filing deadlines vary by state and commonly fall in the range of two to three years, but your state's specific deadline controls. Claims against government entities often have far shorter notice windows. Check immediately rather than assuming you have time.
Should I accept the insurance company's first offer?
First offers are typically well below the full value of a claim. Insurers expect negotiation. Before accepting, compare the offer against your total medical costs, lost income, and the impact the crash had on your daily life.
What happens if the other driver has no insurance?
Your own uninsured motorist coverage, if you carry it, steps in to cover your losses. Some states require this coverage. If you lack it, you may need to pursue a personal lawsuit against the driver, though collecting on a judgment can be difficult.
- Sources used across this site: state comparative-fault statutes · Insurance Information Institute · Bureau of Labor Statistics · IRS Pub. 4345 · NHTSA
- Last reviewed 2026-08-25.