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Typical Car Accident Settlement Amounts

Every day, people across Illinois suffer injuries in major and minor car accidents. The unexpected incident drastically changed their lives, often leaving them to deal with serious injuries and mounting medical expenses.

While a car insurance company may cover medical costs, lost wages, and property damages, victims of car accidents suffer from additional burdens following a collision. In addition to physical pain and lifestyle changes, financial problems are frequently at the top of the list of the life-altering impact of auto accidents.

Many car accident victims and their families want to know how much compensation to expect from a car accident settlement. The answer, however, is more complex than it appears.


The best way to receive reliable and relevant information for a particular car accident injury settlement is to consult with an experienced car accident attorney. A consultation with a personal injury attorney at Rosenfeld Injury Lawyers, LLC is always free. Our law firm provides advice on the best legal action that fits a client’s specific situation.

Schedule a free consultation through this contact form or call at (888) 424-5757 (toll-free phone call). All confidential or sensitive information you share with our law firm remains private through an attorney-client relationship.


Factors That Affect Settlement Amounts for a Car Accident

Our experienced car accident attorneys have settled hundreds of car accident cases throughout the state. Here are factors that impact the value of typical car accident settlement amounts:

The Severity of the Injury

The seriousness of the injuries sustained from the auto accident is one of the major factors that affect the amount of a car accident settlement. The challenging part in determining the car accident claim rest on how to put a value on the victim’s pain and suffering.

Typically, insurance adjusters use a personal injury settlement formula and combine it with other factors to estimate a fair compensation for a car accident claim.

The Medical Bills and Medical Treatment Received

The type of medical treatment plays a vital role in how an insurance company computes a typical car accident settlement.

In computing car accident settlements, insurance adjusters view medical services differently. Presenting the right medical expenses, such as a CT scan for a head injury, will likely result in higher car accident settlements.

Lost Wages

A typical car accident settlement amount include lost wages to compensate victims for the money they would have earned had it not been for the accident. The insurance company may require victims of car accidents to submit documents proving that their bodily injuries prevented them from working.

Future Medical Treatment and Surgery

The amount of future medical expenses arising from a typical car accident depends mainly on the severity and type of bodily injury. The future medical costs may include diagnostic tests, surgeries, physical therapy costs, and nursing services.

Lost Earning Capacity

Having to suffer serious injury, pay for medical expenses, and not be able to work for a living is a difficult situation for anyone.

A car accident victim may recover damages for lost earning capacity as part of the typical car accident settlement amount. However, while calculating lost wages is pretty straightforward, determining the settlement for lost earning capacity is complex.

Calculating a car accident victim’s lost earning capacity requires looking into the victim’s age, life expectancy, and future career.

If you are a car accident victim and looking to maximize your accident settlement, please contact an expert car accident attorney to help with your case.

Amount of Insurance Coverage Available

The available insurance coverage also impacts the amount of typical car accident settlement amounts.

Auto insurance companies impose policy limits that influence an average settlement. Some insurers find ways to undervalue car accident insurance claims.

The Jurisdiction Where the Crash Occurred

Each state imposes its own car accident laws, and this means the fair settlement amount may differ depending on the jurisdiction where the car crash happened. Note that car insurance settlement is processed under a no-fault insurance claim in several states.

What is the No-Fault Insurance Claim?

What is the No-Fault Insurance Claim?

Most states operate under a fault-based insurance system. Under this system, an injured person in a car crash can bring property damage and personal injury claim against the at-fault driver. However, this is not the case in no-fault states, where the financial responsibility for the car accident comes from the victim's insurance coverage regardless of who was at fault.

The no-fault insurance policies cover both the insured and the uninsured. Instead of establishing who is at fault, victims can rely on their insurance company to pay for their severe injuries, even in a minor accident.

Here’s what people who live in no-fault states should know:

  • No-fault auto insurance can speed up the claim procedure and settlement; however, it does not cover "pain and suffering" and other non-economic losses resulting from the accident. So, both the victim and the at-fault party benefit from a minor car accident settlement.
  • The no-fault laws that are in effect in some states significantly limit the victim’s financial recovery options following a car accident.
  • The right of drivers and passengers to sue in a no-fault state is limited. However, there are instances when victims can step outside of the no-fault system and instead file a liability claim.

Is It Possible to File a Car Accident Lawsuit in a No-Fault State?

Injured drivers and passengers in no-fault states can file a car accident lawsuit provided that their claim satisfies the following thresholds specified under the state law:

  1. The accident qualifies as severe injury. For example, car accident victims can file third-party insurance claims or lawsuits if they suffer from permanent damage or significant and permanent disfigurement.
  2. Bills for medical treatments are lesser in cases of minor injuries. However, a car accident victim can file a lawsuit if the medical expenses exceed a dollar amount provided in each state after seeking treatment.

It is best to discuss any car accident situation with a lawyer. Discussing car-accident-related concerns with a lawyer allows victims to thoroughly understand their options and receive fair car accident settlement amounts.

Car Accident Lawyers Committed to Maximizing the Value of Your Case

When an individual or family retains our law firm in a car accident case, our personal injury lawyers begin collecting information to develop a solid case to present to the other driver’s insurance company or a jury.

Taking early steps to preserve evidence can mean the difference between an ‘acceptable’ versus an ‘excellent’ settlement.

Our aggressive investigation and presentation of car accident claims result in most of our cases getting resolved during negotiations with insurance companies before the case goes to court. This usually means more money in your pocket—faster.

How Much Is the Average Car Accident Settlement Amounts?

How Much Is the Average Car Accident Settlement Amounts?

We invite you to contact our office for a free review of your case with an attorney experienced with auto accidents and personal injury matters. As with all of our firm’s personal injury cases, we handle car accident cases on a contingency fee basis. We only receive a legal fee when you have a financial return.

  • $2,830,000: Settlement realized for a 44-year-old man who suffered injuries to his spinal cord when he was struck by an oncoming vehicle thatwent through a red light.
  • $1,000,000: Car accident. Paid to the family of a deceased 23-year-old woman who was a backseat passenger involved in a high-speed rear-end impact with a pickup truck. The woman died at the scene.
  • $667,000: Pedestrian accident with a A 34-year-old man was crossing the middle of a busy street (not in the crosswalk ) when a construction company employee driving a private vehicle struck the man. We successfully argued that the company was responsible for our client’s injuries as the driver was in the course of his employment.
  • $599,900: Auto accident. A 55-year-old teacher was on her way to work when she was hit head-on by a distracted driver texting on his phone. Our client had fractures to her sternum and ankle.
  • $449,000: Our client, the front-seat passenger in a friend’s car, was thrown into the windshield when the driver swerved to avoid an oncoming vehicle. Our client had numerous facial and head injuries from the impact of the glass. A subdural hematoma was identified at the emergency room, and bleeding was surgically drained. The defendant's insurance company entered into this settlement even though the expert neuropsychologist that they hired testified that our client's cognitive impairments were not objectively measurable.
  • $350,000: After leaving work after an afternoon shift at a hospital lab, our client crosseda street to take the bus home from work. While crossing the road and in the intersection, a taxicab making a left-hand turn struck the woman. The impact resulted in a fractured tibia and fibula that required surgical repair. The case was settled before
  • $250,000: Uninsured motorist policy (see here for a discussion on UM / UIM cases ) limits paid to a mother who washit by another vehicle on a suburban street. Our client sustained a shattered patella that required surgery. An extensive search revealed the other driver’s insurance lapsed before the crash.

Average Car Accident Settlement Amounts

Car Accident Settlement Amounts FAQs

Our personal injury law firm understands that many families have unanswered questions about dealing directly with insurance companies to resolve compensation claims involving medical bills, lost earnings, and physical pain and suffering.

Is There a Specific Car Accident Settlement Formula?

No two vehicle accidents are the same, so insurance adjusters often depend on the multiplier method to add an estimated value to insurance claims instead of a universal formula.

In valuing bodily injury liability coverage, adjusters often use a multiplier between 1.5 to 5, though there are times when five is not enough to compensate for the injured’s pain and suffering.

What Is Included in the Settlement Amount?

Victims of auto accidents are entitled to claim both economic and non-economic losses, such as but not limited to the following:

  • Pain and suffering
  • Surgeries
  • Medical treatment
  • Property damage
  • Loss of earning potential
  • Future medical treatment for serious injury
  • Lost income

How Do I Maximize a Car Accident Settlement?

A personal injury lawyer typically conducts a thorough investigation into auto accident cases and gathers relevant evidence for a stronger personal injury case. However, there is information that victims of an auto accident may collect to support the attorney's work.

  • Report the accident. A police report is extremely useful in determining liability in an accident, especially when negotiating with insurance companies.
  • Gather information. Collect the other party’s insurance information. It may also help to speak to witnesses and have their names and contact details.
  • Take pictures of the incident. Photographs are helpful to support car accident claims, so it is crucial to take photos of the cars involved in the accident to determine the damages sustained.
  • Advocate for yourself. Victims who take an active role in their auto accident claims are better positioned to receive fair compensation. Remember to call your own insurance company to alert them that an accident has happened, even if you sustained only minor injuries.
  • Talk to a car accident attorney. Insurance companies are tough to work with and may always look for ways to decrease auto injury claims. The personal injury attorneys at Rosenfeld Injury Lawyers LLC know what to expect and how to develop a claim so clients can get the best settlement offer.

What Is the Average Car Accident Settlement Amount?

The average settlement amount for auto accidents in the US is approximately $20,000.

However, as previously stated, no two accidents are the same, and there are various factors to consider to calculate a fair settlement amount for pain and suffering damages.

What Is the Average Settlement for a Herniated Disc Injury Caused in an Auto Accident?

There are many factors to consider in determining the average settlement for a herniated disc injury. A car accident victim may need several weeks of physical therapy that can cost a few hundred dollars, while others may require surgery.

Rosenfeld Injury Lawyers LLC and other law firms achieved jury verdicts for a herniated disc case ranging from $100,000 to $350,000.

Get Help After an Accident

The personal injury attorneys at Rosenfeld Injury Lawyers LLC handle motor vehicle collisions and have had million-dollar settlements. Get a free no-obligation consultation through our contact form or call us at (888) 424-5757 (toll-free phone call).


Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa