New Mexico Personal Injury Settlement Calculator
Estimated Settlement & Recovery
Non-Economic Damages: $0.00
How the New Mexico Personal Injury Settlement Calculator Works
Every personal injury claim in New Mexico involves three key factors:
- Damages (your medical bills, lost wages, and property damage)
- Fault (how much you contributed to the accident)
- Insurance limits (the maximum amount the at-fault party’s insurance will pay)
The calculator uses these factors to estimate your potential gross settlement and net recovery after attorney fees and costs.
Here’s how each input field affects your result:
1. Your Percentage of Fault
New Mexico follows a pure comparative fault rule.
That means if you’re partly responsible for an accident, your settlement is reduced by that percentage.
- Example: If your total damages are $100,000 and you’re 20% at fault, you could still recover $80,000.
2. Medical Expenses (Past & Future)
These are the foundation of most injury claims.
Include hospital bills, surgeries, therapy, medication, and future medical care if needed.
3. Lost Wages
If your injuries caused you to miss work — or reduce your earning capacity — you can include both past and future lost income here.
4. Property Damage
For car accidents or other incidents involving property loss, enter repair or replacement costs.
5. Injury Severity Multiplier
This factor adjusts for pain and suffering, emotional distress, and loss of quality of life — also called non-economic damages.
The calculator uses three tiers:
- Minor: 1.5x multiplier (bruises, lacerations)
- Moderate: 3.0x multiplier (fractures, longer recovery)
- Severe: 4.5x multiplier (organ damage, PTSD, long-term disability)
Example: If you have $20,000 in medical bills and lost wages, and select “Moderate,” your non-economic damages would be $60,000 ($20,000 × 3.0).
6. Insurance Policy Limit (Optional)
If you know the at-fault driver’s insurance limit, enter it here.
If your estimated settlement exceeds this limit, the calculator will automatically cap the value — since insurers rarely pay more than their policy allows.
7. Attorney’s Fee Percentage
Most New Mexico personal injury lawyers work on a contingency fee basis:
- 33.3% if the case settles before a lawsuit
- 40% if it goes into litigation
- 0% if you’re handling it yourself
8. Case Costs & Medical Liens
Include filing fees, expert witness costs, or medical liens that must be repaid from your settlement.
Understanding Your Results
When you click “Calculate Estimate”, the calculator gives you three main figures:
- Final Estimated Settlement:
The total amount after accounting for fault and policy limits. - Breakdown of Damages:
- Economic damages: Medical bills, lost wages, and property damage.
- Non-economic damages: Pain, suffering, and emotional distress.
- Net Recovery:
The amount you might actually take home after attorney fees and costs are deducted.
This net recovery is what truly matters — it’s what ends up in your pocket once everything else is paid.
Example Calculation
Let’s say:
- Medical expenses: $25,000
- Lost wages: $5,000
- Property damage: $3,000
- Injury severity: Moderate (3.0x)
- You’re 10% at fault
- Attorney fee: 33.3%
Here’s how it works:
- Economic damages = $33,000
- Non-economic damages = $90,000
- Total = $123,000
- Minus 10% fault = $110,700
- Minus attorney fee (33.3%) = $73,800
- Estimated net recovery: $73,800 (approx.)
That’s the kind of clarity this calculator provides — fast, straightforward, and informative.
Important Legal Note
This tool offers a rough estimate only.
It does not provide legal advice or replace the guidance of a qualified attorney.
Because New Mexico uses a pure comparative fault system, even if you’re 99% at fault, you could still recover 1% of your damages — but calculating the full value accurately requires professional help.
If you’ve suffered serious injuries, always speak with a New Mexico personal injury lawyer before accepting any insurance offer.
Why Use This Calculator?
- Instant results: No waiting, no sign-up required.
- Easy to use: Simple inputs with clear explanations.
- Realistic insights: Factors in attorney fees, liens, and insurance limits.
- New Mexico-specific: Built around local comparative fault laws.
This calculator helps you make informed decisions — whether you’re negotiating a settlement, talking to an insurance adjuster, or preparing to meet a lawyer.