Alabama Personal Injury Settlement Calculator

How the Alabama Personal Injury Settlement Calculator Works

This calculator uses the same basic formula injury attorneys and insurance adjusters rely on when evaluating claims. It combines economic damages (the costs you can prove with receipts) and non-economic damages (pain, suffering, and emotional distress) into one total estimate.

Here’s a breakdown of how it works step-by-step:

1. Economic Damages
   These include:
   • Past and future medical expenses
   • Lost wages or income
   • Property damage (like your vehicle or personal belongings)
   These are your measurable, out-of-pocket losses.
2. Non-Economic Damages
   These account for:
   • Pain and suffering
   • Emotional distress
   • Impact on your quality of life
   The calculator multiplies your medical and wage losses by a “severity multiplier” based on how serious your injuries are:
   • Minor injuries (cuts, bruises): 1.5x
   • Moderate injuries (fractures, sprains): 3.0x
   • Severe injuries (nerve damage, PTSD, organ damage): 4.5x
3. Policy Limits and Caps
   If the at-fault driver’s insurance policy limit is lower than your estimated damages, your total settlement amount will be capped at that limit. The calculator accounts for this automatically.
4. Attorney Fees and Case Costs
   The calculator subtracts your attorney’s contingency fee (usually 33.3% to 40%) and any case costs or medical liens. This gives you a clearer picture of your net recovery — the amount you might actually receive.

Example of a Typical Calculation

Let’s look at a sample case:

• Medical expenses: $20,000
• Lost wages: $5,000
• Property damage: $3,000
• Injury severity: Moderate (3.0x multiplier)
• Attorney fee: 33.3%
• Case costs: $2,000

Step 1: Economic damages = $20,000 + $5,000 + $3,000 = $28,000
Step 2: Non-economic damages = ($20,000 + $5,000) × 3.0 = $75,000
Step 3: Total settlement = $28,000 + $75,000 = $103,000
Step 4: Attorney fee (33.3%) = $34,299
Step 5: Net recovery = $103,000 – $34,299 – $2,000 = $66,701

Estimated Net Recovery: $66,701

This example helps you see how each factor plays a role in your estimated compensation.

The Alabama Contributory Negligence Rule

Alabama is one of the few states that follows pure contributory negligence. This means:

If you’re found even 1% at fault, you could be barred from recovering any compensation.

The calculator factors this in automatically. If you select that you were “partially at fault,” it will display a message explaining that your potential recovery may be $0 under Alabama law.

This rule makes it crucial to speak with an experienced Alabama personal injury attorney — even small errors or assumptions about fault can eliminate your ability to recover damages.

Why Use the Alabama Settlement Calculator?

This calculator gives you:

• A realistic idea of what your claim might be worth
• A quick way to compare different injury scenarios
• A sense of how attorney fees and costs affect your final payout
• Transparency on how insurance policy limits may restrict your recovery

It’s especially helpful before you talk to an insurance adjuster or sign any settlement offer.

Important Disclaimer

This calculator provides an estimate only — not legal advice.
Every case is unique, and many factors can raise or lower your final settlement, including:

• Fault disputes
• Insurance company tactics
• Evidence strength
• Medical treatment records
• Future care needs

For a precise evaluation, talk to a qualified Alabama personal injury lawyer. They can analyze your case details, negotiate with insurers, and fight for full compensation under state law.