Idaho Personal Injury Settlement Calculator
Estimated Settlement & Recovery
Non-Economic Damages: $0.00
What Is the Idaho Personal Injury Settlement Calculator?
The Idaho Personal Injury Settlement Calculator is a free online tool designed to estimate the potential value of your personal injury claim in Idaho.
It uses data you provide — like your medical expenses, lost wages, and degree of injury — to estimate both your economic damages (measurable costs) and non-economic damages (pain, suffering, emotional distress, etc.).
It also factors in key Idaho legal rules such as:
- Comparative fault (49% rule) — You can only recover damages if you were less than 50% at fault.
- Non-economic damage cap — Idaho limits pain and suffering damages to $453,750 (as of 2025).
- Insurance policy limits — Your recovery can’t exceed the at-fault party’s insurance coverage.
This calculator gives you a realistic estimate of what you might recover — before attorney’s fees, case costs, or policy limits are applied.
How the Calculator Works (Step by Step)
The Idaho Personal Injury Settlement Calculator follows a clear, step-by-step process. Here’s what happens when you use it:
1. Enter Your Percentage of Fault
Under Idaho law, if you’re 50% or more at fault, you cannot collect damages.
If you’re 49% or less at fault, your total settlement is reduced by that percentage.
For example, if your total damages are $100,000 and you’re 10% at fault, your recovery drops to $90,000.
2. Add Your Economic Damages
These are your out-of-pocket losses, including:
- Medical Expenses (past and future treatment)
- Lost Wages (time off work)
- Property Damage (vehicle repairs or replacement)
Example:
If you enter $15,000 in medical bills, $5,000 in lost wages, and $8,000 in property damage, your total economic damages are $28,000.
3. Select Injury Severity
This factor determines your non-economic damages (pain and suffering).
Each level applies a multiplier to your economic losses:
| Injury Severity | Multiplier | Example |
|---|---|---|
| Minor | 1.5× | Lacerations, bruises |
| Moderate | 3.0× | Broken bones |
| Severe | 4.5× | Organ damage, PTSD, nerve injuries |
So, if you had moderate injuries with $20,000 in combined medical and wage losses, non-economic damages might be estimated at $60,000 ($20,000 × 3.0).
4. Apply the Damage Cap
Idaho limits non-economic damages to $453,750 (as adjusted yearly for inflation).
If your calculated non-economic damages exceed that cap, the calculator automatically adjusts them down.
5. Adjust for Policy Limits
If the at-fault driver’s insurance policy caps coverage at $100,000 and your total settlement exceeds that, your recovery cannot go beyond that amount.
6. Factor in Attorney’s Fees and Costs
The calculator subtracts legal fees (usually 33.3% to 40%) and case costs or liens to estimate your net recovery — what you actually take home after expenses.
Example: How It All Adds Up
Let’s walk through a simple example.
| Category | Amount |
|---|---|
| Medical Expenses | $15,000 |
| Lost Wages | $5,000 |
| Property Damage | $8,000 |
| Fault | 10% |
| Injury Severity | Moderate (3.0× multiplier) |
| Attorney Fee | 33.3% |
| Case Costs | $2,500 |
Calculation:
- Economic damages = $15,000 + $5,000 + $8,000 = $28,000
- Non-economic damages = ($15,000 + $5,000) × 3.0 = $60,000
- Total damages = $88,000
- Fault reduction = 10% → $8,800
→ Adjusted total = $79,200 - Attorney fee = $26,376
- Case costs = $2,500
- Estimated net recovery = $50,324
Your screen will display:
- Final Estimated Settlement: $79,200
- Net Recovery (Your Take-Home): $50,324
Idaho-Specific Laws That Affect Your Settlement
1. Modified Comparative Fault (49% Rule)
You can only recover if you are less than 50% responsible for the accident.
If you are 50% or more at fault, your recovery becomes $0.
2. Damage Caps
Non-economic damages like pain and suffering cannot exceed $453,750 (as of 2025). This cap increases slightly each year due to inflation.
3. Insurance Policy Limits
No matter your total damages, if the at-fault party only has $50,000 in insurance coverage and no personal assets, that may be all you can recover.
Why Use a Settlement Calculator?
An Idaho personal injury settlement calculator is not a substitute for a lawyer, but it gives you:
- A quick, data-based estimate of your case value
- Insight into how Idaho laws impact your claim
- A clear starting point for settlement negotiations
It helps you understand whether your case might be worth pursuing further with a personal injury attorney.
Important Disclaimer
This calculator is for educational and informational purposes only. It provides an estimate, not a legal opinion.
Your actual settlement may vary based on:
- Case evidence
- Insurance coverage
- Legal representation
- Court decisions
Always consult a qualified Idaho personal injury lawyer before making legal or financial decisions.