Illinois Personal Injury Settlement Calculator

What Is the Illinois Personal Injury Settlement Calculator?

The Illinois Personal Injury Settlement Calculator is an online tool that estimates your potential settlement based on key case details such as:

• Your percentage of fault
• Medical expenses (past and future)
• Lost wages
• Property damage
• Severity of your injuries
• Insurance policy limits
• Attorney’s fees and case costs

It uses Illinois’ modified comparative fault rule to give you an accurate, law-based estimate — helping you understand what your case could realistically be worth before talking to an attorney.

How the Calculator Works (in Simple Terms)

The calculator follows a step-by-step logic based on Illinois personal injury law and standard damage calculations:

1. Economic Damages

These are your actual financial losses, including:

• Medical bills (past and expected future care)
• Lost wages (including missed work and future income loss)
• Property damage (like car repairs or replacement)

The calculator adds these together for your total economic damages.

2. Non-Economic Damages

These cover pain, suffering, emotional distress, and loss of quality of life.
The calculator uses an injury severity multiplier to estimate these damages:

For example, if your medical bills and lost wages total $20,000 and your injuries are moderate, your non-economic damages would be roughly $60,000 (20,000 × 3).

3. Total Case Value

Your economic and non-economic damages are added together to find your total estimated settlement value.

Illinois’ Modified Comparative Fault Rule

Illinois law follows a “modified comparative fault” system. That means:

• You can only recover damages if you are 50% or less at fault.
• If you are 51% or more at fault, you get nothing.
• If you share some blame (for example, 20%), your compensation is reduced by that same percentage.

So if your total damages are $100,000 but you’re 20% at fault, your settlement drops to $80,000.

The calculator automatically applies this rule for you.

Policy Limits and Caps

Insurance policy limits can also affect your settlement.
If the at-fault driver’s policy limit is $100,000 and your damages exceed that, your recovery will likely be capped at that amount unless other assets or coverage apply.

The calculator takes this into account, clearly showing when your estimated settlement is capped by policy limits.

Attorney Fees and Case Costs

Personal injury attorneys in Illinois often work on contingency fees, meaning they get paid only if you win. Typical fees are:

• 33.3% before litigation
• 40% after litigation starts

You can also enter case costs and liens (like medical bills you must repay) to see what your net recovery might be — the amount you actually take home after fees and costs.

The calculator gives a clear breakdown of:

• Total settlement
• Attorney’s fee
• Case costs and liens
• Your estimated net recovery

Example: How It All Adds Up

Let’s say:

• Medical expenses: $15,000
• Lost wages: $5,000
• Property damage: $8,000
• Severity: Moderate (3.0 multiplier)
• Fault: 10%
• Policy limit: $100,000
• Attorney fee: 33.3%
• Case costs: $2,500

Here’s how the estimate might look:

1. Economic damages: $28,000
2. Non-economic damages: ($20,000 × 3) = $60,000
3. Total before fault: $88,000
4. Less 10% fault: $79,200
5. Attorney fee: ~$26,376
6. Case costs: $2,500
7. Your net recovery: ~$50,324

This is just an estimate, but it gives you a realistic snapshot of your potential recovery.

Why Use the Illinois Personal Injury Settlement Calculator?

Instant clarity: No waiting for a lawyer’s call — get a rough idea fast.
Transparency: See how each factor changes your case value.
Preparedness: Understand your numbers before negotiating with insurers.
Confidence: Know where you stand under Illinois law.

This calculator is especially useful if you’re:

• Injured in a car accident, slip and fall, or workplace incident
• Considering hiring a lawyer
• Negotiating with an insurance adjuster
• Just curious about your potential claim value

Important Legal Disclaimer

This calculator is for informational purposes only.
It gives you a rough estimate, not legal advice or a guaranteed outcome.

Every personal injury case is unique, and your actual settlement depends on:

• The strength of your evidence
• Insurance negotiations
• Medical documentation
• Jury tendencies (if your case goes to trial)

To get an accurate valuation, you should always consult a licensed Illinois personal injury attorney.