Minnesota Personal Injury Settlement Calculator

What This Calculator Does

This calculator estimates your personal injury settlement value based on the real factors Minnesota courts and insurance companies consider.
It uses common damage categories — like medical expenses, lost wages, and pain and suffering — to project a ballpark settlement figure.

You just enter your information into the calculator fields:

• Your percentage of fault (0–50%)
• Medical expenses (past and future)
• Lost wages (past and future)
• Property damage
• Injury severity
• Policy limits (if known)
• Attorney fees and case costs

Then hit “Calculate Estimate” — and you’ll instantly see:

• Total estimated settlement
• Economic vs. non-economic damages
• Attorney fee deductions
• Your final estimated net recovery

How the Minnesota Fault Rule Affects Your Settlement

Minnesota follows a modified comparative fault rule.
This means your share of fault reduces your settlement, but only up to a point.

• If you’re 50% or less at fault, you can still recover damages — but your payout is reduced by your percentage of fault.
  Example: If you’re 20% at fault for a $100,000 claim, you get $80,000.
• If you’re 51% or more at fault, you get nothing under Minnesota law.

The calculator applies this rule automatically. If your fault is entered above 50%, it will show an error message stating that you cannot legally recover damages.

How the Calculator Estimates Damages

The Minnesota Personal Injury Settlement Calculator uses both economic and non-economic damages to reach an estimated total.

1. Economic Damages

These are your actual financial losses, including:

• Medical bills (past and future)
• Lost wages (past and future)
• Property damage (like vehicle repair or replacement)

These numbers are straightforward — they come from your records and receipts.

2. Non-Economic Damages

These cover pain, suffering, and emotional distress.
Since these are harder to measure, the calculator applies a multiplier based on your injury’s severity:

So if your combined medical and wage losses are $20,000 and your injuries are “moderate,” non-economic damages would be estimated at $60,000 — giving you a total of $80,000 before reductions.

Understanding Policy Limits and Attorney Fees

Insurance Policy Limits

The calculator includes an optional field for the at-fault party’s policy limit.
If the calculated settlement exceeds that limit, your total is automatically capped — because in real life, most settlements can’t exceed available insurance coverage.

Attorney Fees and Case Costs

You can choose whether you’re using a lawyer and at what rate:

• 33.3% (standard pre-litigation fee)
• 40% (if litigation has started)
• 0% (if representing yourself)

It also lets you enter case costs or medical liens — for example, if you owe your doctor or insurance company after the case.
Your net recovery shows what you might personally take home after all deductions.

Example: How It All Comes Together

Let’s say you enter:

• 10% fault
• $15,000 in medical expenses
• $5,000 in lost wages
• $8,000 in property damage
• “Moderate” injury severity (3× multiplier)
• 33.3% attorney fee
• $2,500 in case costs

Here’s how the calculator breaks it down:

1. Economic damages: $28,000
2. Non-economic damages: ($15,000 + $5,000) × 3.0 = $60,000
3. Total damages: $88,000
4. Reduced by 10% fault: $79,200
5. Attorney fee (33.3%): -$26,400
6. Case costs: -$2,500
   Estimated net recovery: $50,300

That’s your estimated “take-home” settlement amount.

Why Use This Minnesota Settlement Calculator

Most people don’t know what their case might be worth until they talk to an attorney — and even then, it’s often unclear.
This tool helps bridge that gap. It gives you a data-backed estimate using actual legal and financial principles so you can:

• Understand how Minnesota law affects your case
• Set realistic expectations
• Decide whether to pursue a claim
• Prepare smarter for your attorney consultation

It’s not legal advice, but it’s a solid first step toward clarity.

Legal Disclaimer

This calculator is for informational purposes only.
Minnesota’s comparative fault law applies strictly — you cannot recover damages if you’re more than 50% at fault.
Actual settlement values depend on evidence, insurance limits, court decisions, and attorney negotiations.
Always consult a qualified Minnesota personal injury attorney for legal guidance on your specific situation.