Missouri Personal Injury Settlement Calculator

What Is a Missouri Personal Injury Settlement Calculator?

A Missouri Personal Injury Settlement Calculator is an online tool designed to estimate your possible settlement value based on several key inputs such as:

• Medical expenses (past and future)
• Lost wages
• Property damage
• Severity of injuries
• Your percentage of fault
• Attorney fees and case costs

The calculator applies Missouri’s pure comparative fault rule and other compensation factors to give you a clear estimate of what you might recover.

It’s a fast, no-cost way to get clarity — especially when you’re trying to make sense of complex injury claims.

How the Missouri Settlement Calculator Works

Here’s a breakdown of how the calculator estimates your personal injury settlement:

1. Enter Your Expenses

You’ll start by entering your medical bills, lost income, and property damage. These are your economic damages — real financial losses that can be easily measured.

2. Rate the Severity of Your Injuries

Next, select the injury severity that best describes your case:

• Minor (cuts, bruises, minor sprains) – Multiplier: 1.5×
• Moderate (broken bones, longer recovery) – Multiplier: 3×
• Severe (life-altering injuries, PTSD, nerve damage) – Multiplier: 4.5×

This multiplier helps the calculator estimate non-economic damages — things like pain, suffering, and emotional distress.

3. Account for Comparative Fault

Missouri follows a pure comparative fault system. That means if you’re partially responsible for the accident, your compensation decreases by your share of fault.

For example:

• If your damages total $100,000 but you were 20% at fault, your recovery becomes $80,000.

4. Apply Policy Limits

If the at-fault party’s insurance policy limit is lower than your estimated settlement, your recovery is capped at that amount. The calculator factors this in automatically.

5. Subtract Legal Fees and Costs

If you have a lawyer, the calculator deducts the standard attorney’s contingency fee (usually 33.3% before litigation or 40% after). You can also add case costs or medical liens you’ll need to repay from your settlement.

The end result?
Your net recovery — the amount you may actually take home after all reductions.

Formula Behind the Calculator

Here’s a simplified version of how the Missouri Personal Injury Settlement Calculator works under the hood:

Economic Damages = Medical Expenses + Lost Wages + Property Damage  
Non-Economic Damages = (Medical + Lost Wages) × Injury Severity Multiplier  
Total Settlement = Economic + Non-Economic  
Reduced Settlement = Total Settlement × (1 - Percentage of Fault)  
Attorney Fee = Reduced Settlement × Attorney Fee %  
Net Recovery = Reduced Settlement - Attorney Fee - Case Costs  

The calculator also checks whether your policy limit caps the recovery amount.

This logical, transparent formula keeps the estimate realistic and easy to understand.

Missouri Law and Fault Rules in Simple Terms

Under Missouri law, even if you’re 99% at fault, you can still recover 1% of your damages. That’s what makes it a pure comparative fault state.

For example:

• If your total damages are $50,000 and you’re 60% at fault, you could still recover $20,000.

There are no caps on most personal injury damages in Missouri, except in certain medical malpractice cases. This means you can potentially recover the full value of your losses depending on your case and the available insurance coverage.

Example: How a Missouri Settlement Might Be Calculated

Let’s see a quick example:

• Medical Expenses: $20,000
• Lost Wages: $5,000
• Property Damage: $3,000
• Injury Severity: Moderate (Multiplier = 3×)
• Your Fault: 10%
• Attorney Fee: 33.3%
• Case Costs: $2,000

Step 1:
Economic = $28,000
Non-Economic = ($25,000 × 3) = $75,000
Total = $103,000

Step 2:
Reduced by 10% fault = $92,700

Step 3:
Attorney Fee = $30,857
Case Costs = $2,000

Your Net Recovery = $59,843

That’s what you might take home from the settlement — before taxes or medical lien adjustments.

Why Use This Calculator?

• Fast: Get an estimate in under a minute.
• Accurate: Uses Missouri-specific laws and formulas.
• Transparent: Clearly shows how each figure is calculated.
• Educational: Helps you understand how personal injury claims are valued.
• Private: No need to enter personal data or contact info.

Whether you’re preparing for a consultation or just want to know what’s fair, the Missouri Personal Injury Settlement Calculator gives you a head start.

Important Disclaimer

This calculator is for informational purposes only. It’s not legal advice, and results are not guaranteed. Every case is unique — factors like medical evidence, insurance negotiations, and legal representation can significantly change your outcome.

For the most accurate estimate, consult a qualified Missouri personal injury attorney.