Arkansas Car Accident Settlement Calculator

What Is the Arkansas Car Accident Settlement Calculator?

It’s an online tool that estimates your total settlement payout based on:

• Medical expenses (past and future)
• Lost wages
• Property damage
• Injury severity
• Recovery time
• Percentage of fault
• Policy limits
• Extra factors like DUI, police reports, or if you hired an attorney

The calculator takes all of these inputs and runs them through a formula based on Arkansas negligence laws and insurance payout limits.

Important: This calculator gives an estimate—not legal advice or a guaranteed result. Real-world outcomes depend on negotiations, insurance adjusters, and sometimes court decisions.

How Arkansas Law Affects Your Settlement

Before we dive into the math, you need to understand Arkansas’s Modified Comparative Negligence Rule.

Here’s how it works:

• If you are 50% or more at fault, you cannot collect any damages. Zero. You’re legally barred from recovering compensation.
• If you are less than 50% at fault, your compensation is reduced by your percentage of fault.

Example:
If your total damages are $20,000 and you’re found 20% at fault, you can recover 80%—that’s $16,000.

The calculator applies this rule automatically. If you input 50% or more fault, your estimated payout is $0.

How the Calculator Works (Behind the Scenes)

Let’s look under the hood. The calculator follows a logical sequence to produce your result:

1. Add Up Your Base Damages

• Medical Bills (current and future)
• Lost Wages
• Vehicle Property Damage

These are your economic damages—real, countable losses.

2. Factor in Non-Economic Damages (Pain & Suffering)

The calculator multiplies your base medical and wage losses using a severity multiplier based on your injuries:

Then it adjusts that multiplier based on:

• Vehicle damage severity
• Length of recovery
• DUI or commercial vehicle involved
• Whether you had a lawyer
• If a police report or witnesses were involved
• Pre-existing medical conditions

3. Apply Fault Reduction

If you were partly at fault, the total value is reduced by that percentage.

4. Apply Insurance Policy Limits

Even if your damages are high, your payout can’t exceed the at-fault driver’s insurance limits, which in Arkansas are usually:

• $25,000 for Bodily Injury (BI)
• $25,000 for Property Damage (PD)

If your total calculated damages go over those limits, the final payout is capped.

Sample Walkthrough: Estimating a Real Case

Let’s say you enter:

• Medical bills: $5,000
• Lost wages: $2,000
• Future medical costs: $3,000
• Property damage: $10,000
• Vehicle damage severity: “Severe”
• Injury severity: “Serious”
• Recovery time: 90 days
• Fault: 10%
• BI/PD limits: $25,000 each
• Attorney: Yes
• DUI involved: Yes

Here’s how the estimate might look:

• Base damages: $10,000
• Multiplier: 3.5 + 0.2 (vehicle damage) + 0.3 (recovery time) + 0.5 (attorney) + 1.0 (DUI) = 5.5
• Pain and suffering: $10,000 × 5.5 = $55,000
• Total damages (before fault): ~$78,000
• 10% fault reduction: -$7,800
• After fault: ~$70,200
• BI/PD cap applies: Final payout is capped at $50,000 total ($25K BI + $25K PD)

Final Estimate: $50,000

What You’ll Love About This Calculator

• Instant results – no email required
• Arkansas-specific – tailored to local laws
• Realistic estimates – includes insurance limits, fault rules
• Flexible inputs – covers medical bills, lost wages, vehicle value, and more
• Clear breakdown – shows how the final number is calculated

What the Calculator Doesn’t Do

• It doesn’t replace a personal injury attorney
• It can’t predict how aggressive insurance adjusters will be
• It doesn’t account for emotional stress or trial outcomes

Think of it as a powerful starting point, not the final word.

Try It Yourself: Arkansas Car Accident Settlement Calculator

The calculator is embedded right here on the page. All you need to do is:

1. Enter your numbers
2. Select the severity of damage and injuries
3. Indicate your percentage of fault
4. Add any extra factors like attorney involvement or DUI
5. Hit “Calculate Settlement”

The result will appear instantly with a detailed breakdown.

Use the calculator now to estimate your claim.

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