Delaware Car Accident Settlement Calculator
Estimate your potential settlement based on Delaware guidelines.
Estimated Settlement Range
Economic Damages: $0
Non-Economic Damages: $0
Total Property Damage: $0
Est. Total (Before Fault): $0
Fault Reduction (0%): $0
Est. Final Payout: $0
Disclaimer: This is a simplified estimate for educational purposes only. It is not legal advice. The final payout is capped by the at-fault driver’s insurance limits. Delaware is a “no-fault” state, meaning your own PIP insurance is your primary source for medical bills. Under Delaware’s “Modified Comparative Negligence” (51% Bar) law, you are barred from *any* recovery from the at-fault driver if your fault is 51% or greater.
What Is the Delaware Car Accident Settlement Calculator?
It’s a smart online tool that lets you enter the details of your accident to get a realistic estimate of your possible settlement. It’s not legal advice, but it helps you understand how much your claim might be worth if you pursue compensation.
Unlike generic calculators, this one uses Delaware-specific rules, including:
- Modified comparative negligence (the 51% bar rule)
- Policy limit caps
- Personal Injury Protection (PIP) structure
- General damage multipliers
Good to know: If you’re found to be 51% or more at fault, Delaware law says you can’t recover any compensation. The calculator takes this into account automatically.
How the Calculator Works (Plain English Breakdown)
This calculator is powered by a formula that considers your costs, your injury severity, and how much you were at fault.
Inputs You’ll Need
Here’s what the calculator asks for:
- Property Damage – Cost to repair or replace your vehicle
- Vehicle Damage Severity – Minor to totaled (affects the multiplier)
- Medical Bills – Past and current expenses
- Lost Wages – What you couldn’t earn due to your injury
- Future Medical Costs – Projected treatments or rehab
- Estimated Recovery Time – Days you were actively recovering
- Injury Severity Level – Minor to severe, with preset multipliers
- At-Fault Driver’s Insurance Limits – Bodily Injury (BI) and Property Damage (PD) caps
- Your Percentage of Fault – From 0 to 100%
- Extra Factors:
- Police report filed
- Independent witnesses
- Lawyer involved
- DUI by the other driver
- Commercial vehicle involved
- Pre-existing conditions
What the Calculator Actually Does
Once you hit “Calculate”, it runs this rough process:
- Adds up your economic damages (medical, wages, future medical)
- Multiplies by a factor based on your injury severity, vehicle damage, and other variables
- Reduces the total by your percentage of fault
- Caps the result by the at-fault driver’s insurance limits
- Breaks down BI (bodily injury) and PD (property damage) portions
- Shows your final estimated payout in dollars
Example: How Much Could You Get?
Let’s say:
- You have $7,500 in medical bills
- $2,000 in lost wages
- You were out of work for 45 days
- The other driver was at fault and had $25,000 in BI coverage
With moderate injuries and no shared fault, your estimated payout might look like:
- Total value: $25,000+
- After fault and policy caps: Closer to $23,000–$25,000
- If you’re 30% at fault: Your claim drops to around $17,000
Each case is different — that’s why the calculator adjusts everything dynamically.
Fault Matters — A Lot
Delaware uses a modified comparative negligence rule. If you’re found to be 51% or more at fault, you get nothing. If you’re less than 51%, your payout is reduced by your percentage of fault.
The calculator clearly shows this. It even gives a warning if your fault percentage is too high.
Policy Limits Cap Your Payout
Even if your injuries are worth $100,000, you can’t recover more than the at-fault driver’s insurance policy allows unless you sue them personally (which isn’t always possible).
Most Delaware drivers carry the minimum:
- $25,000 for bodily injury
- $10,000 for property damage
The calculator enforces these caps so you’re not misled.
Factors That Boost (or Lower) Your Settlement
The calculator adds weight for:
- Police report filed (+0.2 multiplier)
- Lawyer involvement (+0.5)
- DUI by the other driver (+1.0)
- Independent witnesses (+0.3)
- Commercial vehicle (+0.5)
It also subtracts if you had pre-existing conditions, which insurers often use to reduce your claim.
Why This Calculator Is Worth Using
- Free and Instant – No signup, no wait
- State-Specific – Built for Delaware’s laws and policies
- Realistic – Applies legal rules, fault percentages, and caps
- Transparent – Shows you exactly how your estimate was calculated
A Few Important Disclaimers
- This is an estimate, not legal advice
- Payouts depend on real-world negotiations with insurers
- Every case is different, and evidence matters
Still, this tool gives you a realistic starting point to understand your position and whether it’s time to get legal help.
Try the Calculator Now
Ready to find out what your case could be worth? Use the Delaware Car Accident Settlement Calculator above to get your free, instant estimate.
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