Maine Car Accident Settlement Calculator
Estimate your potential settlement based on Maine 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. Your recovery is subject to multiple Maine laws: 1) 50% Bar Rule: If you are 50% or more at fault, you recover $0. 2) No Damage Caps: Maine has no cap on non-economic damages. 3) Policy Limits: Your final payout is capped by the at-fault driver’s insurance limits.
What Is the Maine Car Accident Settlement Calculator?
The Maine Car Accident Settlement Calculator is a free online tool that helps estimate how much money you might recover after a car crash — based on real Maine legal standards.
It’s not guesswork. The calculator uses key financial inputs, injury data, fault percentages, and insurance policy limits to give you a realistic settlement range.
Who Should Use This Calculator?
This tool is ideal if you:
- Got injured in a car accident in Maine
- Want a quick, private estimate before calling a lawyer
- Need help understanding how different factors affect your payout
- Are curious if an insurance offer is fair
Bottom line: If you’re dealing with an auto injury claim in Maine, this calculator can give you clarity — fast.
How the Calculator Works
To estimate your settlement, the calculator looks at 3 main types of damages:
1. Economic Damages (what you paid or lost)
These include:
- Medical bills (past and future)
- Lost wages
- Out-of-pocket expenses
You enter:Medical Bills + Lost Wages + Future Medical Costs
2. Non-Economic Damages (your pain, suffering, recovery)
This is calculated using a multiplier based on your injury severity. For example:
| Injury Severity | Multiplier |
|---|---|
| Minor (whiplash) | 1.5 |
| Moderate (broken bones) | 2.5 |
| Severe (spinal injury) | 5.0 |
The calculator boosts this value if certain factors apply:
- DUI involved (+1.0)
- Commercial vehicle hit you (+0.5)
- You hired an attorney (+0.2)
- You had a police report or witnesses (+0.3)
- Long recovery over 90 days (+0.5)
It reduces the multiplier if you had pre-existing conditions (-0.5).
3. Property Damage
This includes your car’s value before the crash, adjusted by how badly it was damaged.
- Light damage? Partial recovery.
- Totaled? Full pre-accident value.
This is capped by the at-fault driver’s Property Damage policy limit.
Fault Matters — A Lot
Maine uses the Modified Comparative Negligence Rule:
- If you’re 50% or more at fault, you get nothing.
- If you’re less than 50% at fault, your payout is reduced by your fault %.
Example:
If you’re 20% at fault and your total damages are $100,000, you’d get $80,000.
The calculator does this automatically.
Insurance Policy Limits Apply
Even if your damages are high, your payout is capped by the at-fault driver’s policy limits:
- Bodily Injury (BI) Limit – for your injuries
- Property Damage (PD) Limit – for your car
Maine’s minimum coverage is $50,000 for BI and $25,000 for PD.
The calculator checks your damages against these caps.
Step-by-Step: How to Use the Calculator
- Enter your actual costs (medical bills, lost wages)
- Estimate recovery days
- Input vehicle value and damage level
- Choose your injury severity
- Set your % of fault
- Check if police reports, witnesses, DUI, or attorney apply
- Adjust insurance limits if known
- Click “Calculate”
You’ll see a breakdown:
- Economic damages
- Non-economic damages
- Property damage
- Total value before and after fault
- Final estimated payout range
Why It Matters
Most people don’t know what their case is worth. That leads to:
- Accepting lowball offers from insurance companies
- Waiting too long to act
- Feeling overwhelmed and powerless
This calculator changes that. It gives you a reality check, fast.
Realistic, Not Perfect
The tool is a strong starting point. But it’s not legal advice. Real-world settlements also consider:
- Long-term disability
- Emotional distress
- Trial risk vs. settlement value
- Juror tendencies in your area
Use it to understand your range, then talk to a lawyer to go deeper if needed.
Maine-Specific Legal Rules to Know
- No damage caps on pain and suffering
- 50% bar rule means fault kills your case at 50%+
- Comparative negligence reduces your payout by your fault %
- Policy limits act as hard caps unless the driver has assets
These rules are built right into the calculator logic.
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