Massachusetts Car Accident Settlement Calculator
Estimate your potential settlement based on Massachusetts 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 MA laws: 1) No-Fault / PIP: You must use your own $8,000 in PIP first. You can only claim pain & suffering if your medical bills exceed $2,000 or you have a “serious injury.” 2) 51% Bar Rule: If you are 51% or more at fault, you recover $0. 3) Policy Limits: Your final payout is capped by the at-fault driver’s insurance limits.
Why You Need a Settlement Calculator in Massachusetts
Massachusetts follows some strict car accident laws. Between no-fault rules, the $2,000 medical threshold, and the 51% fault bar, even simple fender-benders can become legal puzzles.
The Massachusetts Settlement Calculator cuts through that. It uses:
- Medical costs
- Lost wages
- Injury severity
- Vehicle damage
- Fault percentages
- Policy limits
…and more to give you a ballpark estimate of your potential compensation.
Note: This calculator doesn’t give legal advice. It gives you an educated estimate based on common legal formulas.
How It Works — Behind the Calculator
The calculator is powered by a custom JavaScript engine that combines economic and non-economic damages, adjusts for your share of fault, and applies Massachusetts-specific rules.
Inputs You’ll Need
You’ll be asked to provide:
- Medical bills: What you've spent so far
- Lost wages: Time off work due to injuries
- Future medical expenses: Ongoing or expected care
- Recovery time: Number of days injured
- Vehicle value & damage severity: For property damage
- Injury severity level: From minor to catastrophic
- Percentage of fault: Your share of blame in the accident
- Insurance policy limits: How much coverage is available
- Other factors: Was a DUI involved? Was a police report filed?
Each of these inputs is used to calculate economic, non-economic, and property damages.
Key Features of the Calculator
Here’s why this tool is more than just a number generator:
1. Built on MA Legal Rules
- Enforces No-Fault Rule: You can't sue for pain and suffering unless medical expenses exceed $2,000 or involve a serious injury.
- Applies the 51% Bar: If you’re 51% or more at fault, your claim = $0.
- Considers policy caps: You can’t recover more than the at-fault driver’s insurance limits.
2. Smart Damage Calculation
- Uses a multiplier for pain & suffering damages based on injury severity
- Adds bonuses for aggravating factors like DUI, commercial vehicle, and extended recovery time
- Reduces payouts based on your fault percentage
3. Clear Breakdown
You’ll get a detailed estimate showing:
- Economic Damages (bills + wages)
- Non-Economic Damages (pain & suffering)
- Property Damage (vehicle)
- Fault reduction
- Final payout estimate range
Example: Let’s Run a Quick Scenario
Say you enter:
- $5,000 in medical bills
- $2,000 in lost wages
- Moderate injury (Multiplier = 2.5)
- 20 recovery days
- Your fault = 10%
- Vehicle worth $10,000 with moderate damage
The calculator will:
- Add up economic losses: $5,000 + $2,000 = $7,000
- Estimate non-economic damages: $5,000 x 2.5 = $12,500
- Estimate property damage: Adjusted by damage severity
- Reduce the total by 10% for your fault
- Cap the payout if the insurance policy limit is lower than your damages
Estimated Settlement Range: around $16,000 – $18,000
Important Legal Limits You Should Know
Massachusetts doesn’t make it easy. Here's what can block your payout:
1. No Pain & Suffering if…
Your medical bills are under $2,000 and your injuries are not considered "serious" (like fractures, scars, etc.).
2. 51% Bar Rule
If you’re 51% or more at fault, you get nothing. Even if your damages are sky-high.
3. Insurance Policy Caps
Even if your case is worth $100,000, if the at-fault driver only has $20,000 in liability coverage, that’s your limit—unless you sue and win more.
FAQ
Is the Massachusetts settlement calculator accurate?
It gives a reasonable estimate based on real inputs and legal rules. It’s not legal advice, but it’s better than guessing.
Can I use it if I’m partially at fault?
Yes, as long as you're less than 51% at fault. The calculator automatically reduces your estimate based on your percentage.
Does it include pain and suffering?
Yes—but only if your medical bills exceed $2,000 or you have a “serious injury.”
What’s the average car accident settlement in Massachusetts?
It varies, but moderate injury cases can range between $10,000 and $50,000 depending on injuries, fault, and policy limits.
Should I still talk to a lawyer?
Absolutely. This calculator helps you estimate, but a personal injury attorney can negotiate, fight insurance tactics, and get more.
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