Montana Car Accident Settlement Calculator
Estimate your potential settlement based on Montana 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. Montana is an “at-fault” state. Under Montana’s “Modified Comparative Negligence” (50% Bar) law, you are barred from *any* recovery from the at-fault driver if your fault is more than 50%.
What Is the Montana Car Accident Settlement Calculator?
The Montana Car Accident Settlement Calculator is a web-based tool designed to estimate your potential compensation after an accident. It uses real accident data patterns and applies Montana’s laws, including the Modified Comparative Negligence Rule and insurance policy caps.
Why it matters: Most victims don’t know how much they’re really owed. This calculator brings clarity and a reliable starting point to your claim.
How It Works (Behind the Scenes)
The calculator uses a combination of economic damages (like medical bills and lost wages) and non-economic damages (like pain and suffering), then adjusts the total based on:
- Your percentage of fault
- The severity of injuries
- Presence of legal or aggravating factors like a DUI or commercial vehicle
- Insurance policy limits of the at-fault driver
Let’s walk through the inputs and what each one means.
Key Inputs the Calculator Uses
1. Medical Bills
The foundation of your economic damages. Include ER visits, surgeries, prescriptions, therapy—anything related to treatment.
2. Lost Wages
If you missed work due to your injury, input the wages you lost. Montana law allows recovery for both past and future income loss.
3. Future Medical Costs
If recovery will require ongoing treatment, those expenses count too.
4. Vehicle Value & Damage Severity
You’ll be asked to estimate your vehicle’s value before the crash and rate the damage (from minor to totaled). This determines property damage compensation.
5. Injury Severity
Choose from:
- Minor (e.g., bruises)
- Moderate (e.g., broken bones)
- Significant (e.g., surgery)
- Severe (e.g., spinal injury, TBI)
Each level has a built-in multiplier to help calculate non-economic damages like pain and suffering.
6. Your Percentage of Fault
Montana follows Modified Comparative Negligence (50% bar rule). If you’re more than 50% at fault, you can’t collect any damages. If you’re 50% or less at fault, your total award is reduced proportionally.
7. Insurance Policy Limits
Montana’s minimum liability coverage is:
- $25,000 per person (bodily injury)
- $50,000 per accident
- $20,000 for property damage
No matter your damages, you can’t recover more than the at-fault party’s policy limit unless you sue and win extra in court.
8. Additional Factors
Check boxes for these conditions:
- Police report filed
- Independent witnesses
- You have an attorney
- DUI involved (other driver)
- Commercial vehicle involved
- Pre-existing conditions
These modify the final settlement estimate, either increasing or decreasing your potential payout.
How Is the Settlement Calculated?
Here’s a simplified version of the formula the calculator uses:
Total Settlement =
(Medical + Lost Wages + Future Medical) = Economic Damages
(Economic x Severity Multiplier) = Non-Economic Damages
Property Damage
% Fault Deduction
Capped by Insurance Policy Limits
Example:
If your total damages are $100,000 but you’re 20% at fault, your final payout is reduced to $80,000. If the other driver’s insurance only covers $50,000, that’s your max payout—unless you pursue further legal action.
Why This Calculator Matters
Most people undervalue their claims or rely on insurance companies to tell them what’s fair. Bad idea.
This tool puts the power back in your hands with:
- Transparency
- Accuracy
- Fast estimates
- Legal context specific to Montana
It’s not a substitute for a lawyer, but it gives you leverage when negotiating or deciding whether to pursue legal representation.
Features That Set This Calculator Apart
- Live Results Display: See a clear breakdown of economic, non-economic, and property damages.
- Fault Bar Warning: Automatically alerts you if your fault percentage disqualifies you.
- Policy Limit Cap: Caps your potential payout based on insurance info—just like real claims.
- Enhanced Accuracy: Additional factors like DUI, witnesses, or pre-existing conditions adjust your estimate to reflect real-world adjustments.
Important Legal Notes
- Montana is an at-fault state. That means the driver who caused the crash (and their insurance) is responsible for your damages.
- If you’re more than 50% at fault, you get nothing. The calculator alerts you if this applies.
- This calculator is for educational and planning purposes only. Final settlements depend on negotiation, documentation, and legal representation.
Try the Montana Car Accident Settlement Calculator Now
If you’ve been in a Montana car crash, don’t wait around wondering what your case might be worth. The Montana Car Accident Settlement Calculator is fast, free, and designed with Montana laws in mind.
Enter your details, get your estimate, and take the next step with confidence.
Calculate Car Accident Settlement Amounts by State with Our Free Calculator
Frequently Asked Questions (FAQ)
Q: Is this calculator accurate?
A: It’s based on real-world formulas used by lawyers and insurance adjusters. But remember—every case is unique.
Q: Can it guarantee what I’ll get?
A: No. It gives an estimated range. Your actual settlement depends on negotiation, documentation, and legal representation.
Q: Should I still talk to a lawyer?
A: Absolutely. Especially if your injuries are moderate or severe. This calculator helps you start the conversation informed.
Q: What if the other driver had no insurance?
A: You may still have a claim through your own uninsured/underinsured motorist coverage. This calculator doesn’t account for that yet.
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