New Mexico Car Accident Settlement Calculator

What Is the New Mexico Car Accident Settlement Calculator?

The New Mexico Car Accident Settlement Calculator is a web-based tool designed to estimate how much you could recover after a crash. It factors in:

• Your economic losses (like medical bills and lost wages)
• Your non-economic damages (like pain and suffering)
• Vehicle damage
• Fault percentage
• Insurance limits
• And other legal variables that can strengthen or weaken your claim

It’s designed around New Mexico law, especially the state’s Pure Comparative Negligence system, which reduces your payout based on your percentage of fault.

How the Calculator Works

Let’s break it down step-by-step. Here’s what you’ll enter into the calculator:

Medical Bills

The total cost of medical care after the crash. This includes ER visits, surgery, rehab, prescriptions, etc.

Lost Wages

If you missed work due to the accident, plug in how much income you lost.

Future Medical Costs

Still healing? Need follow-ups or surgery later? Add those expected costs too.

Vehicle Value & Damage

Enter your car’s value before the crash, then rate how bad the damage is (from minor to totaled). The calculator estimates your property damage payout based on this.

Recovery Days

The longer your recovery time, the more your pain and suffering may be worth.

Injury Severity

Choose from minor injuries (like bruises) to severe ones (like traumatic brain injury). This impacts the multiplier used to estimate non-economic damages.

Percentage of Fault

In New Mexico, you can still recover money even if you were partially at fault. Your settlement will just be reduced based on your fault percentage. For example, if you’re 20% at fault, your payout is reduced by 20%.

At-Fault Driver’s Insurance Limits

This caps how much you can actually collect. The calculator uses New Mexico’s minimum limits:
$25,000 for bodily injury and $10,000 for property damage.

Bonus Factors That May Increase (or Decrease) Your Settlement

• Police report filed
• Independent witnesses
• Represented by an attorney
• DUI involved (at-fault driver)
• Commercial vehicle involved
• Pre-existing conditions (may lower value)

Each of these can slightly adjust your multiplier up or down to reflect real-world settlement trends.

What You Get: Real-Time Settlement Range

Once you fill in your details and hit Calculate, you’ll instantly see:

• Economic damages (hard costs like bills)
• Non-economic damages (pain, suffering)
• Property damage
• Total before fault
• Reduction due to fault
• Final estimated payout

Example Output:
“Estimated Settlement Range: $18,500 – $21,800”

It even shows a full breakdown of each part, so you know exactly where that number comes from.

Why Use a Calculator Like This?

Here’s why this tool is worth your time:

Instant estimate

Get a ballpark figure in under 2 minutes.

Based on real New Mexico law

Factors in comparative fault and minimum insurance limits.

Helps you prepare for negotiations

You’ll know what’s reasonable—and what’s not—when talking to insurers or lawyers.

No guesswork

No need to wonder if you’re leaving money on the table.

Important Note: It’s an Estimate, Not a Final Offer

This calculator gives you an educational estimate, not a guaranteed payout. Real settlements depend on many variables, including:

• Insurance negotiations
• Medical documentation
• Legal representation
• Court rulings (if it goes to trial)

But it gives you a strong starting point—especially if you’re unsure what your claim is worth.

How Fault Affects Your Settlement in New Mexico

New Mexico uses a Pure Comparative Negligence system. That means:

• You can still recover damages even if you’re 99% at fault
• Your award is reduced by your percentage of fault

Example:
If your claim is worth $20,000 but you were 25% at fault, your final payout would be $15,000.

The calculator handles this math for you, so you don’t have to worry about complex formulas.

How to Use the Calculator (In Under 2 Minutes)

1. Enter your medical bills, wage loss, and car damage
2. Rate your injury and fault level
3. Select any extra factors that apply
4. Click “Calculate Settlement”
5. See your estimate instantly

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