Hawaii Car Accident Settlement Calculator

What Is the Hawaii Car Accident Settlement Calculator?

The Hawaii Car Accident Settlement Calculator is an online form designed to give you a quick and realistic estimate of your accident settlement. It’s built using a simple interface, but under the hood, it mirrors how insurance adjusters and attorneys evaluate claims.

You plug in your details — and it breaks it all down:

• Economic damages (like medical bills and lost income)
• Non-economic damages (like pain and suffering)
• Vehicle damage
• Your level of fault
• Policy limits that may cap your recovery

It’s fast, free, and surprisingly accurate for a first-look estimate.

How Does the Calculator Work?

The calculator uses a formula tailored to Hawaii’s no-fault and comparative negligence laws. Here’s how it works:

1. Input Your Basic Costs

You’ll be asked to enter:

• Medical bills
• Lost wages
• Future medical expenses
• Pre-accident vehicle value

These build the foundation of your economic damages.

2. Rate the Severity

The more serious your injuries and property damage, the higher the multiplier used to calculate non-economic damages.

• Injuries are rated from minor (whiplash) to severe (TBI, spinal injury).
• Vehicle damage is rated on a scale from minor to totaled.

3. Threshold Check

Hawaii follows a “serious injury threshold” rule. You can only claim pain and suffering if:

• Your medical bills exceed $10,000 or
• You’ve suffered permanent injuries

If you don’t meet this threshold, your non-economic damages are set to $0 — which can make a massive difference.

4. Factor in Fault

Hawaii uses a modified comparative negligence rule. If you’re:

• 50% or less at fault: You can recover damages, reduced by your % of fault.
• 51% or more at fault: You get nothing. Period.

The calculator auto-blocks any claim if your fault percentage is 51 or higher.

5. Insurance Limits Apply

Even if your damages are high, the other driver’s insurance limits can cap your payout. The calculator considers:

• Bodily Injury (BI) limits
• Property Damage (PD) limits

If your damages exceed those, you may need to sue personally or seek underinsured motorist coverage.

6. Other Factors

The tool adjusts for key extras:

• DUI involvement
• Commercial vehicles
• Attorney representation
• Police reports and witnesses
• Pre-existing conditions

Each one nudges your multiplier up or down, simulating how real-world adjusters value your case.

What the Calculator Shows You

Once you click “Calculate”, the tool shows:

• Estimated settlement range
• A full breakdown of:
  • Economic damages
  • Non-economic damages
  • Property damage
  • Pre-fault total
  • Fault reduction
  • Final estimated payout

And yes, there’s a disclaimer: It’s an estimate — not legal advice. But it’s one of the closest online tools to how real values are calculated.

Why This Calculator Is So Helpful

Here’s what sets this calculator apart:

Built for Hawaii Law

It follows Hawaii’s no-fault insurance system and 51% bar rule, which most generic calculators ignore.

Real-World Accuracy

From multiplier adjustments to policy cap enforcement, it reflects how insurance companies really think.

Transparent

Every line item is broken down. You see where the numbers come from, not just a mystery total.

Plain English

No legalese. No jargon. Just clear questions and simple math.

Who Should Use This Calculator?

• Injured drivers or passengers in Hawaii
• People considering filing a claim or lawsuit
• Anyone curious about what their case might be worth
• Attorneys or paralegals needing a quick pre-consultation tool

Even if you already have a lawyer, this tool can help validate your expectations.

A Few Things the Calculator Won’t Do

• It doesn’t file a claim for you.
• It doesn’t guarantee a result.
• It doesn’t replace a qualified personal injury attorney.

Still, it’s a powerful first step. You get data — fast — to help you decide whether it’s worth pursuing your case further.