Missouri Car Accident Settlement Calculator

What the Missouri Car Accident Settlement Calculator Does

The Missouri Car Accident Settlement Calculator gives you an estimated settlement range based on the key details of your accident. It’s designed to account for both economic and non-economic damages, as well as Missouri-specific legal rules.

When you enter your numbers — like medical bills, lost wages, and vehicle damage — the calculator runs through a formula based on common settlement patterns used by insurers, attorneys, and courts in Missouri.

In plain terms:
It helps you see what your car accident case might be worth before you ever speak to a lawyer or file a claim.

How the Calculator Works (Step-by-Step)

Here’s a simple breakdown of what happens when you click “Calculate Settlement.”

1. Economic Damages (Tangible Losses)

These are the real, out-of-pocket costs you’ve faced:

• Medical Bills (hospital stays, physical therapy, prescriptions)
• Lost Wages (income you missed while recovering)
• Future Medical Expenses (expected ongoing treatment)

The calculator adds these up for your base economic damages.

2. Non-Economic Damages (Pain & Suffering)

Next, the calculator applies an injury severity multiplier to estimate your pain and suffering damages.

For example:

This multiplier increases based on aggravating factors such as:

• DUI by the at-fault driver
• Commercial vehicle involvement
• Having an attorney
• Police report or witnesses supporting your claim

If your recovery lasts longer than 90 days, the multiplier increases even more.

Vehicle Damage and Property Claims

The calculator also estimates property damage to your vehicle.
You’ll enter your car’s pre-accident value and choose how severe the damage is (from “minor” to “totaled”).

If your car is totaled, you’ll see the full pre-accident value as your property damage amount.
If it’s repairable, you’ll see a percentage based on the severity level.

Missouri Laws That Affect Your Settlement

Here’s where this calculator stands out — it’s tailored to Missouri’s unique accident laws.

1. Pure Comparative Negligence

Missouri follows the “pure comparative negligence” rule.
That means your settlement is reduced by your percentage of fault — but not eliminated.

Example:
If your total damages are $50,000 and you were 20% at fault, your payout would be $40,000.

The calculator automatically adjusts your estimate based on your fault percentage.

2. “No Pay, No Play” Law (RSMo § 303.390)

If you were uninsured at the time of the accident, Missouri law bars you from collecting non-economic damages (like pain and suffering).

That’s a big deal — and the calculator shows this automatically.
If you mark “No” for insurance, it displays a notice that you’re limited to economic damages only.

3. Insurance Policy Limits

Your final payout is also capped by the at-fault driver’s insurance policy limits.

For most Missouri drivers, the minimum coverage is:

• $25,000 for bodily injury per person
• $50,000 per accident total
• $25,000 for property damage

Even if your calculated damages exceed these numbers, your payout can’t go beyond what’s covered — unless other assets or policies apply.

The calculator keeps this in check by limiting your final estimate to those insurance caps.

What the Results Mean

When you hit “Calculate,” you’ll see a settlement range — a low and high estimate.

Example:

Estimated Settlement Range: $18,000 - $21,000

You’ll also get a breakdown:

• Economic Damages (medical + lost wages + future medical)
• Non-Economic Damages (pain and suffering)
• Property Damage
• Fault Reduction
• Final Payout Estimate

It’s not a legal quote — but it’s a powerful benchmark. You’ll understand what insurers or attorneys might consider realistic before you start negotiating.

Important Disclaimer

The calculator provides an educational estimate only — not legal advice.
Actual settlements depend on:

• The quality of your evidence (medical reports, police reports, witness statements)
• The experience of your attorney
• The insurer’s negotiation stance
• And sometimes, the county or court where the claim is filed.

Always consult with a Missouri personal injury lawyer before accepting or rejecting any settlement offer.

Why Use a Missouri-Specific Calculator?

Generic settlement calculators don’t account for Missouri’s rules.
This tool is different — it:

• Applies the Pure Comparative Fault formula
• Enforces No Pay, No Play restrictions
• Recognizes state insurance minimums
• Includes realistic multiplier adjustments for injuries, recovery time, and evidence strength

In other words, it’s built for Missouri drivers, by people who understand Missouri law.

Pro Tip: How to Get a More Accurate Estimate

To get the best result:

1. Gather all medical bills and wage records.
2. Estimate future treatment realistically.
3. Enter your actual vehicle value (use Kelley Blue Book).
4. Be honest about fault percentage.
5. Check boxes for all factors that apply (DUI, police report, etc.).

Then use the result as a starting point for your claim discussions or attorney consultation.

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