Oklahoma Car Accident Settlement Calculator
Estimate your potential settlement based on Oklahoma 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. Under Oklahoma’s “Modified Comparative Negligence” (51% Bar) law, you are barred from *any* recovery if your fault is 51% or greater. Under the “Pay to Play” law, you may be barred from non-economic damages if you were uninsured.
What Is the Oklahoma Car Accident Settlement Calculator?
The Oklahoma Car Accident Settlement Calculator is an interactive tool that helps drivers and passengers estimate compensation after a crash.
It takes into account real-world factors that affect settlement values, such as:
- Medical bills and future medical care
- Lost wages during recovery
- Property damage to your vehicle
- Fault percentage
- Insurance limits
- Injury severity
- Whether you were insured at the time of the accident
The calculator follows Oklahoma-specific laws, including:
- Modified Comparative Negligence (51% Bar Rule) — If you’re 51% or more at fault, you can’t recover damages.
- Pay-to-Play Law (47 O.S. § 7-116) — If you were uninsured, you can’t recover non-economic damages (like pain and suffering).
In other words: this calculator isn’t generic. It’s tailored to Oklahoma law — making your estimate far more accurate than a national average calculator.
How the Calculator Works
The Oklahoma settlement calculator uses a mix of your input data and legally grounded formulas to estimate your settlement range.
Here’s what it factors in:
1. Economic Damages
These are your out-of-pocket expenses:
- Medical bills
- Lost wages
- Future medical costs
The calculator adds these up for your base economic damages.
2. Non-Economic Damages
These represent pain, suffering, and emotional distress.
The calculator multiplies your medical-related expenses by an injury severity multiplier based on the type of injury:
| Injury Level | Example | Multiplier |
|---|---|---|
| Minor | Whiplash, bruises | 1.5× |
| Moderate | Broken bones, concussion | 2.5× |
| Significant | Herniated disc, surgery | 3.5× |
| Severe | Spinal injury, TBI | 5.0× |
Additional factors — like DUI involvement, commercial vehicles, or long recovery times — increase the multiplier.
Pre-existing conditions may lower it slightly.
Note: If you were uninsured, the calculator automatically removes pain and suffering damages per Oklahoma’s Pay-to-Play law.
3. Property Damage
The tool estimates property loss using your vehicle’s pre-accident value and damage severity (from “Minor” to “Totaled”).
It caps your payout based on the at-fault driver’s property damage policy limit (usually $25,000 in Oklahoma).
4. Fault Percentage
Under Oklahoma’s Modified Comparative Negligence rule:
- If you’re less than 51% at fault, your settlement is reduced by your fault percentage.
- If you’re 51% or more at fault, you get nothing.
For example:
If your total damages are $50,000 but you’re 20% at fault, your payout drops to $40,000.
5. Insurance Limits
Even if your claim value is higher, your final payout can’t exceed the at-fault driver’s policy limits.
For most Oklahoma drivers, that’s:
- $25,000 for Bodily Injury (BI)
- $25,000 for Property Damage (PD)
If your damages exceed these limits, your recovery is capped unless you pursue additional uninsured/underinsured coverage or file a personal lawsuit.
Example: How the Calculator Estimates Your Payout
Let’s say you enter the following:
- Medical Bills: $8,000
- Lost Wages: $2,000
- Future Medical: $3,000
- Recovery Days: 60
- Vehicle Value: $15,000
- Injury Level: Moderate (2.5× multiplier)
- You’re insured
- Fault: 10%
- Policy Limits: $25,000 BI / $25,000 PD
You also check “Police Report Filed” and “Attorney Represented.”
The calculator might show:
Estimated Settlement Range: $22,000 – $26,000
That includes both your injury damages and your vehicle’s property damage (minus 10% for fault).
Why Use This Calculator?
Here’s why this tool stands out:
- Fast and easy — Estimate your case value in under 2 minutes.
- Oklahoma-specific — Reflects state negligence and insurance laws.
- Transparent math — See exactly how your damages are calculated.
- Educational — Understand what impacts your payout before talking to a lawyer.
It’s a great starting point for accident victims who want clarity before filing a claim or hiring an attorney.
Important Legal Notes
While the calculator gives you a close estimate, remember:
- It’s not legal advice.
- Real settlements depend on evidence, insurance negotiations, and legal representation.
- Severe injuries or disputed fault can change the outcome dramatically.
If your accident involved major injuries, a DUI driver, or a commercial vehicle, it’s wise to talk to a car accident lawyer. They can often recover more than basic insurance limits through deeper claims or litigation.
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