Wisconsin Car Accident Settlement Calculator

What Is the Wisconsin Car Accident Settlement Calculator?

The Wisconsin Car Accident Settlement Calculator is an interactive tool that estimates your possible car accident settlement using factors like:

• Medical expenses
• Lost income
• Vehicle damage
• Injury severity
• Your percentage of fault
• At-fault driver’s insurance limits
• Additional legal or evidentiary factors

It’s built around real legal principles, including Wisconsin’s Modified Comparative Negligence Rule, which limits or blocks your recovery if you were mostly at fault.

How Wisconsin Law Affects Settlements

Before diving into the numbers, it’s crucial to understand the legal rule this calculator follows:

Wisconsin’s 51% Bar Rule

If you are 51% or more at fault, you cannot recover any damages. At all.

If you are 50% or less at fault, your settlement is reduced by your percentage of fault.

Example:

• Claim value: $100,000
• Your fault: 20%
• Final payout: $80,000

The calculator handles this math for you instantly.

How the Calculator Works (Behind the Scenes)

Let’s break down how the tool calculates your estimated settlement:

1. Economic Damages

These are your real, out-of-pocket expenses:

• Medical Bills
• Future Medical Care
• Lost Wages

Formula:
Medical + Lost Wages + Future Medical = Economic Damages

2. Non-Economic Damages

These are harder to quantify—like pain, suffering, or emotional distress. The calculator uses a multiplier method based on injury severity and other factors.

Sample multipliers:

• Minor injury: ×1.5
• Moderate: ×2.5
• Severe (surgery, spinal injury): ×5.0

Then the tool adjusts the multiplier based on:

• DUI involved (+1.0)
• Commercial vehicle (+0.5)
• Attorney represented (+0.2)
• Police report / witness support (+0.3)
• Long recovery (+0.5 if >90 days)
• Pre-existing conditions (–0.5 penalty)

Formula:
(Medical + Future Medical) × Adjusted Multiplier = Non-Economic Damages

3. Property Damage

If your vehicle was damaged or totaled, this tool estimates how much you’ll recover.

• Uses your car’s pre-accident value
• Adjusts for damage severity (slider: Minor → Totaled)

Then, it applies your fault percentage to reduce your payout.

4. Insurance Limits

Your total payout is capped by the at-fault driver’s insurance policy:

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

Even if your damages are higher, the calculator won’t exceed these limits in the estimate.

How to Use the Calculator (Step-by-Step)

1. Enter Your Expenses
   • Medical bills, lost wages, future treatment
2. Enter Vehicle Details
   • Car’s pre-accident value
   • Damage severity (1–5 scale)
3. Injury Type
   • Select your injury level (whiplash, broken bones, surgery, etc.)
4. Enter Fault
   • Your percentage of fault (0–100)
5. Policy Limits
   • Usually default to $50,000 (BI) and $15,000 (PD)
6. Check Extra Factors
   • Police report filed?
   • DUI involved?
   • Commercial vehicle?
   • Represented by attorney?
7. Click “Calculate”
   • Get a full breakdown with:
     • Economic + Non-Economic Damages
     • Property payout
     • Fault deduction
     • Final estimated range (low to high)

What If You’re Over 50% At Fault?

This is where many people get caught off guard.

If you’re 51% or more at fault, you get nothing.
The calculator will instantly warn you and return $0—because Wisconsin law completely bars your recovery in that case.

What the Calculator Gives You

You’ll get a clear, easy-to-understand summary including:

• Total Estimated Settlement Range
• Breakdown by Damage Type
• Pre-Fault and Post-Fault Calculations
• Final Payout (After Fault + Insurance Caps)

Plus, there’s a disclaimer reminding you that this is just an estimate—not legal advice.

Should You Use This Tool?

Absolutely. Here’s why:

It’s fast.

Instant calculation, no forms or email signups.

It’s smart.

Takes Wisconsin laws into account, including fault rules and insurance caps.

It’s realistic.

Factors in real-world conditions like DUI, police reports, and whether you hired a lawyer.

It’s free.

Use it as often as you like. Share it with friends or family who’ve been in an accident.

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