Uninsured Motorist Claim Calculator

Claim Calculator

Medical bills

Future medical costs

Past lost wages

Annual future income loss

Future income loss years

Discount rate percent

Vehicle or property damage

Rental, towing, storage

Other out of pocket costs

Pain multiplier

Custom pain amount

Uninsured motorist policy limit

Claimant fault percent

Other driver payment offset

Prior coverage payment offset

Medical liens or reimbursements

Attorney fee percent

Case costs

Success probability percent

Example Data Table

Scenario	Medical Base	Policy Limit	Fault	Estimated Net
Low damage case	$8,000	$25,000	0%	$12,300
Moderate injury case	$23,000	$50,000	10%	$29,050
Policy limit case	$55,000	$50,000	5%	$29,580
High lien case	$30,000	$75,000	15%	$31,700

Formula Used

Future income present value: annual future loss × [1 - (1 + discount rate)^-years] ÷ discount rate.

Economic damages: medical bills + future medical costs + past lost wages + future income present value + property damage + rental, towing, and other costs.

Pain and suffering: custom pain amount if entered. Otherwise, medical base × pain multiplier.

Gross claim value: economic damages + pain and suffering.

Fault adjusted value: gross claim value × (1 - claimant fault percent).

Payable amount: lesser of policy limit or fault adjusted value after offsets.

Net recovery: payable amount - attorney fee - liens - case costs.

Risk adjusted net: net recovery × success probability percent.

How to Use This Calculator

Enter all known accident losses first. Add medical bills, future treatment, wage loss, and property damage. Then enter policy limits, fault percentage, offsets, liens, attorney fee, and case costs. Use the custom pain field when you have a specific non economic demand. Leave it at zero to use the multiplier method. Press calculate to show the result above the form. Use CSV or PDF buttons to save the estimate.

Understanding an Uninsured Motorist Claim

An uninsured motorist claim starts when the at fault driver has no usable liability insurance. Your own policy may step in. The value still depends on proof. Bills, wage records, repair invoices, and medical notes matter.

Why a Calculator Helps

A calculator gives a structured estimate before talks begin. It separates economic loss from non economic loss. It also applies policy limits, fault reductions, liens, and fees. This prevents one large number from hiding important deductions.

Key Damage Inputs

Medical bills usually form the base. Future treatment can increase the claim when supported by a provider. Lost wages show income already missed. Future earning loss estimates reduced work ability. Property damage, rental fees, towing, and other accident costs complete the economic picture.

Pain and Suffering

Pain and suffering is not fixed by one rule. Many adjusters compare it with medical severity, recovery time, permanent limits, and daily disruption. This tool uses a multiplier for planning. You can also enter a custom amount when your review supports it.

Limits and Offsets

Uninsured motorist coverage usually has a maximum limit. The payable amount cannot exceed that limit. Prior payments, tortfeasor payments, or other offsets can reduce the demand. Health insurance liens may also reduce the final net amount.

Fault and Net Recovery

Comparative fault lowers the claim when the injured person shares blame. The calculator applies that percentage before the coverage cap. It then subtracts estimated attorney fees, case costs, and liens. The final line shows a planning estimate, not a guaranteed payment.

Practical Use

Use realistic inputs. Save one version with conservative numbers. Save another version with stronger evidence. Compare both outputs. This helps you prepare questions for an adjuster, lawyer, or claims manager.

Important Reminder

Insurance rules change by state and policy language. Some claims include stacking, arbitration, or special notice deadlines. Always read the policy. Keep organized records. Get professional advice for serious injuries, disputed fault, or large losses.

Better Records Improve Results

A clear file improves negotiations. Add dates, provider names, repair estimates, photos, and mileage logs. Track every payment source. Note missed work hours. Strong records make the estimate easier to explain and defend. Update inputs when new evidence arrives each review.

FAQs

What is an uninsured motorist claim?

It is a claim made under your own coverage when the at fault driver has no usable liability insurance. Your policy terms decide available benefits.

Does this calculator give a legal settlement value?

No. It gives a planning estimate. Actual value depends on evidence, policy language, state rules, deadlines, negotiation strength, and injury proof.

Why does the policy limit matter?

The insurer usually does not pay above the uninsured motorist limit. Strong damages may still be capped by available coverage.

How does the pain multiplier work?

The tool multiplies the medical base by your selected multiplier. Use a higher multiplier only when injury severity and records support it.

What are offsets?

Offsets are payments that reduce the remaining claim. They may include prior coverage payments or money received from another source.

How do medical liens affect recovery?

Liens can reduce the amount you keep after settlement. Enter expected lien repayments to estimate a more realistic net recovery.

What is claimant fault?

Claimant fault is the percentage of blame assigned to the injured person. The calculator reduces gross value by that percentage.

Should future losses be included?

Include future losses only when they are supported by reliable records, provider opinions, wage proof, or reasonable projections.