St. Augustine's Largest Law Group
Florida Personal Injury Settlement Calculator
Estimate the Potential Value of Your Injury Claim
Free Personal Injury Calculator | St. Johns Law Group
Disclaimer: This calculator is designed for educational purposes only. Every personal injury case is unique, and no calculator can accurately predict the value of a claim. Insurance coverage, liability, comparative negligence, future medical needs, available evidence, and many other factors affect settlement value. Use this tool as a starting point—not legal advice.
Florida Personal Injury Settlement Calculator
Wondering what your injury case may be worth?
After an accident, one of the first questions people ask is:
“How much is my personal injury case worth?”
Our Florida Personal Injury Settlement Calculator provides a general estimate using information you provide.
Estimate the Potential Value of a Florida Injury Claim
The value of a personal injury claim may depend on medical expenses, future treatment, lost income, permanent impairment, pain and suffering, comparative fault, insurance coverage and the strength of the available evidence.
Use the calculator below to generate a broad educational estimate. The result is not a settlement offer, legal opinion or guarantee of recovery.
Florida Personal Injury Tool
Personal Injury Settlement Estimator
Receive a broad educational estimate based on medical expenses, lost income, injury severity, comparative fault, liability evidence, and available insurance coverage.
A St. Johns Law Group Interactive Legal Resource
No registration required
Browser-based calculation
Mobile-friendly
Educational estimate
Step 1
Tell us about the accident
Select the claim type that most closely matches your situation.
The date is used to calculate medical-care and lawsuit deadlines automatically in Step 5.
Government and medical-malpractice claims have special notice and presuit rules.
Enter the accident or injury date before continuing.
Step 2
Estimate your financial losses
Enter current and reasonably anticipated losses. Leave any field blank when it does not apply.
$
Hospital, physician, therapy, medication, imaging, and related care.
$
Future treatment, surgery, rehabilitation, medication, or care.
$
Wages, commissions, overtime, or documented business income.
$
Use a conservative estimate unless supported by expert analysis.
$
Vehicle or personal-property loss not already reimbursed.
$
Transportation, household help, equipment, or similar costs.
Enter at least one financial loss before continuing.
Step 3
Describe the injury’s impact
These inputs help generate a broad noneconomic-damages estimate. They are not a medical or legal evaluation.
Step 4
Consider fault and insurance
Liability disputes and available insurance may substantially affect practical recovery.
Step 5
Your educational estimate
This is a broad range based on the information entered and generalized assumptions.
Estimated claim-value range
$0 – $0
This is not a settlement prediction or legal opinion.
Economic damages$0
Noneconomic range$0 – $0
Comparative fault0%
Coverage enteredUnknown
Medical-care deadlineNot calculated
Lawsuit deadlineNot calculated
Factors affecting your estimate
Claim strength snapshot
Estimated claim strengthModerate
Coverage visibilityNeeds investigation
Automatically Calculated Deadlines
Florida Injury Deadline Calculator
Based on the accident date and claim category entered in Step 1, this section estimates the 14-day PIP medical-care window for qualifying motor-vehicle accidents and the general deadline for filing a Florida lawsuit.
Medical-care deadline
Not calculated
The 14-day PIP treatment window generally applies only to qualifying Florida motor-vehicle claims.
Estimated lawsuit deadline
Not calculated
The applicable limitations period depends on the claim type, accrual date, and special procedural rules.
Speak with Attorney Josh Saxon
Attorney Josh Saxon represents injured clients in personal injury and civil litigation matters throughout St. Augustine, St. Johns County, and Northeast Florida. A consultation can address liability, medical evidence, coverage, future damages, and litigation strategy that an online calculator cannot evaluate.
Legal disclaimer: This estimator is provided solely for general educational and informational purposes.
It does not provide legal advice, create an attorney-client relationship, guarantee a result, or predict a settlement
or verdict. The calculations and calendar dates are based on generalized assumptions that may not apply to a particular case. A displayed deadline may be shortened, extended, tolled, subject to a different accrual date, or displaced by notice and presuit requirements. Actual value
and recoverability depend on liability, causation, evidence, medical opinions, pre-existing conditions, comparative fault,
insurance terms and limits, collectible assets, liens, subrogation claims, litigation expenses, applicable law, and the
decisions of insurers, judges, and juries. Do not delay seeking legal advice or medical treatment because of information
generated by this tool.
© 2026 St. Johns Law Group. This calculator and its original content, design, and customized functionality are protected to the extent permitted by law. Unauthorized reproduction or commercial reuse is prohibited.
How Does Florida Value Personal Injury Cases?
Generally, damages fall into two categories.
Economic Damages
These are measurable financial losses.
Examples include:
- Emergency room bills
- Ambulance charges
- Surgery
- Hospitalization
- Rehabilitation
- Physical therapy
- Prescription medications
- Lost wages
- Future wage loss
- Property damage
- Travel expenses
- Home modifications
- Medical equipment
Non-Economic Damages
These compensate for losses that are harder to calculate.
Examples include:
- Pain and suffering
- Emotional distress
- Anxiety
- Depression
- Loss of enjoyment of life
- Permanent disability
- Disfigurement
- Scarring
- Loss of consortium
Factors That Increase Settlement Value
Some claims are worth substantially more because of:
- Permanent injuries
- Surgical treatment
- Multiple surgeries
- Long-term disability
- Brain injuries
- Spinal cord injuries
- Significant lost wages
- Permanent impairment ratings
- Future medical care
- Clear liability
- High insurance policy limits
Factors That Can Reduce Settlement Value
Settlement values may decrease when:
- Liability is disputed
- There are gaps in treatment
- Medical records are inconsistent
- Injuries are minor
- Pre-existing conditions complicate the claim
- Comparative negligence applies
- Insurance limits are low
Florida Comparative Negligence
Florida follows a modified comparative negligence system. If an injured person is more than 50% responsible for the accident, they generally cannot recover damages in a negligence action. If they are 50% or less responsible, any recovery is reduced by their percentage of fault.
Example:
Total damages:
$250,000
20% at fault
Estimated recovery:
$200,000
An experienced attorney can often challenge allegations that unfairly assign fault to an injured person.
Insurance Limits Matter
Even if a jury awards substantial damages, recovery may depend on available insurance or collectible assets.
Potential sources include:
- Bodily injury liability insurance
- Commercial policies
- Umbrella coverage
- Uninsured/Underinsured Motorist (UM/UIM) coverage
- Employer liability policies
- Governmental claims (subject to statutory limits and procedures)
A thorough investigation may identify additional coverage that is not immediately obvious.
Common Injury Types
This calculator can help estimate claims involving:
- Car Accidents
- Truck Accidents
- Motorcycle Accidents
- Bicycle Accidents
- Pedestrian Accidents
- Slip and Falls
- Dog Bites
- Boating Accidents
- Golf Cart Accidents
- Uber & Lyft Accidents
- Construction Accidents
- Wrongful Death
Frequently Asked Questions:
Is this calculator accurate?
No. It provides only a rough estimate based on the information entered. Every case depends on its specific facts.
Can a lawyer increase the value of my claim?
In many cases, yes. An attorney can identify all available damages, investigate additional insurance coverage, negotiate with insurers, and, when appropriate, pursue litigation to seek full compensation.
Does surgery increase settlement value?
Surgery often increases the value of a claim because it typically reflects a more serious injury, but every case is different.
Does Florida have damage caps?
Most negligence claims in Florida do not have general caps on compensatory damages, although certain claims—such as some involving governmental entities—may be subject to statutory limitations.
How long does a personal injury claim take?
Some claims settle within months, while others—especially those involving serious injuries or litigation—can take a year or more.
What if I was partly at fault?
You may still have a claim if you are not more than 50% responsible, but your recovery may be reduced by your percentage of fault.
Can this calculator tell me exactly what my case is worth?
No. It cannot evaluate witness credibility, disputed liability, future medical evidence, or insurance coverage issues. It is intended only as an educational tool.
Why Choose St. Johns Law Group?
At St. Johns Law Group, we understand that every personal injury case is unique. Our attorneys investigate the facts, preserve evidence, work with medical and financial experts when needed, negotiate aggressively with insurance companies, and prepare every case as though it may proceed to trial. That trial-ready approach can strengthen your position during settlement discussions while ensuring you are prepared if litigation becomes necessary.
Whether you were injured in a motor vehicle collision, slip and fall, boating accident, or another negligence-related incident, our team is committed to helping you pursue the compensation available under Florida law.
Schedule a FREE Consultation
If you have been injured in an accident, don’t rely solely on an online calculator.
Speak with an experienced Florida personal injury attorney at St. Johns Law Group for a free consultation. We will evaluate your case, explain your legal options, identify potential sources of recovery, and provide a realistic assessment based on the specific facts of your claim.
Call (904) 495-0400 today for a free consultation.
At St. Johns Law Group, we are committed to delivering the Dedicated & Responsive Service® you deserve.
Contact Us:
- 104 Sea Grove Main Street | St. Augustine, Florida 32080
