Broken Bone Settlement Calculator for Car Accidents

A broken bone is one of the clearest injuries to prove. It shows up on an X-ray, it has a known treatment and it comes with obvious limits on daily life. That is why fracture claims are often valued higher than soft tissue claims with similar medical bills.

Estimate your broken bone claim

The calculator is preset to serious, the usual category for fractures. Pick moderate for a simple fracture that healed quickly, or severe if you have lasting limits.

Medical bills so far

$

The billed amount from your ER, doctor, imaging and therapy bills.

Future medical costs optional

$

Only if a doctor has said you need more treatment.

Lost wages optional

$

Pay you missed because of the injury, including used sick days.

Car repair or property damage optional

$

Shown separately. It is usually settled on its own, often sooner.

How serious is the injury?

MinorSoft tissue, sprains, a few weeks of treatment. Multiplier 1.5 to 2. ModerateMonths of treatment, physical therapy, some missed work. Multiplier 2 to 3. SeriousFractures, injections or surgery, long recovery. Multiplier 3 to 4. SeverePermanent injury, major surgery, lasting limits on daily life. Multiplier 4 to 5.

State where the accident happened Choose your stateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Each state treats shared fault differently. This can change everything.

Your share of the fault

%

Use 0 if the other driver was fully to blame. Be honest here; the insurer will be.

The other driver's bodily injury limit optional

$

The per-person limit, if you know it. Insurers rarely pay more than the policy limit, no matter what the claim is worth.

Estimate my claim

What affects the value of a fracture claim

Factor	Why it matters
Type of fracture	A simple break heals more predictably than a compound or comminuted (shattered) fracture
Which bone	Leg, hip and spine fractures affect walking and work more than a finger or toe
Surgery	Plates, screws or rods usually mean higher bills, longer recovery and a higher multiplier
Healing time	Many fractures take six weeks or more to heal, with therapy after
Lasting effects	Arthritis, reduced motion or hardware that needs removal later add value

The recovery timeline matters

Recovery from a fracture often includes a cast or splint, follow up X-rays, and physical therapy to rebuild strength and range of motion. Keep a record of each stage: the weeks you could not drive, work or care for your family are central to pain and suffering.

Future medical costs

Ask your doctor whether you may need hardware removal, more therapy, or treatment for arthritis later. Future costs belong in your claim, and they are easy to forget if you settle too early. Add them in the "future medical costs" field above.

Policy limits often cap fracture claims

A fracture with surgery can easily exceed a minimum policy like $25,000 per person. If the at-fault driver's limit is low, look at your own underinsured motorist coverage. Enter the limit in the calculator to see the practical ceiling.

Frequently asked questions

What is a broken bone worth in a car accident settlement?

It depends on the bone, the treatment and the recovery. Fractures with surgery and lasting effects are worth much more than simple breaks. Use the calculator with your own bills.

Is a broken bone a serious injury in a no-fault state?

In many no-fault states a fracture meets the serious injury threshold, which allows a pain and suffering claim. Check your state’s rules.