About ClaimCalc
ClaimCalc is an independent editorial site that helps people estimate personal injury settlement value using the same multiplier method adjusters and personal injury attorneys actually use. We are not a law firm. We don't take cases. We make money through legal-directory affiliate referrals and, eventually, display ads — both disclosed below.
What we publish
Every page on the site falls into one of three categories:
- Calculators — interactive estimators that run entirely in your browser. We don't collect, store, or transmit the numbers you enter. There is no signup, no email gate, no tracking pixel beyond standard analytics.
- Guides — long-form articles explaining methodology, state law, common mistakes, and case timelines. Every numeric claim links to a primary source (NHTSA, BJS, IRC, IRS, state statutes).
- Vertical pages — dedicated calculators for the five most common case types (car accident, dog bite, neck injury, slip and fall, workplace injury), each with case-specific logic.
Who writes this
ClaimCalc is produced by an editorial team with backgrounds in personal injury claims handling, paralegal work, and consumer-facing legal education. We do not publish individual bylines because the work is collective — research, drafting, review, and verification are split across multiple people on every guide. Every page is reviewed against our editorial checklist before publication.
We attribute content to "ClaimCalc Editorial Team" rather than to invented individuals. We think that's more honest than inventing attorneys who haven't reviewed the page. If you need to reach an actual person, the contact page goes to a real human.
What sources we use
Every numeric or factual claim in our calculators and guides traces back to one of these:
- Bureau of Justice Statistics — civil justice survey data (median and mean settlements)
- Insurance Research Council (IRC) — auto injury claims studies, representation premium
- NHTSA — crash data, fatality statistics, no-fault state classifications
- Insurance Information Institute (III) — homeowners insurance data, dog bite payouts
- IRS — Publication 4345 on settlement taxability
- American Bar Association — practice surveys, contingency fee norms
- Jury Verdict Research — verdict ranges by injury type (subscription database)
- Martindale-Nolo — claimant settlement survey (2020)
- NCCI — workers' compensation lost-time payout data
- State statutes and codes — statute of limitations, comparative negligence rules, damage caps (cited per state in the methodology guide)
How the multiplier method works here
Our calculators implement the industry-standard multiplier method: total medical bills × severity multiplier = pain and suffering. The severity bands (1.5×–10×) come from Nolo's negotiation guides and from defense-side claims-training materials, both of which describe the same convention. We don't invent multipliers. We don't fudge the math. The worked example for any case is reproducible by hand.
Where our calculators diverge from competitors is in the warnings layer. We surface state-specific issues (contributory-negligence bars, no-fault thresholds, statute of limitations countdown) and case-specific issues (negative imaging in soft-tissue, suspicious future medical estimates, first-offer lowballing) that most "free settlement calculator" sites omit because they're funnels for law firms.
What we don't do
- We don't give legal advice. Nothing on this site is legal advice. Every page carries a disclaimer; the full disclaimer is on its own page.
- We don't store your inputs. Calculators run client-side. Numbers you type stay in your browser.
- We don't share or sell data. We don't have data to sell. There is no signup, no email collection.
- We don't invent statistics. If a number appears on the site without a source, it's a bug — please tell us.
- We don't publish fake attorney testimonials or fabricated case studies. Our worked examples cite actual settlement patterns from published verdict databases, not "John D. from Ohio" stock-photo testimonials.
How we make money
Two revenue sources, both disclosed:
- Legal directory affiliate links. When you click "Find attorneys" buttons at the end of pages and ultimately sign up with one of the partner directories (LegalMatch, Martindale-Hubbell, FindLaw), we receive a referral fee. Links are tagged with UTM parameters so we can measure outcomes. We do not sell your information to attorneys directly — the directories do that on their own terms.
- Display advertising (planned). We are not currently running display ads. When and if AdSense is approved for this domain, ads will appear in clearly delineated slots — never blocking the calculator, never interrupting the reading flow.
How to reach us
Corrections, source disputes, story tips, partnership inquiries: email editor@claimcalc.app. The contact page has the form. We read everything.