How this works
Three steps, no phone number required
Most people arrive here after an insurance adjuster has already named a figure. The point of this page is simple: give you an independent second number, and the reasoning behind it, before you answer.
Gather what you can document
Medical bills and expected future care, wages you actually lost, repair or total-loss figures, and the out-of-pocket costs people usually forget — travel to appointments, braces and devices, paid help at home.
Run the estimator
It applies the multiplier method adjusters commonly use to non-economic damages, then adjusts for your state’s comparative-fault rule and the policy limit that actually caps most claims.
Take the range to a licensed attorney
The output is a discussion range, never a valuation. Bring it to a lawyer licensed in your state — most personal-injury consultations are free and fees are contingent — and let them price the parts a calculator cannot see.
By situation
Guides for your situation
Fault rules, insurance layers and typical evidence differ sharply between these. Start with the one that matches your facts.
Claim Process
Step-by-step guide to filing a traffic accident injury claim.
Settlement Timeline
How long traffic accident claims take from filing to resolution.
What to Do After
Critical steps in the first hours after a traffic collision.
Insurance Tactics
How insurers handle traffic-accident claims and how to respond.
By state
State rules that change what a claim is worth
Comparative fault, filing deadlines, damage caps, minimum liability limits and no-fault requirements are all set state by state. Pick yours.
Fault rules in all 50 states + DC
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
TrafficAccidentLawyer.us is an informational website, not a law firm. It is operated by Mustafa Bilgic, an individual who is not a licensed attorney. Nothing here is legal advice, nothing creates an attorney–client relationship, and no calculator output is a valuation or an offer.
We do not take cases, review documents, contact insurers or refer you to a particular lawyer. Deadlines and fault rules vary by state and a missed deadline can end a valid claim permanently — consult a licensed attorney in your state before you accept, reject or file anything. Your state bar’s referral service and the American Bar Association’s Find Legal Help directory are independent starting points.
Questions
Questions people ask before they answer the adjuster
Does a traffic citation prove the other driver was at fault?
A citation is strong evidence but not automatic proof of civil liability. It shows that law enforcement believed a violation occurred. The insurer can still argue comparative fault or challenge the officer's conclusions. Combined with witness statements and camera footage, a citation significantly strengthens your claim.
How do I get traffic-camera footage of my accident?
Contact the local traffic-management department or the police department that maintains intersection cameras. Many cities require a formal public-records request. Act within the first week because retention periods vary and footage can be overwritten quickly.
What if the police report contains errors?
Most departments allow you to file a supplemental statement correcting factual errors, such as wrong vehicle positions or direction of travel. You generally cannot force the officer to change the narrative, but your supplement becomes part of the official record and can be presented during negotiations or trial.
Can I still recover if I was partly at fault for the traffic accident?
In states that follow comparative-fault rules, your recovery is reduced by your percentage of blame. In the few states that apply contributory negligence, any fault on your part can bar recovery entirely. Knowing your state's rule is essential before entering negotiations.
How long do I have to file a traffic accident claim?
Statutes of limitations are commonly two to three years, but your state's deadline controls — check immediately. Claims against government entities often have far shorter notice windows, and missing the deadline almost always forfeits the claim.
- Sources used across this site: state comparative-fault statutes · Insurance Information Institute · Bureau of Labor Statistics · IRS Pub. 4345 · NHTSA
- Last reviewed 2026-08-25.