Auto Accident Claim Calculator

Auto Accident Claim Calculator

An auto accident claim calculator is one tool that can help you determine how much you should reasonably expect to receive when you've been involved in a serious car accident.

Minor fender benders aren't really subject to much of a car accident compensation claim if no injuries were involved.

Don't be surprised if you are offered the basic cost of repairs and nothing more.  Sadly, some insurance companies may even try to wriggle out of paying for those minimal losses. 

If you've paid for your auto insurance coverage, don't let them!  ;) 

Every car crash claim is different.  Oh, your claim may seem typical or standard, but if the financial loss is great, you can be sure that your claim is unique unto itself.

There isn't an auto accident claim calculator available that will ask a few questions and instantly pop out a dollar amount that you should receive from your car crash claim.

It's much more complex than that!  In reality, there are numerous variables and only somewhat vague standards that you can follow to help you determine what you should aim for when negotiating your claim with an auto claim adjuster.

Probably the most popular baseline used by people these days to figure out what their car accident compensation claim should be worth is referred to as the Baldyga Auto Accident Settlement Evaluation, also known as the BASE Formula.

This is a formula laid out by a guy named Daniel Baldyga who was a claims manager for many years at one of the country's major insurance agencies.  He goes into some great detail on how you can be sure to get the best results with your car crash claim.

His auto accident claim calculator begins with a basic foundation.  Let me give you an example so you can see what I mean.  I'll work in round numbers just to make the calculations easy to see:

        If you were in a car accident, you calculate your provable damages above and beyond your property damage (which is calculated separately).  This would include the following...

  • Ambulance
  • Emergency Room
  • X-Rays
  • Doctors Bills
  • Prescriptions
  • Medical Equipment (heating pad, etc)
  • Lost Wages

Let's pretend the totals (and you've kept all of your receipts) have come to $5000.   Here's where the car accident claim calculator comes in.


Low Value

Core Value

Mean Value

Premium Value






Base Value





This little calculation gives you a starting point for your personal injury claim when dealing with an auto insurance claims adjuster

But how do you know where on the chart your own predicament falls?  Good question! 

Most people can start at the "Core Value" and work up or down from there.  The more facts and evidence you have for your case, the better chance you have of getting the most value out of your claim.

Keep records and photos of EVERYTHING!

If you have a great driving record, a good standing in the community, and detailed evidence (photos of bruising and injuries, pictures of the accident, police report detailing that the "other guy" was at fault, etc), you have every right to claim the most compensation available.

If you're the one who was at fault and/or can't supply any of the relevant facts or evidence of your situation and losses, you may as well start dropping that figure by a large margin.  That's just the way it is.

If you've got the evidence to back up your claim, stand your ground and insist on your fair compensation claim.  Don't be intimidated or bullied by the claims adjuster and don't be afraid of the matter going to court.  That will most likely not happen, because if it did it would probably go in your favor, which would be even more expensive for the insurance company.

Still not sure about your auto accident claim?  You may want to get one or more of these excellent books that will make a huge difference in your knowledge and confidence when arguing your case with the insurance company.

I hope these tips on the auto accident claim calculator have been helpful to you and that you get a great result! Be careful out there on those roads. ;)

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