Disclaimer
Last updated: June 10, 2026. Please read this disclaimer carefully before relying on any estimations generated by FreeInjuryCalc.com.
1. Educational & Illustrative Models Only
All mathematical calculations, dollar figures, and settlement ranges generated by FreeInjuryCalc.com (including state-specific car accident calculators, whiplash calculators, back/neck injury calculators, workers' comp benefits calculators, and diminished value calculators) are intended strictly for educational and illustrative purposes.
These results represent automated mathematical modeling based on user inputs and generic statistical formulas (such as the standard 1.5x–5x medical bill multiplier or the 17c diminished value cap). They do not reflect the actual, guaranteed settlement value of any real personal injury claim.
No Attorney-Client Relationship
Your use of this website, its calculator modules, contact forms, or communication emails does not create an attorney-client relationship between you and FreeInjuryCalc, its developers, or its editorial board. None of the contents written on this platform constitute formal legal representation, advocacy, or advice.
2. Realities of Insurance Claims Valuations
In the real world, insurance companies (such as State Farm, Progressive, GEICO, and Allstate) do not evaluate bodily injury claims using simple, public-facing multipliers. Instead, they rely on proprietary claims assessment software systems (like Colossus or TEACH).
These software programs evaluate claims by processing highly granular inputs, including medical billing codes, diagnostic proof (e.g. objective MRI scans showing herniated discs vs. subjective soft-tissue neck stiffness), duration of treatment gaps, geographic venue, and the defense attorney's trial record. Consequently, actual insurance offers may be significantly lower or higher than the calculations generated by our automated tool.
3. Limitation of Liability
Under no circumstances will FreeInjuryCalc, its parent entities, developers, or legal editors be held liable for any decisions made, actions taken, or losses incurred in reliance on the calculations or contents of this website. If you are negotiating an active insurance claim, you assume full responsibility for your actions. We strongly recommend hiring a licensed, practicing personal injury attorney in your state or province to receive a personalized evaluation of your case.