Insurance companies as well as personal injury attorneys have a general recipe they rely on in order to come up with a starting number to get the negotiating started. The formula they follow in order to calculate your whiplash settlement is the same we have in our whiplash calculator. The easiest way to calculate your whiplash settlement is to add up the following items together:

  • Medical expenses
  • Wages lost during recovery time
  • Property damages
  • Estimated future medical expenses

Once all of the above has been added, a multiplier is applied to the sum of all the expenses added above. That multiplier is usually a 1-5 and represents the pain and suffering from the injuries sustained from the collision. If the injury is less severe with a speedy recovery the number representing the multiplier will be less. If the injury has caused extreme pain and affected your daily activities with a lengthy recovery the multiplier will be on the higher scale.