About FairClaimCalculator.com
How This Site Started
I'm not a lawyer, and I've never worked in insurance claims. My background is in research and independent web publishing — reading through public documentation, cross-checking sources, and turning technical processes into something a normal person can actually follow without a law degree.
The idea for this site came from something small and ordinary. A family member was in a minor car accident a while back — nobody seriously hurt, but enough medical bills and missed work to matter. A few weeks later, an insurance adjuster came back with a settlement offer. No breakdown, no explanation of how the number was reached, just a figure and a deadline to accept it. When I went looking online for something that explained the actual math behind an offer like that, I kept landing in one of two places: dense legal-aid documents written for attorneys, or law firm blog posts clearly designed to get you to call and sign a retainer, with no real numbers shown anywhere in between.
That gap is what this site is built to fill. The "multiplier method" used in the calculator here isn't some secret formula — it's a documented approach that insurance adjusters and personal injury attorneys have referenced for decades to arrive at a starting estimate. What was missing was a version of it anyone could actually use themselves: the reasoning shown step by step, the caveats made explicit, and no email address or account required just to see a result.
Everything on this site is researched from publicly available consumer legal-education material — state bar association consumer guides, insurance industry claims-handling literature, and general legal reference publications — and reviewed periodically for accuracy. None of it replaces advice from a licensed attorney in your state, and I don't say that as a throwaway disclaimer. Your state's negligence rules, the specific policy limits involved, any prior injuries, and dozens of other case-specific details can move a real settlement substantially in either direction. If this calculator gives you one useful thing, it should be a clearer starting point for that conversation with an attorney or adjuster — not a final number to hand over as-is.
How We Research Our Content
Our articles and calculator logic are researched using publicly available consumer legal-education resources, state bar association consumer guides, insurance industry claims-handling literature, and general legal reference publications. We do not provide individualized legal advice, and our content is reviewed for clarity and accuracy on an ongoing basis. If you spot something that looks outdated or incorrect, please let us know.
What We Are — and Are Not
We are not a law firm, and no one associated with this site provides legal representation through it. We do not accept referral fees for directing users to any specific attorney or law firm. Our only monetization is limited, clearly-disclosed advertising, which helps keep every tool on this site free and sign-up-free.
Contact
Questions, corrections, or feedback are always welcome via our Contact page.