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Reviewed by David Gammill, California trial attorney · Last reviewed: October 22, 2026
Answer a few questions about your crash, your injuries and your treatment, and this page gives you an estimated value range in under a minute. You see the number before we ask for anything. Then an AI explains, in plain English, what drove it and what facts would move it, and you can ask it a few questions of your own. If you want a real valuation, send your answers to us and an attorney will check them against the insurance coverage that is actually available. That part is free too.
This is a starting point, not a promise. The number is explained further down the page, so you can see exactly what it does and does not know about your case.
The explanation is written by an AI model from the answers you gave and the estimate above. It is general information, not legal advice. Your answers are sent to the AI service to write it; your name and contact details are not.
Send your answers to Gammill Law and we will tell you what we think your case is worth against the coverage that is actually available. No fee unless we recover for you.
Every case is different. This estimate is a starting point built from the answers you gave, not a promise of what you will recover. What you can actually collect often depends on insurance limits and facts this tool cannot see. The only reliable way to value your case is a review of your specific facts by an attorney.
The bottom line
Most calculators of this kind are lead forms in disguise. They collect your answers, then hold the result behind a box asking for your name, phone and email. You give them up, you get a number, and a sales call follows.
We show you the number first because the number is the thing you came for, and because a figure you had to buy with your phone number is a figure you are right to distrust. If the estimate is useful, we think you will want an attorney to check it. If it is not, you have lost two minutes and nothing else. The form under the result is there when you want it, and it does one thing: it sends your answers to our office so the first conversation starts with the facts already on the table.
A case is decided on what can be proved. These are the things that change a valuation and never show up in a questionnaire:
The evidence. A police report that puts the other driver at fault is worth more than your account of the same facts. Photographs, witness statements, dash-cam footage, and the timing of your medical records all move a case up or down.
The medical story. Two people with the same bills can have very different cases. A clean chart that ties every symptom to the crash is worth more than one with gaps, prior complaints, or a doctor who wrote “patient reports” where the facts needed to be found.
Liens and medical payments. Health insurers, Medi-Cal, Medicare and medical providers often have a right to be repaid from your settlement. A case worth a certain gross amount can be worth much less in your pocket until those liens are negotiated.
Where the case would be tried. Juries differ by county, and the insurer’s offer reflects what it expects a jury in your venue to do.
The defendant. A commercial truck, a rideshare company, a city or county, or a driver with an umbrella policy changes both the coverage available and the rules that apply. A claim against a public entity, for example, runs on a short administrative deadline before any lawsuit can be filed; our page on dangerous conditions of public property explains that process.
None of this is a reason to skip the calculator. It is the reason to bring the result to someone who can see the rest.
The value of a case and the money available to pay it are two different numbers. Most drivers in California carry the minimum liability coverage the law requires, and that minimum is small next to the cost of a serious injury. When your estimate runs past the other driver’s limit, three questions decide what happens next.
Is there more coverage on the other side? A second vehicle owner, an employer whose employee was driving, a rideshare platform, a bar that overserved a driver, or a public entity that maintained a dangerous road can each add a policy to the claim.
Is there coverage on your side? Uninsured and underinsured motorist coverage on your own auto policy pays when the at-fault driver has too little. Many people do not know they have it, or how much. Your declarations page tells you.
Is the at-fault driver worth pursuing personally? Sometimes, rarely. An attorney’s evaluation includes this question; a calculator cannot ask it.
If you entered a coverage figure above, the result shows you how your estimate compares with it. If you did not, that comparison is the first thing we would do with your file.
The phrase sounds vague. It is not. California juries are instructed to put a dollar figure on physical pain, mental suffering, loss of enjoyment of life, disfigurement, physical impairment, inconvenience, grief, anxiety, humiliation and emotional distress, past and future. Those are the words on the instruction, and each one is a category an adjuster will try to argue away.
People sometimes skip calculators like this one because they think any share of blame ends the case. In California it does not. If a jury decided you were a quarter responsible, you would recover three quarters of your damages. The tool applies that reduction so the range you see is already discounted for the share you entered.
Two cautions. First, insurers assign fault aggressively in the first call, because an early admission is permanent and the discount compounds. Second, the share you believe is fair and the share the other side will argue are different numbers, and the tool asks for the second one on purpose. If you are not sure, run it both ways and look at the gap. That gap is the value of the evidence an attorney will go and get.
The tool asks what you have lost so far and whether you are back at work. For most soft-tissue cases, that is the whole wage claim. For a serious injury it is the beginning of one.
If you are back on reduced hours, or not back at all, the real question is what the injury does to your earning capacity over the rest of your working life. That is a calculation built on vocational evidence and a life-care plan, not on a questionnaire, and it can be the largest number in the case. The tool makes a rough allowance and flags it. An attorney makes the case.
Whatever any calculator says, a case that is filed late is worth nothing. In California, most injury lawsuits must be filed within two years of the injury under CCP § 335.1. Claims against a city, county or the State run on a much shorter administrative clock before that. Wrongful death claims have their own rules about who may file, explained on our page on who can bring a California wrongful death claim.
The deadline is also the reason the AI on this page will not answer questions about it. Deadlines turn on facts: when the injury was discovered, who the defendant is, whether a claim form was required. A confident general answer would be a dangerous one. Ask us instead.
What happens to my answers?
The questionnaire runs in your browser. When the estimate appears, your answers are sent to an AI service; your name and contact details are not part of that. Nothing is stored unless you send the form, and the form goes by email to our intake team. Our privacy policy has the details.
What if my injury is catastrophic, or someone died?
The tool will not give you a number, on purpose. Those cases turn on facts no questionnaire can hold, and a low estimate would do real harm. Call us. You will talk to an attorney, not a form.
Does it work for slip and falls, dog bites, or other injuries?
It is built for motor vehicle crashes: cars, motorcycles, pedestrians, cyclists, trucks and rideshares. For anything else the arithmetic is rough. Skip it and contact us for a free case review.
Is my case too small for a lawyer?
Run the tool. If the range is modest and the coverage is clear, we will tell you so and tell you what to do on your own. If it is not, you will want help, and you will not pay a fee unless we recover for you.
Gammill Law is a Torrance personal injury firm serving the South Bay and all of California. The consultation is free, and we work on a no-win, no-fee basis: you pay attorney fees only if we recover for you. Run the calculator, send us what it said, or skip it and call 310-750-4149. Either way, you get a straight answer about your case.