Get a detailed low / mid / high estimate based on your actual damages — medical bills, lost wages, injury severity, and fault percentage.
Free — No Signup RequiredMissouri Pure Comparative Fault9-Step Damage Calculator
Step 1 of 9Accident Type
What type of accident were you in?
This helps calibrate insurance type and defendant profile.
What is your injury severity?
Pain & suffering multipliers are based on documented injury tiers used in Missouri settlements.
Medical bills to date
Enter the total medical expenses already incurred — ER visits, imaging, physical therapy, surgeries, prescriptions.
Estimated future medical costs
Include upcoming surgeries, long-term PT, pain management, and any assistive devices. We've pre-filled a typical estimate based on your injury — adjust as needed.
Suggested default loaded from severity selection.
Lost wages to date
Income lost because you couldn't work — missed shifts, sick days, PTO used for recovery, self-employment income lost.
Future lost earning capacity
If your injuries will limit your ability to work long-term, this figure can be significant. We've loaded a suggested default — adjust for your situation.
Suggested based on injury severity.
Your estimated fault percentage
Missouri uses pure comparative fault (RSMo 537.765). Your recovery is reduced by your share of fault — but you can recover at any fault level, even 99%.
0%
Move the slider to see how your fault percentage affects your recovery under Missouri's pure comparative fault law.
Missouri Pure Comparative Fault (RSMo 537.765): Your damages are reduced by your percentage of fault — but there is no cutoff. You can recover at any fault level. For example, 20% fault on a $100,000 case yields $80,000. 60% fault on $100,000 yields $40,000. 99% fault yields $1,000. There is no threshold that bars recovery entirely.
Defendant's insurance type
Commercial and trucking policies typically carry higher limits, which affects realistic recovery ranges.
Pain & suffering multiplier
Your multiplier is calculated automatically based on your injury severity. This is the factor applied to your medical bills to estimate non-economic damages.
Auto-calculated multiplier
—x medical bills for pain & suffering
In Missouri MVA cases, there is no statutory cap on non-economic damages — unlike medical malpractice.
This multiplier reflects typical negotiated ranges based on injury tier.
Your Estimated Settlement Range
Conservative
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Mid Range
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Damage Breakdown
No Missouri non-economic cap in MVA cases.
Missouri's non-economic damage limits apply only to medical malpractice claims — not car, truck, or motorcycle accidents.
In an MVA, there is no statutory ceiling on pain and suffering awards.
Educational estimate only — not legal advice.
Actual recovery depends on liability findings, available evidence, defendant insurance coverage limits, venue, and negotiation. Settlement values vary widely. Get a free case review from a Missouri personal injury attorney to understand the full value of your claim.
Your Estimated Recovery Range
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Missouri settlements include economic damages (medical bills, lost wages, future medical costs, future lost earning capacity) plus non-economic damages (pain and suffering, loss of consortium). Pain and suffering is typically calculated as a multiple of medical expenses — 1.5x for minor soft-tissue injuries to 5x for catastrophic injuries. Under Missouri's pure comparative fault law (RSMo 537.765), your recovery is reduced by your percentage of fault — but you can recover at any fault level, even 99%.
No. Missouri's non-economic damage caps apply only to medical malpractice cases. In motor vehicle accident cases — including car, truck, motorcycle, and pedestrian accidents — there is no statutory limit on pain and suffering. A jury can award whatever they find reasonable based on the evidence.
No. Missouri uses pure comparative fault (RSMo 537.765) — there is no bar or threshold. You can recover at any fault percentage; your damages are simply reduced by your percentage of fault. Even at 99% fault, you recover 1% of your damages. For example: 20% fault on a $100,000 case yields $80,000. 60% fault yields $40,000. 99% fault yields $1,000. Insurance companies argue fault to reduce your recovery, but they cannot eliminate it entirely.
Missouri's statute of limitations for personal injury claims is 5 years from the date of the accident (RSMo 516.120). For wrongful death, the limit is 3 years. Missing the deadline means losing your right to sue — regardless of how strong your case is. Contact an attorney early to preserve evidence and meet all deadlines.
Missouri minimum auto insurance limits ($25,000/$50,000) cap what a personal auto policy can pay. Commercial vehicle policies and FMCSA-regulated trucking policies carry substantially higher limits — often $750,000 to $1,000,000 or more. A defendant with a larger policy means a higher realistic ceiling, even if your calculated damages exceed the minimum limits.
The information on this website is for general informational purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. Results may vary. Prior results do not guarantee a similar outcome. Attorney Advertising.