What Is the Problem With Pain and Suffering Settlement Calculators?

Pain and suffering calculators may seem like helpful little tools to assist you in figuring out how much money you will get after an accident. However, in actuality, these simplistic tools are pretty much useless. They are only used by some law websites because they look good and appeal to the desire people have for quick answers.

If you base what you believe will be your financial restitution as a result of an accident off of a pain and suffering calculator, you are likely to be thrown off by the figure you receive once the dust has settled.

Why Don’t Pain and Suffering Settlement Calculators Work?

Pain and suffering calculators don’t work for the simple fact that the calculators aim to be simple, but when it comes to insurance and legal claims, nothing is simple. The idea behind these calculators is that you plug in a few numbers and out pops the amount you should receive, but the real world doesn’t work that way. Insurance companies take dozens of factors into account when determining the value of your claim. Please visit this website to see how the claim process works.

Like most tools of this kind, pain and suffering calculators are really just gimmicks. They draw you in but don’t provide you with any substance. They are the toy in the gumball machine, fun for twenty minutes and making you promises about the future, but already beginning to break before you even start playing with them.

Is There Another Way to Calculate My Settlement Figure?

Your best bet to determine an accurate figure of how much you might receive from your claim is to consult with a personal injury lawyer. Personal injury lawyers know how the insurance companies work and all of the things that they take into consideration when it comes to your claim. They can look beyond the few figures that the settlement calculators work with and give you a much more realistic picture of things.

The reason pain and suffering damages are so complicated to compute is that there is no bill that you can look to for the cost. It is not a matter of covering your medical expenses, but rather covering all of the ripple effect costs that come from an injury, both monetary and personal. Pain and suffering tend to be the largest part of your settlement because it is the part that carries the largest financial and personal burden.

A personal injury lawyer will look at all of the ways in which your accident has caused you pain and suffering to determine an estimate for the true figure you should receive. Beyond the cost of medical bills, lost wages, and the replacement or repair of possessions, your lawyer will look at the long-term, lasting damage that has been done, which may include:

  • Physical pain
  • Disability
  • Mental trauma
  • Loss of a loved one
  • Loss of career
  • Quality of life

Physical Pain

In many cases, physical pain is not a temporary thing, but rather chronic pain that you will have to live with for the rest of your life.


Permanent disability can mean a complete change in how you live your life, and it can rob you of many of the activities you used to enjoy.

Mental Trauma

The memory of the accident itself, and thoughts of how your life has been radically altered, can haunt you long after the accident itself has passed.

Loss of a Love One

The devastating effects of losing a loved one in an accident can never be quantified.

Loss of Career

An injury that is sustained in an accident can leave you physically unable to do your job. While you might find other work or go on disability to compensate for the lost wages, if you loved what you did for work, your job cannot be easily replaced.

Quality of Life

There are many ways that your quality of life can be affected by an accident, including all of the above.

None of the above examples can be fixed with money, but without fair compensation, a situation that is already bad is only likely to get much worse.