Broken Bone Settlement Calculator
A fracture is easier to prove than many injuries because it shows on an x-ray. The questions in a broken bone claim are usually how severe the break was, whether it needed surgery, and whether it healed fully. This calculator starts at a 2.5× multiplier for fractures and adds 0.5× when surgery was required.
Starting multiplier for this injury: 2.5× (+0.5× with surgery). Free, private, nothing is saved.
State laws determine how fault affects your payout and cap on pain & suffering
The severity of your injury determines the pain & suffering multiplier — insurers use this to value non-economic damages.
Surgery significantly increases settlement value — it's objective evidence of serious injury.
Hospital, ER, ambulance, specialists, physical therapy, prescriptions, imaging. Include everything billed — not just what insurance paid.
💡 Use the total billed amount — even if insurance covered part of it. Insurers use gross billing, not what you paid out of pocket.
Ongoing treatment, surgery you haven't had yet, long-term therapy or medication. An attorney can get a medical expert to project these — this often adds significant value.
Days missed from work, reduced hours, lost business income, or future earning capacity if your injury affects your ability to work long-term.
Be honest here — your state's negligence rule determines whether shared fault reduces or eliminates your recovery entirely.
How This Estimate Was Calculated
Estimate only. Actual settlements vary based on insurance policy limits, liability strength, and negotiation. An attorney's analysis will be more accurate.
Estimated Settlement Range
Select injury type
⚠️ Going without an attorney could cost you everything
• Insurance adjusters are trained to pay you as little as possible — it's their job
• They'll offer a quick settlement before you know your full injury
• They'll ask for a recorded statement to use against you later
• In contributory-negligence states, 1% of fault = $0 recovery
• Once you sign, it's permanent — even if injuries worsen
Insurance Research Council (IRC) Study
3.5×
Victims with attorneys receive 3.5× more on average — even after legal fees
⏰ Filing Deadline in Your State
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Review My Case for Free →This tool provides general estimates only and does not constitute legal advice. Consult a licensed attorney in your state.
⚠️ Going without an attorney could cost you everything
• Adjusters are trained to pay you as little as possible
• They offer quick settlements before you know your full injury
• Recorded statements are used against you
• Once you sign, it's permanent — even if injuries worsen
3.5×
more with an attorney
Victims represented by attorneys receive 3.5× more on average — even after paying legal fees (Insurance Research Council)
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What Raises a Broken Bone Settlement
- Surgical repair with plates, screws, or rods, especially if hardware removal is expected later.
- Breaks involving a joint, a compound (open) fracture, or multiple bones.
- Long immobilization, physical therapy, and time away from work.
- Lasting effects: arthritis risk, reduced range of motion, or a permanent impairment rating.
How Insurers Push the Value Down
- Valuing a clean break as fully healed once the cast comes off, ignoring later limits.
- Disputing how much time off work was actually needed.
- Leaving out future costs such as hardware removal or treatment for post-traumatic arthritis.
Records to Gather
- ✓X-ray, CT, and surgical reports
- ✓Orthopedic follow-up notes, including your doctor's view on long-term effects
- ✓Physical therapy records and discharge summary
- ✓Employer records of missed work or light duty
Use the evidence checklist to track everything, and check your filing deadline before you negotiate. Need treatment now with no upfront cost? Find doctors who accept liens.
Broken Bone Settlement FAQ
How much is a broken bone settlement worth?
It depends on which bone, how severe the fracture was, whether surgery was needed, your lost income, and whether you healed fully. Use the calculator with your actual bills and wages to see a range for your situation.
Does surgery increase a fracture settlement?
Usually, yes. Surgery is objective evidence of a serious injury and adds medical costs and recovery time. The calculator adds 0.5× to the multiplier when you select surgery.
What if I might need more surgery later?
Future medical costs are part of the claim, so ask your surgeon whether hardware removal or other procedures are likely and what they cost. Enter that estimate in the future medical costs field.
Is this estimate what I will actually receive?
No. It is an educational range. A licensed attorney in your state can account for policy limits, liability, and your full records.
Educational estimates only, not legal advice. Multipliers are a simplified model of how insurers value claims, not averages of real settlements. Consult a licensed attorney in your state.