Settlement Analyzer
Know your rights. Don't settle for less.
Know your rights. Don't settle for less.
Motorcycle accidents present unique liability challenges. From jury bias to lane-splitting statutes, insurance adjusters look for reasons to deny your claim. Use this engine to estimate your pain and suffering multiplier, analyze comparative fault, and determine if your settlement offer is fair based on 2026 jurisdictional data.
Enter details to analyze case
Motorcycle accidents differ fundamentally from passenger vehicle collisions in legal practice. "Biker Prejudice" (or bias) is a documented phenomenon where juries and insurance adjusters unfairly assume motorcyclists are risk-takers. To maximize your settlement, you must present a claim that scientifically dismantles these biases using the Multiplier Method and Comparative Fault statutes.
Most insurance companies calculate the "Pain and Suffering" component of your settlement (non-economic damages) by applying a multiplier to your economic damages (medical bills + lost wages).
Road Rash: Often undervalued by adjusters. Severe road rash (Grade 3) involving the dermis can lead to permanent scarring and nerve damage. Settlements for severe road rash alone can exceed $50,000 if plastic surgery is indicated.
Biker's Arm: Nerve damage in the upper arm caused by landing on the shoulder. This can lead to permanent loss of sensation or movement, significantly increasing the claim's value due to "loss of enjoyment of life."
Lane Splitting: In California, lane splitting is legal if done safely. In other states (like Texas or Florida), it is illegal. If you were splitting illegally, the defense will argue Comparative Negligence, attempting to reduce your payout by your percentage of fault.
Helmet Defense: In states with Universal Helmet Laws, failure to wear a helmet can be used to deny compensation for head injuries. It generally does not affect compensation for body injuries (e.g., a broken leg).
Simple cases with clear liability may settle in 3-6 months. However, cases involving commercial vehicles, disputed liability (e.g., left-turn accidents), or high-value injuries often take 12-24 months to reach a fair value or go to trial.
Generally, no, unless the crash was caused by a roadway defect (e.g., a massive pothole or construction debris). In those cases, you may have a claim against the city or municipality, but the statute of limitations is often much shorter (sometimes only 6 months).
According to the IRS, settlement proceeds for "physical injuries or physical sickness" are generally tax-free. However, punitive damages or interest earned on the settlement are typically taxable.
Select "Save as PDF" in the destination menu.
Follow the steps above to save your results.