{
  "source": "RevenueLab",
  "source_url": "https://www.revenuelab.fyi",
  "dataset": "settlement_benchmarks",
  "hub_url": "https://www.revenuelab.fyi/insurance-settlement-calculators",
  "updated": "2026-09-04",
  "license": "CC BY 4.0 with attribution to RevenueLab.fyi",
  "citation": "RevenueLab — US settlement and insurance payout benchmarks 2026 (https://www.revenuelab.fyi/api/public/settlement-benchmarks.json)",
  "notes": "Multiples apply to documented economic damages (medical bills plus lost wages) unless the basis field says otherwise. National norms, not legal advice; workers' compensation uses a state schedule of weeks per body part instead of a multiplier.",
  "benchmarks": [
    {
      "scenario": "Soft-tissue injury, full recovery",
      "slug": "personal-injury-settlement-estimator",
      "basis": "× economic damages",
      "low_multiple": "1.0×",
      "typical_multiple": "1.5×",
      "high_multiple": "2.0×",
      "note": "Most whiplash and sprain claims settle here; adjusters resist above 2×.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator"
    },
    {
      "scenario": "Fracture or surgery, full recovery",
      "slug": "personal-injury-settlement-estimator",
      "basis": "× economic damages",
      "low_multiple": "2.0×",
      "typical_multiple": "3.0×",
      "high_multiple": "4.0×",
      "note": "Objective imaging and a surgical record move the multiplier more than pain reports.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator"
    },
    {
      "scenario": "Permanent impairment",
      "slug": "workers-comp-ppd-settlement-calculator",
      "basis": "× economic damages",
      "low_multiple": "3.5×",
      "typical_multiple": "5.0×",
      "high_multiple": "8.0×",
      "note": "Workers' comp instead uses a state schedule of weeks per body part.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/workers-comp-ppd-settlement-calculator"
    },
    {
      "scenario": "Wrongful death",
      "slug": "wrongful-death-settlement-estimator",
      "basis": "Lifetime earnings + services + companionship",
      "low_multiple": "1.0×",
      "typical_multiple": "2.0×",
      "high_multiple": "4.0×",
      "note": "Driven by decedent age, dependents and earnings, not by medical bills.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/wrongful-death-settlement-estimator"
    },
    {
      "scenario": "Diminished value after a repaired collision",
      "slug": "car-accident-diminished-value-calculator",
      "basis": "% of pre-loss value",
      "low_multiple": "5%",
      "typical_multiple": "10%",
      "high_multiple": "25%",
      "note": "17c formula caps the base at 10% of value before damage and mileage modifiers.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/car-accident-diminished-value-calculator"
    },
    {
      "scenario": "Attorney contingency fee",
      "slug": "personal-injury-settlement-estimator",
      "basis": "% of gross settlement",
      "low_multiple": "25%",
      "typical_multiple": "33%",
      "high_multiple": "40%",
      "note": "33⅓% pre-suit is standard; the higher tier applies once litigation is filed.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator"
    },
    {
      "scenario": "Life insurance coverage need",
      "slug": "life-insurance-coverage-need-calculator",
      "basis": "× gross annual income",
      "low_multiple": "5×",
      "typical_multiple": "10×",
      "high_multiple": "15×",
      "note": "The multiple is a shortcut; needs-based math (debts + income years) beats it.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/life-insurance-coverage-need-calculator"
    },
    {
      "scenario": "Structured settlement discount",
      "slug": "structured-settlement-payout-calculator",
      "basis": "Effective discount rate on a lump-sum buyout",
      "low_multiple": "8%",
      "typical_multiple": "12%",
      "high_multiple": "18%",
      "note": "Buyout companies quote a price, not a rate — back out the rate before signing.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/structured-settlement-payout-calculator"
    }
  ]
}