July 26, 2025
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Reading Time: 5 min
If you’ve been injured in a car accident, one of the first questions you might have is: How much is my case worth? While that’s a fair question, there’s no one-size-fits-all answer. Most car accident settlements can range from a few thousand to millions of dollars, depending on the circumstances of the accident, the severity of injuries, insurance coverage available, the evidence available, and who was at fault all play a crucial role in the final settlement amount awarded
If you or someone you know has been injured in a car accident, calling an experienced personal injury firm like Cellino Law can help you to recover the maximum compensation for your injuries. Call us today at 888-888-8888 or fill out our online form for a free case consultation.
Why Car Accident Settlement Amounts Vary So Widely
Car accident settlements can vary so widely because every accident is unique in its own way. For example, someone who suffered minor soft tissue injuries from a fender bender may only receive several thousand dollars from the insurance company. On the other hand, someone who suffered permanent injuries and cannot return to their normal life after a serious crash may receive hundreds of thousands or more.
Some important factors that influence how car accident settlements are calculated include:
- The severity of injuries
- Past and future medical expenses (relating to the accident)
- Loss of income or earning capacity
- Emotional and psychological impact
- Degree of fault
- Insurance policy limits
To get fair compensation for your injuries, you’ll need strong evidence that shows who was responsible and the damages resulting from the accident.
The Types Damages in a Car Accident Claim
The types of damages available in car accident settlements are typically made up of compensatory — meaning economic and non-economic damages.
Economic Damages
These compensatory damages are the financial losses that you can calculate and prove with receipts, bills, or pay stubs. These include:
- Medical care and treatments
- Lost income during your recovery
- Future loss of earning ability
- Other out-of-pocket expenses related to your injury
Non-Economic Damages
Non-economic damages include the impact on your life, daily activities and the emotional and psychological damages the accident can have on you long after it happens. These losses are more subjective and harder to quantify, but they’re often substantial—especially in severe cases. They can include:
- Pain and suffering
- Emotional distress
- Loss of enjoyment of life
- Anxiety or depression
- Loss of companionship or intimacy with a spouse
How New York Laws Affect Car Accident Settlements
New York has two important laws that can influence what you’re able to recover: the no-fault insurance system and comparative negligence rules.
New York’s No-Fault Insurance
New York is a no-fault state. This means that after most car accidents, you’ll generally file a claim with your own insurance company—regardless of who was at fault. This system is designed to provide quick access to benefits, but it also has limits.
Under no-fault coverage (also called Personal Injury Protection or PIP) there is a state minimum of $50,000, and you can receive:
- Medical expenses
- Up to $2,000 per month in lost wages (for up to 3 years)
- $25 per day for household services (such as childcare or home help)
However, no-fault insurance does not cover non-economic losses like pain and suffering. That means if your injuries are serious, you may need to file a claim against the other driver.
You can pursue a personal injury lawsuit if your injuries meet New York’s “Serious Injury Threshold”:
- Significant disfigurement
- Fractures
- Permanent loss of use of a body part or organ
- Substantial limitation of a bodily function
- 90 days of disability within the first 180 days after the accident
If your injuries meet the threshold, you can seek full compensation—including for pain and suffering and emotional trauma.
New York’s Comparative Negligence Law
New York follows a pure comparative negligence rule. That means even if you were partially at fault, you can still recover compensation—just reduced by your percentage of fault.
For example:
- If you’re found 20% at fault and your total damages are $100,000, you can still recover $80,000.
- In that same instance, if you’re 90% at fault, you could still receive $10,000.
Some states bar recovery if you’re more than 50% at fault—but New York allows you to recover even with a high percentage of blame, as long as it’s not 100%.
How an Attorney Can Maximize Your Settlement
Dealing with a car accident claim can be overwhelming—especially when you’re trying to recover physically and emotionally. Insurance companies may pressure you to settle quickly, often for less than you deserve.
A car accident attorney can:
- Investigate your claim
- Gather police reports, medical records, and witness statements
- Work with experts to calculate your long-term needs
- Handle all communication with the insurance company
- Fight for a full and fair settlement—or take your case to court if needed
At Cellino Law, we handle personal injury cases on a contingency fee basis. That means you don’t pay us until we win your case.
Get the Help You Need After a Car Accident
At Cellino Law, we’ve helped thousands of New Yorkers get the compensation they need after serious accidents. With over $2 billion recovered for injured clients, we have the experience and resources to guide you through this process and fight for the results you deserve.
If you’ve been injured in a car accident, don’t guess what your case is worth. Contact us for a free, no-obligation consultation at 888-888-8888. We’re here to help you move forward.
Content checked by the personal injury attorney Ross Cellino. As a family man and a trial attorney, I pride myself on winning cases and serving the community. With over 35 years of experience, I understand the function of a jury, how juries arrive at conclusions, and the role that the jury plays in administering justice. I know how to win cases. You can find us in Manhattan, Buffalo, Melville, Rochester, Brooklyn, The Bronx, Queens and other locations throughout New York.