Real personal-injury case values for every U.S. state.

The personal-injury information gap, and why this site exists

For two decades, insurance carriers have used proprietary analytics products (Colossus, Mitchell ClaimIQ, and a handful of others) that systematically value personal-injury claims using millions of historical settlements as training data. These products give carriers a structural information advantage in every personal-injury negotiation. Plaintiffs, especially those without experienced counsel, have not had access to an equivalent toolkit. The result is a measurable settlement-value gap between cases where the plaintiff is represented by a lawyer with case-comparison resources and cases where the plaintiff negotiates alone with the adjuster.

CaseWorthNow exists to close part of that gap. The tools on this site combine AI-assisted analysis with deterministic calculators and a primary-source citation policy: every dollar amount cites a comparable case, every deadline cites a statute, every legal proposition cites controlling authority. The Case Value AI uses comparable-case data from CourtListener PACER to produce settlement-range estimates anchored in real outcomes, not the carrier's proprietary reserves. The Insurance Playbook documents the publicly observable parts of each major carrier's claim-handling pattern. The Adjuster Scripts provide attorney-tone responses to the most common adjuster tactics.

None of these tools matches what the carriers have privately. But they do substantially close the gap, and they are free. We do not refer cases to specific attorneys, accept referral fees from law firms, or sell user inputs to claims-buyer aggregators. The site is supported by display advertising in clearly-labeled slots and by the goodwill of plaintiffs who use the Settlement Tracker tool to contribute their anonymized settlement data back to the public dataset.

How to use this site if you have been injured

If you were injured in an accident in the United States, the most important first step is to check your state\'s statute of limitations , the filing deadline beyond which you lose the right to sue entirely. The SOL hub covers every U.S. state. The deadline ranges from one year in the strictest jurisdictions to six years in the most plaintiff-friendly ones. Most states are at two or three years from the date of injury, with shorter notice deadlines (60 to 180 days) for claims against state or local government defendants.

Once you know your filing deadline, use the Case Value AI to estimate your settlement range. The tool produces a low / mid / high estimate based on your injury type, jurisdiction, medical bills, and fault allocation. The estimate is anchored in real PACER court records, not the insurance industry\'s proprietary reserves, and includes a reasoning trace showing exactly how the model arrived at the numbers. Use the estimate as a starting framework, not as a prediction; an attorney with direct access to your facts will always have a better understanding than any general informational tool.

For specific questions about how your state allocates fault, what insurance coverage applies, or what the courtroom dynamics look like for your specific injury type, browse the cluster hub pages: comparative negligence, no-fault status, wrongful death, dog bite, UM/UIM coverage, and by injury. Each cluster has 51 state-specific detail pages plus a hub explaining the framework across all states.

When you are ready to engage with the insurance carrier, the Demand Letter Generator, Adjuster Scripts tool, and Insurance Playbook help you anticipate and counter the carrier\'s standard moves. When you are ready to retain counsel, the Find an Attorney page links to state-bar referral services (not paid placements). Every step has a tool; every tool cites primary sources.

The site is informational only. It does not provide legal advice. It does not create an attorney-client relationship. Cases turn on facts that no general-purpose informational tool can see, which is why every page on the site recommends consulting an attorney licensed in your state for case-specific guidance.

CaseWorthNow covers every U.S. state plus the District of Columbia across six major personal-injury legal frameworks: statute of limitations, comparative negligence, no-fault auto insurance, wrongful death, dog-bite liability, and uninsured-motorist coverage. For each of the 51 jurisdictions, you can drill into the state-specific statute citations, the comparative-fault rule, the auto-insurance framework, and the intersection of state law with six common injury types (whiplash, traumatic brain injury, herniated disc, bone fracture, slip and fall, medical malpractice). The result is roughly a thousand pages of state-specific personal-injury information, every fact cited to primary law.

The site is built and maintained by an independent publisher, not a law firm, not a lead-generation aggregator, and not a marketing front for any insurer. Editorial decisions are reviewed by domain consultants with practical personal-injury litigation experience. We use AI for analytical drafting and verification, but we constrain it to cite primary sources we have independently verified, and we publish a reasoning trace with every AI-generated output so readers can audit the analysis themselves.

Frequently asked questions about personal-injury cases

How long do I have to file a personal-injury lawsuit?

It depends on your state. Statutes of limitations range from one year (Kentucky, Tennessee, Louisiana before July 2024) to six years (Maine, North Dakota). Most states are at two or three years from the date of injury. Use the SOL hub to find your state's deadline.

Is the Case Value AI free to use?

Yes. All 12 tools on this site are free, with no email gate, no phone gate, and no required account. We do not refer cases to specific attorneys, accept referral fees, or sell user inputs.

What is the average personal-injury settlement?

"Average settlement" figures are misleading because outcomes vary substantially by injury severity, jurisdiction, and at-fault carrier. Minor soft-tissue cases settle at $5,000-$50,000; surgical-anchor cases at $100,000-$400,000; catastrophic cases at $500,000-$5M+. Use the Case Value AI for a case-specific range based on real comparables.

Should I take the insurance company's first offer?

Usually not. First offers are typically anchored near the medical specials total and leave substantial room for upward negotiation. Consult an attorney before accepting any offer, especially in cases involving permanent impairment or future-care needs.

Do I need a lawyer for a personal-injury claim?

For minor cases (soft tissue, low medical bills, clear liability), self-representation can work. For any case involving permanent impairment, surgery, disputed liability, or a government-defendant, retain counsel early. Personal-injury attorneys work on contingency, so there is no out-of-pocket cost.

What if the at-fault driver has no insurance?

Your own UM (uninsured motorist) coverage applies. Verify your policy's UM limits , most state minimums of $25,000/$50,000 are inadequate for serious injuries. Plaintiffs' attorneys consistently recommend $300,000-$500,000 UM/UIM coverage.