What Is The Average Settlement For A Minor Car Accident? '25

Discover average settlements for minor car accidents, including property damage, inconvenience, and potential compensation insights.

Average Settlement for Minor Car Accidents Research

What is the average settlement for a minor car accident? Research into the results reported by four different law firms revealed interesting statistics.

These firms reported settlements ranging from $3,000 to $25,000, with a median of $12,500 and an average settlement of $12,875. However, these numbers provide minimal insight into the likely settlement a claimant might expect because every case has unique facts and can follow a different timeline.

Understanding Minor Car Accident Losses

How much money can you get from a minor car accident? There is no single definition of a minor car accident. One definition is a car accident that caused no injuries. The losses from these accidents, also called property damage-only crashes, can vary widely. Even when you only sustain property damage, the cost of bodywork depends on the make, model, and age of your vehicle.

Another definition of “minor” car accidents involves crashes that cause non-incapacitating injuries. According to the U.S. Department of Transportation, most states define incapacitating injuries as those in which the victim requires an ambulance. Conversely, non-incapacitating injuries include those that permit the victim to leave the accident scene under their own power. Examples of these injuries include:

• Minor fractures
• Abrasions
• Minor bruises and lacerations
• Strains, sprains, and other soft tissue injuries

Using this definition greatly expands the potential losses. Treatment costs for non-incapacitating injuries can vary from a few dollars for abrasions to tens of thousands of dollars for a torn ligament.

Factors Influencing Settlement Amounts

The type and amount of losses are relevant because minor car accident settlement amounts tie directly to the losses compensated. For example, if you incurred $5,000 in losses, your settlement will probably be somewhere around $5,000 regardless of how you answer, “What is the average settlement for a minor car accident?”

Thus, rather than looking at the settlements other people got based on the unique facts of their crashes, it is more helpful to look at the factors used by insurers to settle cases:

Extent of Property Damage

The cost of repairing or replacing damaged vehicles is a primary consideration. Settlements should cover the cost of repairs, replacement parts, and any related expenses.

Medical Expenses

Even minor accidents can lead to injuries that require medical attention. Settlements may include compensation for medical bills, including visits to doctors, physical therapy, or medication.

Loss of Income

If the accident results in loss of income due to medical appointments, settlements may also include compensation for these financial losses.

Pain and Suffering

While minor accidents may not cause severe injuries, they can still lead to physical discomfort and emotional distress. Settlements may account for pain and suffering, although amounts tend to be lower for minor injuries.

Insurance Policies

One of the most influential factors is the at-fault driver’s policy limits. This number sets the maximum amount paid by the insurer. If your losses exceed this amount, you must recover the rest directly from the driver. States set the minimum limits.

Learn More About Car Crash Settlements

ConsumerShield knows the confusion you face after a car accident. We provide educational resources and free case evaluations to help you. We will even connect you with a lawyer if necessary. Contact us to learn more about our services.