California Car Accident Settlement Calculator
Estimate a car accident settlement under California law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What California law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
California uses pure comparative fault. Recovery is reduced by the claimant's share of fault with no threshold that bars a claim.
Li v. Yellow Cab Co., 13 Cal. 3d 804 (1975)·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
California car insurance law: minimums, PIP and uninsured motorist coverage
What California's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
California: Minimum liability coverage
“(2) Notwithstanding paragraph (1), for any policy or bond issued or renewed on or after January 1, 2025, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than thirty thousand dollars ($30,000) because of bodily injury to or death of one person in any one accident and, subject to that limit for one person, to a limit of not less than sixty thousand dollars ($60,000) because of bodily injury to or death of two or more persons in any one accident, and, if the accident has resulted in injury to, or destruction of property, to a limit of not less than fifteen thousand dollars ($15,000) because of injury to or destruction of property of others in any one accident.”
Not yet in force, from January 1, 2035 (Cal. Veh. Code § 16056(d)):
“For a policy or bond issued or renewed on or after January 1, 2035, the minimum liability coverage shall be increased by twenty thousand dollars ($20,000) for bodily injury or death for one person, by forty thousand dollars ($40,000) for bodily injury or death for all persons, and by ten thousand dollars ($10,000) for property damage.”
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
California: No-fault, personal injury protection and the right to sue
A separate rule, on what some claimants may recover:
“Except as provided in subdivision (c), in any action to recover damages arising out of the operation or use of a motor vehicle, a person shall not recover non-economic losses to compensate for pain, suffering, inconvenience, physical impairment, disfigurement, and other nonpecuniary damages if any of the following applies: (1) The injured person was at the time of the accident operating the vehicle in violation of Section 23152 or 23153 of the Vehicle Code, and was convicted of that offense. (2) The injured person was the owner of a vehicle involved in the accident and the vehicle was not insured as required by the financial responsibility laws of this state. (3) The injured person was the operator of a vehicle involved in the accident and the operator can not establish his or her financial responsibility as required by the financial responsibility laws of this state.”
Where it does not apply:
“(c) In the event a person described in paragraph (2) of subdivision (a) was injured by a motorist who at the time of the accident was operating his or her vehicle in violation of Section 23152 or 23153 of the Vehicle Code, and was convicted of that offense, the injured person shall not be barred from recovering non-economic losses to compensate for pain, suffering, inconvenience, physical impairment, disfigurement, and other nonpecuniary damages.”
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (Cal. Veh. Code § 16056 and Cal. Ins. Code § 11580.2).
California: Uninsured and underinsured motorist coverage
“No policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle, except for policies that provide insurance in the Republic of Mexico issued or delivered in this state by nonadmitted Mexican insurers, shall be issued or delivered in this state to the owner or operator of a motor vehicle, or shall be issued or delivered by any insurer licensed in this state upon any motor vehicle then principally used or principally garaged in this state, unless the policy contains, or has added to it by endorsement, a provision with coverage limits at least equal to the limits specified in subdivision (m) and in no case less than the financial responsibility requirements specified in Section 16056 of the Vehicle Code […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“The insurer and any named insured, prior to or subsequent to the issuance or renewal of a policy, may, by agreement in writing, in the form specified in paragraph (2) or paragraph (3), (1) delete the provision covering damage caused by an uninsured motor vehicle completely, or (2) delete the coverage when a motor vehicle is operated by a natural person or persons designated by name, or (3) agree to provide the coverage in an amount less than that required by subdivision (m) but not less than the financial responsibility requirements specified in Section 16056 of the Vehicle Code.”
“Coverage provided under an uninsured motorist endorsement or coverage shall be offered with coverage limits equal to the limits of liability for bodily injury in the underlying policy of insurance, but shall not be required to be offered with limits in excess of the following amounts: (1) A limit of thirty thousand dollars ($30,000) because of bodily injury to or death of one person in any one accident. (2) Subject to the limit for one person set forth in paragraph (1), a limit of sixty thousand dollars ($60,000) because of bodily injury to or death of two or more persons in any one accident.”
California: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (Cal. Veh. Code § 16056 and Cal. Ins. Code § 11580.2).
What partial fault costs you in California
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under California law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every California deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the California periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Cal. Civ. Proc. Code § 335.1·Source retrieved 2026-07-27
Open the personal injury calculatorCal. Civ. Proc. Code 340.5 requires filing by the earlier of 1 year after the claimant discovers the injury or 3 years after the injury itself. We publish the 1-year discovery period. A 90-day notice of intent is also required.
Cal. Civ. Proc. Code 340.5·Last reviewed 2026-07-28
Open the medical malpractice calculatorCal. Civ. Proc. Code § 335.1·Source retrieved 2026-07-27
Open the wrongful death calculatorCal. Lab. Code § 5405·Source retrieved 2026-07-27
Open the workers compensation calculatorCal. Civ. Proc. Code § 335.1·Source retrieved 2026-07-27
Open the slip and fall calculatorCal. Civ. Proc. Code § 335.1; Cal. Civ. Code § 3342·Source retrieved 2026-07-27
Open the dog bite calculatorCalifornia against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 11 of the 51 jurisdictions we track apply the pure comparative negligence rule, and California is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and California is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology