Start with three separate questions
First, what happened to the person’s health and day-to-day life? Second, what money has actually been lost or spent? Third, which insurance benefits or legal claims are available? A calculator can organise the first two without establishing the answer to the third.
This website’s Ontario illustration uses the original points-based injury model. Its coefficients are not settlement statistics. The published formula explains how the numbers are produced so you can see what the tool does and does not measure.
Injury impact is not the same as missed wages
The questionnaire separates recovery, ongoing limitations, psychological effects and everyday activities from financial losses. Within this model, an injured person who kept working can have a positive injury illustration and $0 of reported missed income. That output does not decide whether a legal award is available.
Record money already lost, not your full salary
For the past-income field, enter income actually missed because of the accident, rather than annual earnings or a monthly salary that you continued to receive. Keep receipts for expenses and a separate record of payments covering those same losses.
This is arithmetic, not a claim valuation. It does not turn the remaining balance into an amount someone is legally required to pay. Do not add the subtotal to a combined result a second time.
Unknown recovery is not permanent injury
You can select “Not sure” for future effects or future work absence. The restored model keeps those original uncertainty assumptions separate from confirmed permanent injury and confirmed lengthy work absence. Uncertainty about core injury details can still mean that the model cannot produce an injury illustration.
Why future losses need a separate assessment
The calculator does not turn expected time off into a future income award or price future care. Keep projected losses separate from amounts already missed. An individual assessment can examine the supporting records and assumptions instead of treating a questionnaire answer as proof of a future cost.
The province changes the pathway
Ontario’s July 2026 accident-benefit changes make it important to check which coverages are in the applicable policy. FSRA explains the coverage changes. Read the Ontario guide for the distinction between benefits and damages.
For British Columbia, start with ICBC’s recovery and injury-benefit information. For Quebec, start with SAAQ’s public automobile insurance plan. The calculator shows a generic illustration separately from those benefit systems; it does not calculate ICBC or SAAQ entitlement.
What to ask in an individual review
Ask which benefits or claims apply, which losses are supported by records, how reimbursements will be treated, what future information is needed, and what deadlines or fees need attention. A useful review explains the assumptions, rather than promising an exact settlement in advance.
For a personalised assessment of what your claim may be worth, email CarInjuryCalculator@gmail.com to request contact with a legal professional. See how the contact request works.
Open the free calculator →Updated 22 September 2026. Educational information; no settlement-data validation is claimed.