Car Accident If you get into a car accident you can expect to get a settlement before going to trial. It is cheaper for the insurance companies to just offer you a settlement. <insert calc here> How much damage to your car? (estimate the nearest $ amount in USD) How much other property damage? (this includes anything that was inside the car or hit by the car) How much have your medical bills been to date? (Both out of pocket and amount insurance covered) How much do you anticipate future medical bills will be? How much in lost wages to date? How much in future lost wages?