The multiplier method with Illinois's actual rules applied: modified comparative, 51% bar, a 2-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
You recover if your fault is 50% or less, reduced by your share. More than 50% bars the claim. (735 ILCS 5/2-1116)
2 years for personal injury (735 ILCS 5/13-202). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state, no PIP mandate.
Minimum liability coverage: 25/50/20, meaning $25,000 per person, $50,000 per accident, $20,000 property damage. (625 ILCS 5/7-203) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Illinois's modified joint-and-several statute makes any defendant found less than 25% at fault only severally liable for non-economic damages, so in multi-defendant cases, a minor-share deep pocket can't be made to pay the whole pain-and-suffering award. Medical expenses stay joint and several. It's a collectability rule most valuation discussions skip. (735 ILCS 5/2-1117)
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Illinois's fault rule is applied: You recover if your fault is 50% or less, reduced by your share. More than 50% bars the claim. The calculator on this page runs exactly that math and prints every line.
2 years for personal injury (735 ILCS 5/13-202). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
At-fault state, no PIP mandate.
Compensatory damages: No caps. Illinois courts have struck down every attempt: general tort caps in Best v. Taylor Machine Works (1997) and medical-malpractice caps in Lebron v. Gottlieb (2010), both as unconstitutional 'legislative remittitur.'