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 — $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 — (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 — and 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.'