The multiplier method with Washington's actual rules applied: pure comparative negligence, a 3-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.
Your fault “diminishes proportionately” your award but never bars recovery, even a claimant mostly at fault can recover the remainder. (RCW 4.22.005)
3 years from the injury (RCW 4.16.080(2)). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state. Insurers must offer PIP on every policy. You can reject it only in writing. (RCW 48.22.085)
Minimum liability coverage: 25/50/10, meaning $25,000 bodily injury per person, $50,000 per accident, $10,000 property damage. (RCW 46.29.090) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Washington abolished joint-and-several liability except for one big carve-out: a claimant with zero fault can collect defendants' shares jointly (RCW 4.22.070). And an insurer can never argue you deserve less for not wearing a seat belt. The statute makes that evidence inadmissible (RCW 46.61.688(6)).
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Washington's fault rule is applied: Your fault “diminishes proportionately” your award but never bars recovery, even a claimant mostly at fault can recover the remainder. The calculator on this page runs exactly that math and prints every line.
3 years from the injury (RCW 4.16.080(2)). 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. Insurers must offer PIP on every policy. You can reject it only in writing.
Compensatory damages: No caps of any kind. Washington's Supreme Court struck the statutory cap as violating the state constitutional jury-trial right, and no cap has replaced it.