[header] How to calculate an auto insurance settlement [title] Understand the basic factors involved. [step] Due to wide variations in policy and coverage details, it is difficult to determine ahead of time exactly how an insurance company will calculate your settlement. The circumstances of each car accident differ greatly, so there are not precise mathematical formulae involved. 
However, there are factors that are generally used to calculate a settlement for most accidents. These include : [substeps] The type and nature of property damage whether or not a party is injured the policy limits of the involved insurance policies [title] Assess vehicular property damage.