Compensation Calculator

The indicative compensation amount is an estimate of the total sum you may claim for losses resulting from an accident or damage caused by a third party. It covers material losses, medical costs, lost earnings and non-material damages (pain and suffering). It is a starting point for negotiations with the insurer or court proceedings.

Under civil law you can claim for: material losses (vehicle repair, property damage, destroyed belongings), medical and rehabilitation costs (treatment, therapy, specialist visits, medicines), lost net earnings during incapacity, and non-material damages — pain and suffering, loss of quality of life, psychological distress and loss of enjoyment of life.

Contributory negligence (przyczynienie się poszkodowanego) occurs when the injured party partly caused or contributed to the damage. In such cases, the compensation is reduced proportionally — for example, if you were 30% at fault, your claim is reduced by 30%. The court or insurer assesses the degree of fault based on the circumstances.

Pain and suffering compensation has no fixed formula. Courts consider the severity and duration of injuries, age, impact on daily life, psychological distress and the long-term prognosis. Polish courts typically award between a few thousand and several hundred thousand PLN. Use the calculator to include your own estimate.

The standard limitation period for personal injury claims in Poland is 3 years from the date the claimant learned of the damage and the liable party. For damage resulting from a criminal offence the period is 20 years from the date of the offence. Motor accident claims via compulsory insurance (OC) have specific procedures — report promptly to the insurer.

Yes. If the injury results in permanent or long-term incapacity to work, you may claim for lost future earnings (renta odszkodowawcza) — a monthly annuity covering the difference between your pre-injury earnings and your current earning capacity. This requires medical and financial evidence.

Key evidence includes: medical records and certificates, invoices and receipts for treatment and rehabilitation, pay slips or tax returns to prove lost earnings, repair estimates or invoices for property damage, police reports, witness statements and, where possible, photographic or video evidence of the accident scene.

Yes. Insurers often make initial offers below the full claim value. You have the right to appeal the decision within 30 days of receiving it. If the appeal is rejected, you can file a complaint with the Financial Ombudsman (Rzecznik Finansowy) or pursue the claim through the courts with the help of a solicitor.

Compensation received in connection with personal injury or death of a breadwinner is generally exempt from income tax in Poland under Article 21(1)(3) of the Personal Income Tax Act. However, compensation for lost earnings may be taxable. Consult a tax adviser for your specific situation.

For minor claims (e.g. small property damage), handling it yourself is often feasible. For serious injuries, significant material losses or disputed fault, a specialist compensation law firm or solicitor can significantly increase the final amount. They typically charge a contingency fee (10–25% of the awarded amount) only if successful.