What is my claim worth?

Understanding the value of a personal injury claim can feel overwhelming. After an accident, most people want one thing: clarity. Unfortunately, there’s no universal formula that instantly reveals the exact value of a case. Instead, claim value depends on a combination of factors—some straightforward, others more nuanced.

This guide breaks down the key elements that influence compensation and helps you understand what to expect as you move forward.

What Determines the Value of a Personal Injury Claim?

Economic Damages

These are the measurable financial losses caused by your injury.

• Medical expenses: hospital bills, physical therapy, surgery, medication, assistive devices.
• Lost wages: income you missed while recovering.
• Future medical care: long‑term treatment, rehabilitation, or ongoing care needs.
• Loss of earning capacity: if your injury affects your ability to work in the future.

Non‑Economic Damages

These compensate for the human impact of an injury—things that don’t come with receipts.

• Pain and suffering: physical discomfort and emotional distress.
• Loss of enjoyment of life: inability to participate in hobbies or daily activities.
• Emotional trauma: anxiety, depression, PTSD, or other psychological effects.
• Scarring or disfigurement: permanent physical changes.

Liability and Evidence

The strength of your case matters.

• Clear proof of fault: police reports, witness statements, photos, video.
• Comparative negligence: if you’re partially at fault, your compensation may be reduced.
• Quality of documentation: medical records, accident reports, and consistent treatment.

Insurance Factors

Insurance companies play a major role in determining settlement value.

• Policy limits: the maximum amount available under the at‑fault party’s insurance.
• Insurer negotiation tactics: adjusters often start with low offers.
• Uninsured/underinsured coverage: your own policy may help if the other driver lacks coverage.

How Attorneys Estimate Claim Value

Lawyers typically evaluate:

• Total medical bills
• Severity and permanence of injuries
• Impact on daily life and work
• Strength of liability evidence
• Comparable case outcomes

There’s no exact calculator, but experienced attorneys use patterns from past cases to estimate a reasonable settlement range.

Why Online Settlement Calculators Are Misleading

Many websites promise quick answers, but they rarely account for:

• Long‑term medical needs
• Future lost income
• Insurance company behavior
• Unique personal circumstances

Your case is unique—and deserves more than a generic estimate.

When to Speak With an Attorney

f you suffered injuries in a car accident, slip and fall, workplace incident, or any situation caused by someone else’s negligence, a consultation can help you understand your rights and the true value of your claim. Most personal injury lawyers offer free consultations and only get paid if you win.