This is part of our continued coverage on my wife’s injury claim with Progressive
After completing her therapy with a local chiropractor, we gathered all of the medical bills and records from the hospital and the chiropractor. The total amount of the medical bills was just over $3,800. I put all of the bills and records in chronological order and put a soft demand letter together and faxed it all over to the adjuster.
Part of our weekly series of case studies of recent car accident settlements. These case studies should help you determine the market value of your personal injury insurance claim. The finer details have been kept out to protect the identity of the individual, but the overall details are accurate and true.
Case Study
Gender: Female
Age: 20’s
Type of accident: Female was hit from behind at a stop light and pushed into the car in front of her
At-fault insurance company: Nationwide
Part of our weekly series of case studies of recent car accident settlements. These case studies should help you determine the market value of your personal injury insurance claim. The finer details have been kept out to protect the identity of the individual, but the overall details are accurate and true.
Case Study
Gender: Male
Age: 30’s
Type of accident: Male gets t-boned while driving through an intersection
At-fault insurance company: State Farm and Allstate
When negotiating your personal injury claim with the insurance adjuster, it boils down to how much you value your personal injury claim vs. how much the insurance company values your injury claim. It’s really quite simply, you were injured and had your life adversely affected by the negligence of some other driver. You incurred medical expenses and other costs due to your injury (aka. special damages). On top of that, you were unable to perform some of your normal daily activities and may have missed out on what life had to offer you during those months you were injured (aka. general damages or pain and suffering). When you add the value of your special damages along with your general damages, you get the value of your personal injury claim.
Part of our weekly series of case studies of recent car accident settlements. These case studies should help you determine the market value of your personal injury insurance claim. The finer details have been kept out to protect the identity of the individual, but the overall details are accurate and true.
Case Study
Gender: Male
Age: 20’s
Type of accident: Male stopped at a red light is hit from behind and pushed into the car in front of him
At-fault insurance company: Allstate
Part of our weekly series of case studies of recent car accident settlements. These case studies should help you determine the market value of your personal injury insurance claim. The finer details have been kept out to protect the identity of the individual, but the overall details are accurate and true.
Case Study
Gender: Male
Age: 20’s
Type of accident: The defendant ran a stop sign and collided with the male
At-fault insurance company: Allied
This question is raised all the time. People want to know what they can expect to get from their accident settlement. Though there are definite patterns and averages for settlements, there are many variables within those patterns that will determine the value of your specific claim. Here are a list of things that can have an influence on the value of your specific claim:
1. What adjuster do you have working on your claim? Every adjuster evaluates claims slightly different. You may get an adjuster that is extremely tight with their evaluation or you might get an adjuster that is a little loose with their evaluation. Every person will see your claim slightly differently.
2. What kind of treatment did you receive for your injuries? Different forms of therapy are worth different amounts to insurance companies. Picking the right type of therapy will increase your chances of getting a little bit more in your settlement.
Part of our weekly series of case studies of recent car accident settlements. These case studies should help you determine the market value of your personal injury insurance claim. The finer details have been kept out to protect the identity of the individual, but the overall details are accurate and true.
Case Study
Gender: Female
Age: 30’s
Type of accident: Female was rear ended and had her car totaled out
At-fault insurance company: State Farm
Part of our weekly series of case studies of recent car accident settlements. These case studies should help you determine the market value of your personal injury insurance claim. The finer details have been kept out to protect the identity of the individual, but the overall details are accurate and true.
Case Study
Gender: Male
Age: 20’s
Type of accident: Male was a pedestrian hit by the at-fault driver
At-fault insurance company: Farmers
Everyone wants to know exactly how much their personal injury insurance claim is worth. Guessing the exact amount that your injury claim is worth is like predicting the winning numbers to the lottery. However, you can see trends with insurance companies and begin to get a good range that your claim might be worth.
The first thing to understanding how much your claim is worth is to break your claim down into two categories. The first category is your property damage. The more damage to your vehicle, the more likely you are seriously hurt. This isn’t always the case because cars are safer than they have ever been, but it is a good indication to the insurance company that you are more likely to be hurt in a serious accident versus a minor accident.
The second category is your actual medical treatment and therapy. This is the bulk of your evidence and where you really start to determine how much your accident claim is worth. If you have $500 in medical bills and you make a good recovery, your claim probably isn’t worth much more than just your medical bills. However, if you spent 3 days in the ICU and 6 months in recovery with 2 major surgeries and $60,000 in medical bills, your claim is obviously worth a lot more. The next step in determining the value of your injury claim is figuring out how the insurance company values your evidence and offers you pain and suffering for your injuries.
DISCLAIMER: The information contained on this website is intended for general use and should not be considered legal advice. Discretion is advised.
