Examples of Personal Injury Settlement Amounts (2022 Guide) – Forbes Advisor


Having an attorney work with you during settlement negotiations is extremely valuable. After all, statistics suggest that more than 9 out of 10 cases your personal injury lawyer has worked on end up in settlements. This experience alone is invaluable.

Defense of your rights

When you are in personal injury litigation, the other side will have a team of legal professionals. The insurance companies on the other side of the table are going to be represented by lawyers who work on personal injury cases and personal injury settlements all the time.

If you don’t have a lawyer, you will be alone on the other side of the table.

Your personal injury lawyer’s experience and perspective can make a huge difference in reaching a favorable settlement. From the first meeting to discuss your case, they will learn the individual elements of your particular claim and find the best way to obtain a favorable settlement or verdict.

A lawyer will bring their experience to assess the value of your case and any settlement offer you receive.

Negotiate settlement offers

You may know all the details of your injuries as well as anyone, but there are many factors to consider when negotiating a settlement that may not come to mind. They will become second nature to your lawyer.

For example, do you know how to calculate lost wages during your recovery and possibly afterwards if your injury will have a permanent impact? Did you know that in some states, if an auto insurance company rejects a reasonable offer of settlement and loses the case, the company – not the driver – is required to pay all damages, even over the limit from the police?

This means that if you and your attorney make a good faith offer to settle for less than the limit, the insurance company has an incentive to accept.

If you work with a personal injury lawyer who specializes in a particular type of injury, as most personal injury lawyers do, they will have plenty of experience negotiating with various insurance companies. It’s even possible that your lawyer also has a relationship with the insurance company’s lawyers.

This isn’t to suggest some sort of inappropriate arrangement, but more frequent collaboration can lead to a respectful and relatively fair working relationship.

File or threaten legal action for bodily harm

If the initial settlement negotiations, which are often part of the claims process, fail, the claimant really has only one recourse, and that is to file a lawsuit. Lawsuits can be expensive and time-consuming, and insurance companies generally prefer to avoid them.

As mentioned earlier, there is a legal team representing most insurers. However, legal teams are not cheap and the longer a case takes, the more expensive it becomes.

As a non-lawyer, the company may not be too concerned about you filing a lawsuit yourself. However, if you have an experienced personal injury attorney working on your behalf, the threat of filing a lawsuit can become much more potent.


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