Factors That Affect the Value of Your Personal Injury Claim

As personal injury attorneys, some of the most common questions we hear from our clients are “How much is my case worth” or “How will my case be valued?” While this may seem a simple enough question, it is nearly impossible to determine the value of a case during the initial consultation. 

Calculating damages is not as simple as plugging numbers into a settlement calculator. The potential value of a case varies significantly, as it depends on many different factors, including medical expenses, insurance coverage, and other areas of damages.

Medical Costs 

One of the most critical factors in a personal injury case is receiving adequate medical care, which can become costly. Because insurance companies only have to compensate for reasonable medical expenses, no case should be settled before you’ve received all necessary medical treatment and the costs associated with treatment for your injuries.

Severity of Injuries

Another important determining factor for a case’s value is the severity of the injuries. In addition to medical bills, insurance companies will also look at the permanence of injuries and how likely the victim’s quality of life will be affected. Those who sustain catastrophic injuries, such as a spinal cord injury, are likely to receive a higher settlement amount.

Certainty of Liability 

Liability will make a significant difference in a settlement outcome. Generally, if it is clear and can be proven that the other party was liable for the said accident, then they are responsible for reimbursing the injured party for all expenses, and compensation is more straightforward. 

Insurance Coverage

The insurance company is only required to pay up to the policy’s limit. If the at-fault party carries minimum coverage, or worse, is uninsured, your ability to collect full compensation will be very limited as most defendants cannot afford to pay total damages out-of-pocket.

Strength of Evidence

Sufficient evidence is essential in any personal injury claim. To prove the total value of the claim and the other party’s liability, you will need an experienced lawyer who can acquire the evidence necessary to support your claim and help you receive total compensation.

Other Factors May Include:

• Where the incident happened

• How long it takes you to recover

• Loss of income

• Level of emotional and psychological trauma

• Damage to the property, such as your vehicle


Often, people underestimate the impact an injury will have on their lives, or perhaps they don’t think it is worth the trouble of making a claim. Our personal injury attorneys at Smith Injury Law are prepared to fight for you, allowing you to focus on your recovery and get back to your life. Please fill out our online form or call 864-300-4878 today to schedule a consultation to discuss the details of your case.

Disclaimer: Principle office is located at 1210 Laurens Rd, Greenville, SC 29607. No fee unless the case is settled or won; costs may be excluded.

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