Auto Insurance Claims: car accident, whats my injury worth?


Question
I was backed into in a grocery store parking lot. The guy told the police that he was at fault and it states that on the police report.I hurt my back and re injured my right ankle in which i had surgery on about 10 years ago.I have been in therapy for about a month now. My back is a little bit better but my ankle is still swollen. My lawyer said that farm bureau has offered me about two thousand $. I think that is bull. How much should i received or at least ask for.

Answer
Bennie,

   I don't know enough about you or your injuries to answer your question.  Here's my best shot at assisting:

Most injuries that are not severe settle for about 2 to 2.5 times the amount of the needed medical costs.  If you had therapy on an injury where it is not customary, they can argue that portion was not needed and refuse to pay.  Most of the time, if they refuse to honor medical bills from an actual doctor, then they have to have a "peer" doctor say that the treatment/cost was not medically necessary.

Also, consider that if you are a jogger, your ankle injury would cause you more disruption than if you are a computer programmer or retired.  That's just an example, but I hope it makes sense.  Look up Petty Details if you need further help, you just have a common question that is very hard to answer.  Each person suffers differently so I would need to discuss it directly with you to feel you out and give you a good idea of my opinion on the value of your claim.

I assume you have somewhere in the range of $1500.00 to $2000.00 in costs right now, so I would at least expect you to see $3.5 to $4k.  Sorry no magic answer, I hope this helps.