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How is my claim valued?

Basically, deciding how much your claim is worth boils down to how a jury would decide your case if it were to wind up in court. So for purposes of settlement, your first point of reference is how a jury would respond to the facts of your case. This includes your physical injuries, financial losses, and other special damages. You should then figure the cost to prepare and present the case to a jury and the value of the money between now and a trial date. If you try to represent yourself without an attorney, the insurance may or may not take your claim seriously, since you pose little threat of filing a lawsuit.

Both personal injury lawyers and insurance companies are constantly tracking the results of jury trials and insurance settlements to determine the current value of similar cases.

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