Kaip apskaičiuoti Personal Injury Settlement
Kas yra Personal Injury Settlement?
A personal injury settlement calculator estimates the potential value of an injury claim by combining economic damages (medical bills, lost wages) and non-economic damages (pain and suffering). Insurance companies often use a multiplier method or per diem approach.
Formulė
Settlement Value = Economic Damages + (Economic Damages × Multiplier)
- ED
- Economic Damages ($) — Medical bills, lost wages, property damage
- M
- Multiplier (factor) — Severity multiplier (1.5 for minor, 5+ for severe/permanent)
- CF
- Comparative Fault (%) — Percentage of fault attributed to the injured party
Žingsnis po žingsnio vadovas
- 1Total all economic damages: medical bills, future medical costs, lost wages, lost earning capacity
- 2Apply a multiplier (1.5–5x) based on injury severity for pain and suffering
- 3Alternatively, use a per diem (daily rate) method for pain and suffering
- 4Reduce by any comparative fault percentage and policy limits
Worked Examples
Įvestis
Medical bills $25,000, lost wages $10,000, moderate injury (3x multiplier)
Rezultatas
Economic damages $35,000 × 3 = $105,000 estimated value
Įvestis
Medical bills $5,000, soft tissue injury (1.5x multiplier)
Rezultatas
Economic damages $5,000 × 1.5 = $7,500 estimated value
Common Mistakes to Avoid
- ✕Accepting the first insurance offer without calculating full damages
- ✕Not including future medical costs and ongoing treatment
- ✕Forgetting to document pain and suffering with a daily journal
Frequently Asked Questions
What multiplier is used for severe injuries?
Severe or permanent injuries typically warrant a 4–5x multiplier or higher. Minor soft tissue injuries are usually 1.5–2x.
Does comparative fault reduce my settlement?
Yes. In most states, your settlement is reduced by your percentage of fault. In some states, being 50–51% or more at fault bars recovery entirely.
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