Lawyer Matchmaker: How Much is Your Injury Worth Without Asking an Attorney

Find Out How Much Your Injury Is Worth Without Asking A Personal Injury Lawyer

What Formula Personal Injury Lawyers Find May Be Used To Compensate Injured Victims


You’ve been injured due to the negligent act of another and are looking to get compensated for your trouble.  What is your lawsuit worth? Millions? Thousands? Below are some general guidelines to help you find your estimated case value. Regardless of whether you’re handling your own case or have a personal injury lawyer, this will help you find your way. These guidelines are not a guarantee of actual case value since awards may be based on things not listed below.


Four things to look at when estimating your case value:


  • Insurance Limits
  • Current Medical Bills
  • Lost Wages
  • Future Medical Expenses



Insurance Limits – Find the limits of all “at fault” party’s insurance policies. Your recovery will usually be limited by these amounts regardless of how badly you’re injured since most personal injury lawyers don’t typically go after personal assets since they are hard to collect upon. If you have underinsured/uninsured motorist or an umbrella policy, find the coverage amounts on your declarations page since that may add to your recovery.


  • Example 1: You are the only driver in a car and got rear-ended by another vehicle and do not have any uninsured or underinsured motorist coverage.  You find that the “at fault” driver has state minimum coverage’s which is 15,000 per person/$30,000 per incident.  This means that their insurance company will pay a maximum of $15,000 per injured individual or $30,000 total.   Since you’re the only one involved your recovery is limited to $15,000.


  • Example 2: You’re a pedestrian walking across a cross walk when the sign said, “Walk” and got hit by a semi-truck.  You find that the semi truck has a commercial policy of $1,000,000 and you carry umbrella insurance of $250,000.  Your recovery is limited to $1,250,000.



Current Medical Bills – The value of your case is based on the level of your injury and how much treatment you receive. If you do not seek treatment, you’ll find that it may diminish your case value.  Insurance companies may pay you 1-3 times of your total medical expenses. You will find on average that injured individuals get about 2 times medical expenses.


  • Example 1: You’ve been treated for a back injury, which includes chiropractic care, an emergency room visit, and an ambulance bill.  Your total medical costs are $5,000.  Your estimated average case value based on your medical bills alone would be $10,000 ($5,000 x 2).


  • Example 2: You’ve been treated for a back injury, which includes chiropractic care, an emergency room visit, and an ambulance bill totaling $5,000. You tore your rotator cuff, which required a minor surgery costing $7,000 that you followed through with. Back surgery was recommended at a cost of $25,000, but you don’t follow through. Your estimated average case value based on your medical bills alone would be on average be $24,000 ($5,000 + $7,000 x 2).  If you received the back surgery your case value would have increased to $74,000 ($5,000+$7,000+$25,000).


 Lost Wages – You are entitled to a recovery of your lost wages while injured. Lost wages are usually averaged based on a two years of your reported income to the IRS. Find your previous 2 years income taxes and average your monthly income. If you didn’t file tax returns, you’ll have to prove how much you‘ve been earning.


  • Example 1: Last year you find that you reported $40,000 in income and the year before $32,000.  Your monthly average is $3,000 ($40,000 + $32,000/24).  You’ve been out of work for four months and the doctor agrees that you couldn’t work for these four months.  Value of lost wages is $12,000 ($3,000 x 4).  Note: there is no guarantee that you’ll get 100% of your lost wages paid and often times you’ll find that the insurance company will only pay a percentage of your lost wages.



Future Medical Expenses – You are entitled to recover future medical expenses assuming that there is sufficient coverage.


  • Example 1: You have an internal medical device installed that interacts with your nervous system to diminish pain.  This device requires annual maintenance at a cost of $30,000.  The findings from a life expectancy state that you’ll live another 32 years.  The estimated value of future medical expenses is $960,000 ($30,000 x 32).



Find a quality personal injury lawyer when pursuing your matter since going at it alone will likely be troublesome. The personal injury lawyer you choose is the single most important decision you’ll make on your case. Choosing a personal injury lawyer from an advertisement is risky since it gives you no insight into their capacity.


One option that many injured victims turn to for finding a quality personal injury lawyer in their area are free lawyer referral services.  One free lawyer referral service we recommend is Lawyer Locator.  Their lawyer referral service experts have evaluated thousands of lawsuits and personal injury lawyers’ throughout the years.  Once they learn the details of your case and complete some necessary due diligence, they will promptly provide you with a carefully chosen personal injury lawyer referral.   Lawyer Locator is located at 8711 E. Pinnacle Peak Rd. #315 Scottsdale, AZ 85255 and can be reached by calling 800-220-0114 or by visiting


By |2017-01-01T11:32:59+00:00February 8th, 2013|Lawyer Matchmaker|Comments Off on Lawyer Matchmaker: How Much is Your Injury Worth Without Asking an Attorney
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