In cases where the liability is clear, insurance companies recognize that people who are injured deserve compensation. However, the insurance company will most likely make a “lowball” offer at first. With the help of an experienced attorney, this amount can be negotiated to be a reasonable settlement.

Insurance companies consider factors when calculating how much to offer for settlement of a pain and suffering claim. The factors include: the severity of the injuries; the pain associated with the specific type of injury; the impact on the victim’s life, job, and family; the necessary medical treatment; the length of time required for the injury to heal; and any future care, treatment, therapy, medications, or surgeries.

In practice, the factors considered by the insurance company are very subjective to each client. Each case is different.