How do you calculate how much a personal injury claim from a car accident should be?

I was a passenger involved in an accident that was the other driver's fault. My arm was broken in an awkward place and my doc says it may not heal. He's ordered a bone growth stimulator to help the healing process but my care is far from being over. The doc also thinks I may have to go back to surgery in a year to remove the plates he put in. i'd be in a cast again for 6 weeks. My bills are already over 15k and I'm wondering if I can just go for the other person's limits so that I don't go into debt. I don't want to settle too soon but if there is a max that I can get anyway I would prefer to get this over with. Also, if my claim is higher than the other person's limits would the underinsured coverage from the driver of the vehicle I was in pay up to her limit?

Asked By: Nisha T - 7/16/2007
Best Answer - Chosen by Asker
First, if there was a magic formula to calculate someone's injury settlement 1) I would not have a job and 2) it would make my life easier... More
Answered By: bundysmom - 7/16/2007
Additional Answers (3)
that is why you hire a personal injury lawyer
Answered By: bryan k - 7/16/2007
"Also, if my claim is higher than the other person's limits would the underinsured coverage from the driver of the vehicle I was in pay up to her limit?" Answer is YES.
Answered By: litl_green_monster - 7/16/2007
you need a lawyer for this,they will be able to figure your loss,and also allow for future losses as well,plus all medical expenses occurred while off from work,never try and handle something like this on your own,the insurance companies have lawyers working for them,and so should you,i wouldn't attempt to try and... More
Answered By: dodge man - 7/16/2007
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