There are several elements of damages you can recover if you are injured in an accident. The three main areas of damages are 1) medical expenses related to the accident, both those bills incurred in the past and medical expenses you will incur in the future, 2) lost wages, both in the past and the future, and 3) past and future pain and suffering. Insurance companies use a variety of methods to decide what a claim is worth. Obviously, the severity of the injury is the key factor.
The more serious your injury is, the more money your claim is worth. However, insurers also place significant weight on the amount of medical bills and lost wages you can prove. Generally, they will offer more money when these economic damages are significant.
There are many factors that must be evaluated to determine how much your claim is worth. An experienced personal injury attorney can help settle your case for a fair value. Before negotiating with an insurance company, it is always a good idea to call an attorney who will give you a free consultation.