Understanding Personal Injury Claims & Compensation Valuation

What is the value of my personal injury claim?

There are a lot of factors that go into determining the settlement amount for a personal injury claim. Insurance companies look over several factors related to your case to determine your claim’s value.

Liability & Damages – Who Pays and What Do They Pay for?

The person who is liable for the accident, and therefore their liability insurance company are required to pay the damages for your claim. Many of these damages have traceable expenses like bills and include:

  1. Medical Expenses
  2. Income Loss from Missed Work
  3. Permanent Damage & Disabilities
  4. Property Damages


Pain & Suffering – Overview

The value of some damages, like pain and suffering or missed experiences/opportunities is calculated differently than the traceable expenses. For these damages, many insurance companies will use one of two methods: the multiplier or the per diem method.


Multiplier method:

An insurance company that uses the multiplier method to determine the value of personal injury claim takes the traceable expenses and assigns a multiplier number based on the severity of the injury. Historically speaking, this number is usually between 1.5 and 5, and sometimes higher, if the damages are more severe. Some of the factors that determine severity are:

  1. How obvious the fault of the liable party is.
  2. Severity of the injuries
  3. Strong evidence to support the claim of pain and suffering (Verified Documentation)
  4. How long the recovery period will be.


Per Diem Method

The Per Diem (“By the Day”) method assigns a certain dollar value per day to be paid over a plaintiff’s recovery period, until they reach a point called “Maximum Medical Improvement.” This means you have reached a point where your condition cannot be improved anymore. If a doctor says it is going to take 150 days to reach maximum medical improvement, and the insurance company assigned a Per Diem value of $100, then your pain and suffering damages would be $15,000.


Pain & Suffering – Verification Process

An insurance company needs to verify any claims of pain and suffering. This is typically done by corroboration from medical professionals such as doctors, therapists, & psychiatrists as well as personal accounts from friends and family.



Once an insurance company has calculated all the damages, they will make a settlement. If you are unsure whether the determined value of your personal injury settlement is high enough, you can always talk with an lawyer at the Scranton Law Firm. We provide legal advice for all personal injury cases, and our lawyers are here to fight for you if we believe you are being low-balled.

Call, Text or Email for a Free Legal Consultation

Contact our California personal injury lawyers for a free case review. Tell us about your injury and we will determine your next steps.

Scranton Law Firm Reviews

Amazing staff all around! They really know how to listen! Super fast results, clear communication. If you have an accident, these are the guys!!
Alex was amazing- super communicative and friendly! Highly recommend:)
I wanted to highly recommend Jamie Retmier at the Scranton Law firm. She is confident, responsive and some you can trust for guidance and direction....
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Me gusta como fueron tan amables conmigo y lo bueno que tienen a alguien que hable español. Muchas gracias Alex!
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I appreciate the way that Scranton Law Firm handled my case. Everything was done very professionally. The communication between them and I was always there and in a timely manner. I would definitely use Scranton Law Firm for any future case that I were to have
At scratton law firm I have always been satisfied in the past and at present With the outcome of my business. I would like to give A special thanks To Roman And his team For an exceptionally well done job on Our case. He is very efficient and pleasant And pleasure to work with Scratten law firm Thank you very much.
I want to take the time to thank Scranton Law Firm. All of their staff have been super nice with me and my family who were in need of legal assistance.
Jamie Retmier worked on my auto accident case and I got a good and fair settlement. My chiropractor was so pleased with their efficiency he dropped his attorney and got took his case to Scranton.
Jamie Retmier is the best! She worked with my insurance company when my car was declared a total loss. She worked with the other insurance companies and...
Lawyers that advocate for you and are knowledgeable in law.
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This was the first time I had to deal with a car accident and I am so blessed to have found Karl and Scranton law firm. They represented me well! I can't be...
Thank you so much to Scranton Law Firm especially Roman Gomez. He made my case zero stress, fast and managed to get me a great deal after I was hit by another driver. The company was reluctant to pay for the amount but thankfully these guys are knowledgeable, just and were able to fight for my rights. - Hector Mejia
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Took my case and handled everything kept me in the loop as things progressed. Asked me what I wanted took my opinion into consideration and called me when the job was done.
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Unfortunately I left a one star review for the wrong law firm, it was meant for Kuvara Law Firm.Mr. Louis G. Beary who is now in charge of my case has shown me more professionalism and take charge attitude which I find as an exemplary Attorney.
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So far so good .. Scranton was recommended to me through a friend. I was already going through a bad experience with another injury law firm. I spoke with...
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In 2019 I was involved in an automobile accident where the other driver ran a stop sign. I suffered a breastbone fracture which left me with agonizing...
Jamie R has been so very helpful in settling my automobile claim. Thanks to her for her calm demeanor and responsiveness. It nice to have someone to take...
Very personable
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Bob has been an excellent source of professional meets personalization. He listens and focuses on what’s at hand, which is you! Highly recommend him to whomever is in need of top notch representation.
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A no hassel experience. Pleased.
Very professional firm. My lawyer was Lou Berry. We worked well together.
Without the help of Scranton Law Firm I would never recovered a dime from my insurance company on a hit and run accident where the insurance company refuse to pay on a uninsured motorist policy they got them on a technicality and they had to pay up. Thanks Scranton Law Firm you guys are the best
Scranton Law firm did a great job with my case. All my questions were answered in a timely manner and always with a sense of urgency. My dad was recently in...
Great experience, will always recommend. Every question I had was always answered in a timely matter and with a sense of urgency.Thank you Scranton Law Firm!
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Great people who have your interest inhand. They work hard for you and get results.Thanks againCharles A. Akers
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