Injury Claim and Settlement Blog
Plain-language articles on how injury claims are valued, negotiated and paid. Every article links to the calculator it explains and cites the rules behind it.
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How Injury Settlements Are Calculated
The formula insurers start from, what moves the multiplier, how fault and policy limits cut the number, and what you keep after fees.
Latest articles
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Workers’ Comp or a Personal Injury Claim: Can You File Both?
When a third party caused a work injury, and how the two claims interact.
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What to Do in the First 72 Hours After a Car Accident
The records and decisions that protect a claim before you talk to an adjuster.
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How to Write a Demand Letter to an Insurance Adjuster
What to include, what to leave out, and how to set your opening number.
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How Medical Liens Shrink a Settlement, and How They Get Reduced
Hospital, health-plan and Medicare liens, and the steps that lower them.
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No-Fault States: When You Can Sue for Pain and Suffering
How PIP pays first and what it takes to step outside the no-fault system.
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Comparative Negligence by State: How Fault Changes the Payout
Pure comparative, 50% bar, 51% bar and contributory rules, with worked numbers.
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Policy Limits and UM/UIM Coverage: Who Pays When the Other Driver Is Underinsured
How liability limits cap a claim and how your own coverage fills the gap.
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Should You Accept the First Settlement Offer?
How to read a first offer, what a release gives up, and when to counter.
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The Pain and Suffering Multiplier, Explained
Why one claim gets 1.5× and another gets 4×, and the records that move the multiplier.
Read it, then run your own numbers
Each calculator applies your state’s fault rule, deadline and insurance minimums.