There tend to be general patterns as to how insurance companies value an injury case. You don’t have control over some factors that affect those patterns, including:
Your injuries. Serious injuries result in more medical expenses and significant "pain and suffering" damages—which generally lead to higher payouts.
The defendant’s insurance policy. Obviously, the insurance company won’t offer settlements over the policy limits.
However, our survey results point to several things you can do that significantly affect the likelihood of a successful outcome as well as the amount of compensation you might receive: hiring a lawyer, negotiating settlement (rather than simply taking the first offer), and taking steps to involve the court.