Personal Injury Calculator - Top 5 Questions For Calculating Your Car accident Claims

Accident - Personal Injury Calculator - Top 5 Questions For Calculating Your Car accident Claims

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Using a personal injury calculator can help you shape out how much your car accident claims are worth. Here are the top 5 questions population ask about calculating the value of their auto insurance settlement.

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1. How Does the Personal Injury Calculator determine my Car accident Claim?

The most basic recipe that is known to be used for car accident injury claims is:

Pain Multiplier X medical Expenses + Loss of Income

The "pain multiplier" is a estimate typically between 1.5 and 5. This multiplier estimate is chosen based on the severity of your car accident injuries; the more serious your injuries, the larger the multiplier.

For example, a minor injury like a sprained neck is more likely to get a low multiplier (1.5-3). While a more serious and painful injury, like a broken leg, would get a higher multiplier (3-5). The multiplier range may even go to higher figures (10) for more severe and long term injuries.

The next thing that is included in the claims recipe is your medical expenses, also known as "special damages." These expenses include the cost of your medical treatments, visits to the hospital, ambulance ride, X-Rays, pain medication etc.

The final thing that is added in your insurance settlement is your loss of income. This refers to the estimate of income you lost as a corollary of your injuries. For example, if your injuries forced you to stay home from work, then your lost income would equal your daily pay rate times the estimate of work days you missed.

2. When Should You Use a Personal Injury Calculator?

The best time to use the injury calculator is at the end of your medical treatment. You should always have your injuries fully diagnosed and examined before filing an injury claim. This gives you a more spoton evaluation of your total medical expenses that should be included in your final settlement.

3. Who Should Not Use the Personal Injury Calculator?

Most personal injury claims involve minor injuries that do not wish you to immediately hire an expensive lawyer. For these types of claims, you should use the injury calculator to get a rough evaluation of what your auto accident settlement might be worth.

However, there are insurance claims which cannot be handled without the help of a skilled injury lawyer. These types of car accident claims involve more serious and long term injuries like permanent disabilities, lost or severed limbs, traumatic head injuries etc. If you were severely injured, your best selection is to meet with a lawyer who is well-known with claims associated to your definite injuries.

4. How spoton is the Personal Injury Calculator?

The injury calculator does not give you the exact final settlement, but an initial evaluation of how much your injuries are worth to the insurance companies.

Many population would argue that the injury calculator is too simplistic. That it does not address the complexities and subtleties of an individual's personal injury claim. Others are quick to bring up Colossus, a sophisticated software agenda used by the insurance companies to value insurance claims.

However, the biggest advantage of using the personal injury calculator is not to tell you what will be your definite settlement amount. The biggest advantage is to help you understand how your definite settlement estimate will be calculated. The settlement calculator emphasizes that the range of your final settlement estimate will be primarily based on:

The seriousness of your injuries. Your total medical costs. Your lost income.

These are going to be a key factors in your injury settlement regardless of which definite software agenda you use.

5. Should I Use the Personal Injury Calculator?

You will always have the selection of bringing in a lawyer added down in the claims process. The best advice is to use the settlement calculator to get a quick evaluation of what your auto accident claims can be worth.

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