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Insurance Settlement Calculator for Personal Injury

Surrey ICBC Lawyer > Personal Injury  > Insurance Settlement Calculator for Personal Injury

Insurance Settlement Calculator for Personal Injury


In our daily life, we all want a happy life, and for that, we do jobs, earn money, buy houses and cars, but there is no guarantee that everything will run according to our wishes. A very happy, peaceful person can turn into a gloomy person within a second.

Imagine a good rider is riding a bike what happed next if any accident occurs. Insurance on us or our property will take that hazard or minimize it. If someone did insurance and accident happened, he could claim economic losses. Some key calculators work behind that claim. So, let’s learn what the insurance settlement calculators for personal injury are. 

Insurance settlement calculator for personal injury

To get money for personal injury, negotiation is the first step. Many insurance companies or firms work that issue. It isn’t easy to determine the claim for harm because it varies nationwide and very confidential to settle.

Furthermore, the expected money is sometimes difficult to fix because of its high degree of uncertainty and some key issues. These issues are involved in defining demand.

Types of damage

This covers a huge area of personal injuries like an automobile accident, dog bites, maltreatment, and so on. 

Measurement of injuries

The more damage will occur, the more money can be asked. If the property is involved in a minor fender-bender and walks away fine, you might get less amount of money. 

Key personal settlement calculator

It has already mentioned before that an acute amount of compensation is difficult to fix. We may not get on what we expect at the outset of the case. But some criteria will help to determine the amount. Adding them up, we can determine the amount.

Medical expenses

In case of any individual harm, the medical term comes first. Medical injury on a personal issue is a crucial factor that cut huge expenses. If this loss is highly complex and more serious, you may ask a vast amount of return. Personal loss or harm to other medical bills also included here. 

Future medical expenses

If the harm is more serious, this will require more attention to solve. Further medical expenses like surgery, medication, and therapy are also included here. 

Inability to work

You can claim more money depending on the injury and incapability of doing work. If your damage falls effect in the long run and results in the incapability of doing jobs. This loss will create a way to ask for huge compensation.

Future income loss

It is quite like medical expenses. If you had a serious blow and it results in an extended period, you may claim more which you lost during the time of injury. 

Property damage

This is a common form of calculator that occurs every personal harm. Any loss you have to pay to Personal property (house, car, bus, truck, bike), you may pursue compensation for these expenditures.   

Discomfort and misery

This is the most complex part of determining loss that has no degree of certainty. Pain and suffering can also be a part of compassion. This covers not only mental but also physical discomfort. Even, this also includes the enjoyment or love which is lost after death. 

Since this part is very difficult to calculate, some key factors help to determine this. This encompasses a board type of anguish. These include

Physical discomfort

Serious road accidents like speedy vehicle collision may result in lifetime injury. This injury will bear huge physical pain that can never be measured. 

Mental disorder

Serious accidents sometimes lead to mental disorders that you may take them in your whole life. Memory losses, fear, Insomnia are a common form of mental disorder in personal injury. 

Physical limitation

Along with physical pain, you may be limited to doing work. You may not be able to do work like before. You may not run or lift your children, for instance. 

These are the issue that can’t be addressed accurately. But this category might help to determine the claim. 

The Multiplier

To measure pain and individual damage, several processes are available, but among them, the multiplier is a good way to fix them. Under this framework, economic losses and personal pains are included, which are multiplied by the number between 1.5 to 5. Five denotes the worst damage. For instance, if a case results in 5000 dollars and the damage occurs 3, then the total compensation be 15000 dollars. 

The majority of us always think that the defended isn’t responsible for any accident; rather, the plaintiff is fully responsible. But in some cases, both parties are responsible even the defender isn’t right. For example, a drunk driver is driving a car.

On the other hand, a truck driver suddenly moves the truck, and they crash each other. In this case, both of them are responsible because both of them were careless while driving. Different states or countries handle this as per their policy. These can be categorized into three parts.

  • Pure comparative negligence
  • Modifies comparative negligence
  • Contributory negligence

A layer might help you

Depending on your situation, it is more important to realize that you are the only one who concerns for your own interest. The insurance company or the organization which involves in may seek to give as little money as they can. So, in this term, you may hire a lawyer who helps you to claim the money from them. Experienced lawyers can help you in three ways.  


A personal injury lawyer will investigate the real scenario. They review all photos, videos, facts, and police reports to find out the actual facts. It is challenging to examine, but an experienced lawyer knows how to deal with them and where to start. 

Statement with companies

A statement to an insurance company sometimes poses a problem during the time of communication. The lawyer knows very well what to say or not to say.


To say a good lawyer will always support you to have the highest amount of claim. 


We do insurance to secure our life and minimize losses. Risk is everywhere that we lead our life with them. In case of a particular injury, taking money becomes difficult as the measurement of insurance settlement calculators for personal injury may not easy to calculate. In this matter, an experienced lawyer may help to take that claim.



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