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Auto Insurance Claims/Pain and Suffering
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Question
I was involved in an auto accident in January. My injuries required 9 visits to the doctor for over a month long period. In addition to my actual expenses what would be an appropriate amount or percentage to add to my claim for pain and suffering?
Hi Heidi,
I am not an attorney. My answer can not be considered legal advice, but simply a recommendation based on my past experiences of 47 years in the insurance industry and dealing with situations like yours by my own clients and people who ask similar questions on this board.
I have found that people who have recovered from minor injuries and have no long term issues usually demand an amount equal to at least 3.2 times their total 'actual expenses' as a starting point in the negotiation process with the adverse insurance company.
They are usually able to negotiate a settlement of 2.5 to 2.75 times their 'actual expenses' as total compensation for their expenses and pain and suffering.
I hope this information has been of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thank you so much for your help Bennie! This is a very helpful service -- and I greatly appreciate you taking your free time to assist people like myself. Have a good weekend. :) | ||
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Answers by Expert:
Bennie719
Expertise
I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.
Experience
Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license.
I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
Education/Credentials
not applicable
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