Settlement ranges, damages calculations, and what insurance companies do not want you to know.
438 guides — showing 1–24
Most personal injury cases resolve between six months and three years from the date of the injury. Soft-tissue cases that settle pre-suit often close in six to nine months. Cases involving surgery, disputed liability, or filed…
A personal injury settlement is a written agreement to resolve your claim in exchange for money. The defendant (usually their insurance company) pays you a lump sum, and in return you sign a release giving up…
Every settlement decision is a math problem: the offered amount today versus the expected value of trial after costs, fees, time, and risk. A $200,000 offer beats a 50% chance at $300,000 if your attorney is…
Pain and suffering is the legal term for the non-economic damages that compensate you for the physical pain, mental anguish, anxiety, embarrassment, and loss of enjoyment of life caused by an injury. Unlike medical bills and…
A contingency fee is exactly what it sounds like: the lawyer's fee is contingent on a recovery. If you do not win or settle, you pay no attorney fee. If you do recover, the attorney is…
Major insurers use claims software (Colossus, Claim IQ, and proprietary tools) that scores every claim on dozens of variables. The output is a target settlement range. Adjusters negotiate within that range, not based on what is…
Twelve states use a no-fault auto insurance system: Florida, Hawaii, Kansas, Kentucky (choice), Massachusetts, Michigan, Minnesota, New Jersey (choice), New York, North Dakota, Pennsylvania (choice), and Utah. In a no-fault state, your own insurance pays your…
What a personal injury demand letter actually does A demand letter is the formal opening move of every personal injury settlement negotiation. It is the document your attorney sends to the at-fault party’s insuranc…
Why Car Accident demand letters are differentA Car Accident demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and the verdict-com…
Why Slip and Fall demand letters are differentA Slip and Fall demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and the verdict-c…
Why Medical Malpractice demand letters are differentA Medical Malpractice demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and t…
Why Workers' Compensation demand letters are differentA Workers' Compensation demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, a…
Why Dog Bite demand letters are differentA Dog Bite demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and the verdict-comparable …
Why Product Liability demand letters are differentA Product Liability demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and the v…
Why Motorcycle Accident demand letters are differentA Motorcycle Accident demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and t…
Why Truck Accident demand letters are differentA Truck Accident demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and the verdict…
Why Wrongful Death demand letters are differentA Wrongful Death demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and the verdict…
Why Pedestrian Accident demand letters are differentA Pedestrian Accident demand letter follows the same eight-section structure as any other personal-injury demand, but the liability theory, the medical narrative, and t…
Demand letters in Alabama: what is differentAlabama’s personal injury demand letters follow the national eight-section template, but several Alabama-specific rules dramatically affect drafting strategy: the 2-year …
Demand letters in Alaska: what is differentAlaska’s personal injury demand letters follow the national eight-section template, but several Alaska-specific rules dramatically affect drafting strategy: the 2-year sta…
Demand letters in Arizona: what is differentArizona’s personal injury demand letters follow the national eight-section template, but several Arizona-specific rules dramatically affect drafting strategy: the 2-year …
Demand letters in Arkansas: what is differentArkansas’s personal injury demand letters follow the national eight-section template, but several Arkansas-specific rules dramatically affect drafting strategy: the 3-ye…
Demand letters in California: what is differentCalifornia’s personal injury demand letters follow the national eight-section template, but several California-specific rules dramatically affect drafting strategy: th…
Demand letters in Colorado: what is differentColorado’s personal injury demand letters follow the national eight-section template, but several Colorado-specific rules dramatically affect drafting strategy: the 2-ye…