There are a multitude of factors that go into how much a case will settle for. First, we need to establish liability. If there is a question of liability, insurance companies will not be as likely to settle, or the settlement amount will reflect the question of liability. Insurance companies will not agree to pay more than their liability limits. As an example, if the defendant in a case only has $25,000 worth of insurance coverage, the insurance company will not settle for a larger amount. If there is excess loss, we will need to collect from the defendant, themselves. Next, we need to calculate the total of all claimable damages (medical expenses, lost wages, loss of consortium, pain and suffering, etc.). Insurance companies will try to reduce values by claiming over-treatment or pre-existing conditions. Ultimately, the client’s needs and risk aversion will dictate the final settlement. We will advise you on potential trial outcomes after each offer. Our goal is to help you present your claim and make the best, informed, decision for your future.