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Posted on December 27, 2018 by

How Does an Insurance Company Determine Pain and Suffering Settlements

When you’re in a car accident, you’re often at the mercy of the insurance company. It’s their job to determine how much you are owed as compensation, and this amount should include an amount for your pain and suffering. But the question is, how is that figure determined? It’s important to understand how they come to an exact number.

Insurance Companies and Determining Pain and Suffering

First, please know that there are no hard and fast rules that insurance companies need to follow here. Pain and suffering involves anything you experience that covers:

– Your physical pain

– Your emotional pain

– Your grief

– Your worry

– Loss of enjoyment of your life

Insurance companies may take a look at the total amount due in medical bills and then multiply that amount by a number between one and five. This will depend on the severity of the injury. The number they get is the amount offered for pain and suffering.

Is Pain and Suffering Negotiable?

Absolutely. St. Louis personal injury attorneys are very good at negotiating the amount offered for pain and suffering. Typically, insurance companies will try to offer a lower number than what should be offered, and a lawyer understands this and can fight for proper compensation.

Your St. Louis personal injury attorneys will fight for the pain and suffering compensation that you rightfully deserve. Please don’t hesitate to get in touch so we can help you.