Wheel Medical
How much to expect for pain and suffering?
My mother just got into a bad car wreck-she was hit by a driver who ran a red light. She's having to spend two weeks in the hospital and will have at least 2 months of physical therapy. Her pelvic bone was fractured in many places so there will be a lot of physical therapy. But she will have to spend a couple weeks in a wheel chair and then on to using a cain until she is fully recovered. (other injuries included punctured and collapsed lung and broken collar bone).
How do we calculate the amount to ask for pain and suffering?
Someone said to take the amount of all medical costs and lost wages and times that by 2-and that's what to ask for. I'm not sure how all of it works and when the insurance company gives an amount to settle, how will I know if it is fair or not?
For years I have heard about using a multiplier on the special damages (her bills times 2, 3, 5, etc) to determine the settlement amount. This is not how claims are settled.
As for the help your agent can provide, that will depend on who your agent is. Some agents have a good understanding of the claims process. Others are just sales people.
It isn't often that I recommend this. It sounds like your mom's injuries are pretty severe. If she does not have much experience dealing with these types of matters, it might just be best to find a 'decent' lawyer. You are looking at complex issues such as underinsured motorist coverage and potential excess damages. The key is to find a 'decent' lawyer. He won't be the one with the big ad on the back cover of the phone book.
Good luck
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