How does a person figure out a money amount to settle with an insurance company for pain and suffering?

I was a passenger in a car that hit a house. I lost my tooth and have constant back pain and a few scars. I do not want to get a lawyer. How is the best way to a person comes up with a figure to settle with?? PLease help.


thanksHow does a person figure out a money amount to settle with an insurance company for pain and suffering?
That's pretty impossible. It really depends on the drivers auto policy coverages. Say he has a 15k limit...thats the most they will offer. With this type of accident, you really should get a lawyer. Or at least speak with his/her insurance company to get info.How does a person figure out a money amount to settle with an insurance company for pain and suffering?
Bodily Injury does not cover passengers in the car which caused the accident. Essentially, the driver is not liable for causing your injury since you were a passenger in his/her car. If the vehicle was a taxi, bus, or other commercial entity, it would be a different story.





He/she is not responsible for your injuries if the car is in an accident. If his/her policy has medical coverage, it can be used for passengers in the vehicle. However, medical is an optional coverage only and the standard coverage for it is around $5,000.
Consult a lawyer.

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