Contact An H&M Attorney
(618) 641-9189
blog home Personal Injury What Is Your Personal Injury Claim Worth?

What Is Your Personal Injury Claim Worth?

By John Hipskind on June 4, 2015

It is difficult, if not impossible, for any attorney to tell you what your personal injury claim is worth without first having a complete understanding of the facts of your case, reviewing all of your medical records, learning about your lifestyle, and knowing what your injuries have cost you and will cost you in the future.

Is My Personal Injury Claim Worth the Average?

Generally, an attorney will tell you that your personal injury claim is worth three times your medical expenses. For example, if you were injured in a car accident and your medical bills after your treatment concluded totaled $20,000, then your potential recovery, which would include pain and suffering, would be around $60,000. This is a myth; many cases are worth far more than three times medical expenses, and some are worth less.

For example, a younger person with permanent or long-term injuries will command a higher recovery than an older person with similar injuries. Likewise, a person who is an avid golfer who suffers an arm injury will likely command a higher recovery than a less active person. Consequently, it is impossible to determine a personal injury claim’s worth without first having a thorough understanding of you and your case.

What Is Modified Comparative Fault?

It is worth noting that in Illinois and Missouri, an injured person is still entitled to recovery even if he’s partially at fault. Illinois and Missouri are “modified comparative fault states,” which means in plain English that if the other party is over 50% at fault you win, but your recovery is reduced by your level of fault. Conversely, if you (the injured party) are over 50% at fault, you are not entitled to recovery.

Oftentimes, it is the insurance company of the party at fault who initially attempts to determine the level of fault attributable to each party. As you might imagine, insurance companies routinely attempt to place blame on you (the injured party) in order to devalue your injuries or, potentially, avoid paying your claim altogether. Remember, the insurance company’s goal is to pay out as little as possible, not to fairly compensate you for your injuries.
If your case proceeds to trial it is the jury’s job to attribute fault to each party. However, it is imperative to have a personal injury attorney at your side every step of the way to fight with the insurance companies to obtain the maximum recovery you are entitled to.

Experienced Belleville, Edwardsville, and St. Louis Personal Injury Attorneys

At Hipskind & McAninch, LLC, we have over 10 years’ combined experience working at some of the largest civil defense firms in the St. Louis area. Consequently, we know how insurance companies evaluate personal injury claims and how they engage in legal gamesmanship to reduce or eliminate an injured client’s potential recovery. We use that knowledge and our experience to ensure that each and every one of our clients receives the maximum recovery he (or she) deserves.

Related Articles:

Posted in: Personal Injury

Give us a call at (618) 641-9189

We’ll talk about your options, and
get you the justice you deserve.

Discuss your options with
the H&M team, free.


All submissions are confidentially
reviewed by an H&M attorney.

  • …Brady was easy to communicate with and available to speak with during non-business hours
    - Cassandra Sissom on google

  • …He educated me on my options so I could make the best decision for me and my family…
    - Lashone Muldrow on google

  • …To say he works hard to ensure the rights of his clients are upheld is an understatement…
    - Eleanor Stegall-Hughes on google

  • John was a Godsend for me. He worked with me on my divorce and got me everything I needed…
    - Jennifer Poenitske on google

  • …Brady was easy to talk to and made sure I knew everything about the case as it progressed…
    - Nicholas Gaebe on google

  • …Truly the best help I have ever received and I couldn’t be more thankful for your dedication…
    - Jordan Vartanian on google

  • …I couldn't have had a better person to help me out in such a critical matter…
    - Dane Stotts on google

  • …He helped me and my wife with a case we thought we would never win. Thank you very much
    - Branden Honchel on google

  • …All of my goals were achieved in such a timely, professional, friendly, and diplomatic manner…
    - Michael Lirios on google

  • …It makes you feel good when your attorney listens and takes your opinion into consideration…
    - Sharon Miller on google

  • …I will absolutely use this firm should I need additional representation in the future…
    - Lisa Kortkamp on google

  • Takes a personal interest in your case with speedy results. Very much appreciated…
    - Vanessa Johnson on google

Discuss your options with
the H&M team, free.


All submissions are confidentially
reviewed by an H&M attorney.