The value of any personal injury claim is based on what the jury would award if the case went to trial. There are many factors which determine how much a personal injury claim is worth. These factors include the type of injury, type of treatment required, cost of the treatment, the amount of the lost wages, location or venue where the case would be tried and other factors.
If a personal injury claimant is not represented by a personal injury attorney, then they are at the mercy of the insurance adjuster. Without an attorney you do not know the value of your claim and cannot litigate if the adjuster does not offer you a fair settlement. Each case must be evaluated thoroughly to determine what a likely settlement value would be.