Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 13, 2012

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Insurance Question from North Bethesda, MD

Asked on 01/13/2012

What is a reasonable pain and suffering settlement? I was a passenger in a car that was rear-ended. I hit my head and was transported to the hospital for evaluation; released without needing additional treatment and experienced minor injuries - bruising and soreness for several weeks. I did not seek follow-up treatment. My medical bills were around $5,000 and the other party's insurance has offered $1,500 for pain and suffering.

Answer given on January 13, 2012

That sound a little low in my opinion.  There is alot that goes into a claim valuation–including degree of negligence, medical bills and even the value of the claim for the county and state in which you reside. Read our article How to Value Accident Settlements. This may help you determine a more accurate value. You can always go back to the insurance company with a counter offer as their first offers are always their lowest.  Start at your high end and work towards the middle.  If you do not feel comfortable working with the insurance adjuster on your own, consider consulting an expert injury attorney that can help you with the valuation of the claim as well as help you get the settlement you deserve.  Click here to find an attorney in your area.    


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