What Is The Average Settlement For A Car Accident In Your State Of USA?

The average settlement for a car accident: – A car accident is such an unfortunate incident that you cannot avoid if you are the owner of the car. At some point, you may have to go through the accident either by your fault or by the fault of others.

In such cases, the legal procedures that take place may be very lengthening, time-consuming that may create a nuisance in your life an that the life of the victim as well. In such a case, often two parties that are involved in the accident come into a common solution with mutual understanding.

Adertisement

Both of the parties that have been in the accident resolved to not take the case in the court and agree in compensating for the amount that both agree and are satisfied. For example, if the person is injured by your car because of your speeding, you are at fault.

car money
car & money

Then both of you agree to the arrangement that you will take care of all his expenses his treatment etc. So the victim doesn’t report or file a case in the court.

You, on the other hand, don’t have to g through any legal procedures. This whole arrangement taking place between the two parties so as not to involve any law or third party to aggravate the situation is called the settlement.

The same settlement happens also in the United States. A country where the largest number of car accidents happen, only a tiny number of incident reaches the court of law. As the situation is resolved outside of the court. People don’t tend to go to court because there may not be a favorable outcome for both the perpetrator and the victim.

However, in the USA regardless of their different rules of different states, the settlement takes place the insurance company(either of the guilty person or of the victim) and the person. Unlike in Asian countries like us where insurance companies are notorious for their services.


The car insurance laws in the United States

Almost all states in the USA need the drivers to carry their car insurance papers. There are two systems regarding the car accident liability depending on the state where the accident happens or where you are residing. They are:

  1. At-fault system

At fault, the system is the traditional insurance coverage system which makes the guilty person os the car accident responsible for the damage that has occurred. if you have proved that the other person or the driver was guilty or at fault then you can:

  • File insurance claim with your own insurance company
  • You can file a third-party claim with the guilty insurance company
  • You can file a case in the lawsuit however the other person can also counter sue you blaming you for the accident.
  1. No-Fault System

In this system, regardless of whose fault the accident happens, you can claim your insurance company for the economic damage that you have suffered, such as medical expenses, assets or possession damage, etc. Your insurance company will pay you according to the policy you have taken. You cannot sue the other driver as well and he cannot counter sue you as well.

You have to collect all the required information and proofs to support your claim. Such as medical records, a medication that you are on after the accident, the treatment receipts,  testimonies, photos and videos of the site of the accident, etc.

Then you can send the demand letter to the insurance company asking for the economic support for the recovery of your damage and health. The insurance company will then investigate for your claim and determine whether to accept your claim or decline.

If the insurance company happens to accept your claim, then it will give you the settlement offer. At this time, both parties that is one at fault and the victim comes to an agreement.

However, if the insurance company declines your claim, you have to appeal to the claim adjuster. You may have to file a lawsuit against the fault driver in the district court.


Types of a car accident settlement

When you suffer from the car accident you immediately file for the insurance claim so that it can compensate you rightfully at the right time not taking long.

When you file for the claim, you either claim in the insurance company of the culprit or you file for the claim in your own insurance company. Or you can even decide to claim in both the insurance companies to take the benefit from both.

Either you go yourself for claiming the insurance or you send your representative to the insurance company or you contact the insurance company representative.  Based on this method, the car accident settlement can be divided into two types:

  1. Direct settlement

If the victim or the innocent party goes to claim for the insurance from his own insurance company, the settlement so happen is called direct settlement. The victim or the injured car owner can also claim for the insurance from the perpetrator’s insurance company as well. This is also called direct settlement.

The main condition for receiving direct payments is the availability of policies with the option of direct settlement for two participants in an accident. In this case, an innocent driver can choose where to go for a refund. The amount of compensation is determined by the examination and does not exceed the limit established by law.

If people are injured in the accident, the culprit will deal with the settlement of the physical damage. The driver during the accident should be sober, however. The benefit of this type of settlement are:

  • convenience – no need to contact two companies;
  • reliability – there is no risk of contracting a bankrupt company or swindlers
  • efficiency – compensation is paid faster than applying in the insurance company
  • On the other hand, participation in a direct settlement agreement provides enormous benefits to insurers, whose policies promise to make life easier for their owners.

This can be done before receiving the payment if, for example, the insurance company to which he initially applied delayed the payment of compensation. Or estimated the damage to a lesser amount than the car owner expected to receive.

  1. Remote settlement

The remote settlement is called when in the event of a traffic accident, you do not need to go to the insurance company yourself to inspect the car and draw up all the documents.

Instead, it is enough to contact the representative of the insurer by phone and clarify the algorithm for further actions. Then, after drawing up the protocol, you can immediately take the car to a service center to hand it over for repairs and complete all the documents.

If hidden damages that were not noticed during the initial inspection are revealed during the repair process, they will contact their representatives on their own. The benefits of this type of settlement are:

  • No need to waste time on formalities immediately after an accident
  • The car can be taken to the service center as soon as possible so the entire restoration process takes less time

Process of a car accident settlement

In order to avoid long court lawsuits, often the parties involved in a car accident trues to settle outside of the court with the insurance company either on oneself or that of the other insurance company.

One of the objectives of settling for the accident with the insurance company is to prevent unnecessary nuisance and lengthy court procedures.

However, if you don’t know how to take the procedure f the car insurance settlement, the process of a few days can also take months. So it is better for you to know what you have to do in order for the car settlement with the insurance company.

  1. File a formal claim

The first thing you have to do is to file for a claim in an insurance company. If you are filing your claim in the insurance company, then it is called the third party claim. There is the facility of an online claim as well. However, the process is not that simple which you can do on your own.

So it is wise for you to hire an experienced traffic accident lawyer as soon as possible. it is better if you file for a claim as soon as the accident happens as the site of the accident, the damage to the assets or possession all will be the same. And it will be easier for the insurance company will investigate how real or legal your claims are.

You can also file a claim in your own insurance company so you can obtain a variety of benefits, such as medical payments, underinsured motorist coverage, and other extra coverages as well.

  1. An investigation by the insurance company

After you file your claim, regardless of whose insurance company, the company will then perform its own investigation. After all, it is not easy for you to receive your payment so simply from the insurance company right.

The company may investigate and review the police report of the case of your accident. They may speak with their experts and their own lawyers. They may take your statement, review the statement of the witnesses, check for the truth about your photos and videos that you have taken after the accident.

They may even take one step further and may ask you to sign a medical record authorization. Signing this will give them the right to check on your medical records, a history that can damage your case. Therefore, at every step consult your lawyer.

  1. Conduct your own investigation

The wisest thing to do for your own benefit is not to rely on the investigation held by the insurance company. As the objective of each insurance company is to pay loss or pay nothing against the claim of the client.

So obviously, their investigation is more focused on protecting themselves and their right. So it is better you to carry out your own investigation and find out who is the perpetrator, what is the cause of the accident, and what type of damage has occurred and to what extent.

Fro this you have to obtain a copy of the police report made during the accident, obtain the photos and videos of the collision. You may even hire your own investigator or more. This will your claim.

  1. Acceptance or denial

After the insurance company investigation is complete, it either accepts your claim or decline. If it accepts your claim, it means that it agrees to cover your expenses according to the policy drawn.

However, it may denote a particular amount that may not according to your acceptance. It may not cover all your expenses for the damage or injuries.

If it denies your claim, it means it doesn’t agree with your claim and it doesn’t find it valid to ensure you with the required expenses for your damage. Or it may also mean that outcome or the conduct cant be covered by the policy the person has drawn.

There can be other technical reasons for which the company has declined your claim. The insurance company will give you the document stating why it has declined your claim and accordingly you can the valid actions consulting your lawyer.

  1. Receive the offer

After the approval of your claim by the insurance company, you will now receive the settlement offer. don’t panic if the settlement offer is low as the insurance company often offers low figures initially.

It is not a compulsion for you to accept this offer as soon as it is offered. You have the right to accept or deny the offer if it is not according to your expectations. You can even ask for a higher amount if the offer doesn’t cover your expenses.

  1. Negotiation of the offer

If you decline the offer made by the insurance company, the next step is to negotiate for the offer. The insurance company often tries to give you less amount than you claimed as it tries to save its money.

Therefore, you may have to deal with the company tactics, their own lawyers and adjusters who are much more experienced in the profession and they may also use some intimidating tactics. Its time to consult your lawyer if it happens so you can receive more compensation.

  1. Bring the mediator

If you and your lawyer are experiencing trouble to come to a fair settlement and agreement with the insurance company. You may request the mediator or even the company can make this request.

It is not the right of the mediator to force you to accept the offer made by the company, neither, the mediator can force the insurance company to accept your claim.

His only task is to keep the negotiation conversation on track. During mediation, the representatives of the insurance company, your representative or you and your lawyer can be present. And the mediator acts as the third party and the discussion takes place regarding your claim the damages.

  1. Final settlement

After you and the insurance company come to an agreement for a final amount, then you can finalize the settlement. For which, you have to sign a release of liability document. You can also your right to take the insurance company or its client to the court for more money.

  1. If not satisfied, file a lawsuit

If you are not satisfied with the offer the insurance company made even after the mediation, then the final step for you is to fight for your right to file the lawsuit. You have to take the assistance of your lawyer for legal procedures.

For your case to be strong, you need evidence to support your claim for compensation in the court. For which your lawyer will help you, and if you anticipate beforehand that the insurance company will not give you the settlement you desired.

Then you can file the case during the claim process so that you can make your case strong by taking advantage of the discovery process.


Do’s and don’ts while filing fro your claim in the insurance company

Driving the car is very enjoyable that gives you a feeling of independence. But it also gives you the responsibility for safe driving to not endanger the lives of yourself and other passengers, pedestrians, other drivers, and properties.

However, if get involved in the car accident, you rush for the outside settlement with the insurance company so you can get the right compensation.

So there are some points which you should follow while claiming for the insurance so you can get the benefits as soon as possible.

Things to do after car accident

  1. Call your agent immediately.

It is important to begin with the claim as soon as possible. Doing so will facilitate process management and avoid having to pay too many out-of-pocket costs while waiting for the decision.

  1. Be honest.

Being dishonest with your insurance company could invalidate your policy. Describe precisely the accident to have a better chance of winning the claim.

  1. Take several photos

It may be proofs such as photographs to support your claim. Survivors must photograph the accident scene, as well as injuries and assets or possession damage via mobile or other devices.

  1. You should understand the difference between replacement cost coverage and real cash value.

The real cash value hedge finances the cost of replacing a damaged car or another, less the depreciation of its value. The replacement cost coverage is the one that pays the amount needed to replace the destroyed assets or possession up to the limits of the policy but does not deduct depreciation.

The distinction is important because those who have replacement coverage may have to wait to be reimbursed until the damaged assets or possession has been replaced.

  1. Understand coverage before talking to your agent

While it is important to start the claim immediately, drivers should review the terms of their policy before discussing the details in depth. Different insurance policies cover and exclude various types of damages and circumstantial costs. Claimants who review their documentation prior claim can save time and effort.

  1. Document all interactions in detail

Claimants should take note of telephone conversations or email exchanges they have with insurance company personnel. This may include recording details such as names of people, contact information, positions, and specific promises. Such records are useful for personal reference and to resolve disputes.

  1. Consider all sources of coverage

It is worth investigating if another insurance policy you have provides coverage after a car accident. Personal general policies may provide liability coverage for claims that exceed the limits of the auto policy.

  1. Keep all receipts

The costs of the car accident go beyond medical fees and vehicle repair bills. It is important to keep receipts for expenses such as hotel stays, purchases made during the presentation of the claim or additional costs incurred during the medical recovery.

As a general rule, those who claim must keep track and record of all finances until the claim has been resolved.

  1. File FIR

It is recommended to file FIR fr your own benefit. It is compulsion while you file for a claim that involves a third party or the accident is more severe. However, if you suffer from minor accidents such as a dent in the car. If the accident causes death or severe injuries, then it should be reported immediately. Also, don’t forget to take a copy of FIR for yourself.

  1. Make sure that all documents are sent to the insurance company

The insurance company will not accept your claim until you submit all the required documents to the company. Therefore, ask the company what they need and till when the documents have to be submitted. Delay will dismiss your case and you don’t want that to happen.

  1. Capture the accident scene

It always helps if you take photos and videos of the accident site. Take the photo of your car, assets or possession damage, if there are any witnesses or not.

If present, note down their name, address and contact information. This will always strengthen your case and provide the evidence that you need for claiming in the insurance company.

Things that you shouldn’t do

  1. Deliver documented statements without having understood the coverage

Insurers can ask you for written statements or ask to record conversations. It is important not to accept these requests without having a thorough understanding of the terms of the policies. Documented statements can be used as proof in claims for subsequent car accidents. They can also be used against claimants by the company.

  1. Accept insurance appraisals

Insurers usually provide their own agents to assess the damage and determine the value of the claim. Claimants have no obligation to accept these decisions if they believe it is insufficient according to their calculation.

  1. Sign discharges without legal consultation

Before signing a release document, all claimants should consult a car accident lawyer about legal consequences. The initial compensation and payment stipulated in these agreements could be left with what the claimants could obtain if they continued negotiating.

  1. Breach of legal or policy deadlines

Different policies and state laws set deadlines for different claiming actions. Some policies may require claimants to provide signed documents that account for their losses or undergo medical examinations within a specific period after the accident.

In Illinois, Ohio and other states, failure to observe these deadlines may give the insurer a valid reason to reject the claim.

  1. Don’t move your car from the accident spot

At the time of the accident, you may panic and move your car away from the accident spot. Or you even run away if you happen to cause the accident. It is suggested that you shouldn’t move your car nor you should run away.

Also, you shouldn’t drive your car further after the accident in case if the car has suffered from substantial damage. If all this happens, the insurance company may not accept your claim. You also cant repair your car until the insurance company approval.

  1. Do not hide the actual facts

Giving the actual facts about the incident is always wise. If the information you give is exaggerated or less clear, the insurance company may reject your claim or it may not validate your claim on the grounds of unclear and full information.

  1. Don’t deal with the third party

In case if any other third person comes to you to make the settlement outside without informing the police or the insurance company. don’t agree with this as it is the illegal activity that you should avoid at any event. Reporting the FIR is always needed to make the insurance claim.


A formula to reach a settlement in car accidents

There may not be a proven method to evaluate a car accident claim, however, there are common variables that can be considered. If you have been injured in a car accident, it is natural to ask about the value of your injury claim.

Due to the hundreds of thousands of car accidents that occur in the United States every year, and the obsession of the insurance industry with statistics. One might think that precisely this industry has already developed a standard formula to determine the value of any claim for injuries when the time comes to reach an agreement of this nature.

However, this is not the case. Statistics compiled by insurance companies allow companies to determine average values for very particular claims. However, it is quite rare for a given claim to fit the exact profile of an average claim.

The value of a claim depends on tens, if not hundreds, of individual factors. Next, we will examine some of the most significant variables and how they affect the value of your car accident claim.

  1. Special damages in a car accident.

None of the insurance companies will admit it, but a common tool that insurance adjusters use to assess an injury claim is to multiply “special damages” by a certain factor. What are special damages?

In general terms, special damages cover a person’s financial losses as a result of the accident. If you have incurred medical expenses, that is a financial loss. If you lose your job due to your injuries, your lost salary is also a financial loss.

  1. The insurance adjuster could use a multiplier.

As for the factor mentioned above, it is the multiplier that the insurance adjuster often uses in combination with the number of his special damages. The purpose of using a multiplier in this way is to obtain a rough estimate of what your total claim might be worth, including physical and mental suffering.

When evaluating any claim for personal injury, this is only a starting point for the adjuster and is not a determinant of any final value. There is no easy equation that produces the correct answer. Typically, an insurance adjuster will use a two or three multiplier to determine an estimated value for your claim.

To apply this to a typical scenario, suppose the total of your medical expenses and wages lost from the car accident is $ 5,000 USD. If the insurance adjuster multiplies that sum by a factor of two, then your claim would be worth approximately $ 10,000 USD.

If the adjuster used a factor of four, your claim would be valued at approximately $ 20,000 USD. When determining a value for your claim, what the insurance company is really trying to do is predict what a jury could grant you if your car accident case goes to trial.

For decades, insurance companies have compiled statistics on each personal injury claim that is brought to trial in each part of the country. The companies also keep records of the hundreds of thousands of settlements they have negotiated.

  1. What do circumstances decide which specific multiplier should be used?

Again, there is no simple answer, and it depends on the particular facts and circumstances of your accident. Generally speaking, a smaller amount of medical bills will indicate that a smaller multiplier should be used, such as one or one and a half.

A smaller amount of medical expenses, for example, $ 500, suggests to the insurance company that their injuries were resolved after a single visit to their primary care physician.

If you only sought an instance of medical treatment, the conclusion is that the pain and discomfort of your injury were not as severe or did not last long. On the other hand, if your medical expenses are much higher.

Say $ 50,000, the insurance company knows that this number probably represents a prolonged hospital stay, or perhaps a treatment of dozens of physical rehabilitation sessions. It takes weeks, if not months, to incur such large medical expenses.

Therefore, the insurance company’s conclusion is that it experienced much more pain, or at least experienced pain and discomfort for longer. Because of that, a higher multiplier like three, four or five could be used to assess your pain and suffering.

  1. A number of other variables also play a vital role in determining the value of a personal injury claim:

  • Was your injury completely new as a result of the car accident or did the car accident simply aggravate a condition for which you were already receiving treatment?
  • Did you seek medical attention immediately after the car accident? Or did you first complain about the symptoms to your doctor three or six months after the accident?
  • Was your treatment excessive? Insurance companies rarely attribute the total value of medical expenses in the areas of chiropractic or physical therapy if the adjuster believes that the duration of treatment may be excessive.
  • Many more variables also affect the value of the claim, including your age, previous medical condition and the specific circumstances of the car accident, such as vehicle speed.

Factors that affect your car accident settlement

There can be many factors that can affect your car accident settlement with the insurance company. Therefore, you should know what type of factors can have a positive or negative impact on your car accident settlement. They are discussed below:

  1. Injury severity

If you have sustained the injury, then the settlement offer depends on the severity of the injury that you have suffered from. It also depends on the physical and emotional trauma that you have gone through.

It also depends on the effects that have on you after injury, whether the effects are permanent or temporary. The injuries that can cause long time pain and sufferings are as follows:

  • Brain injury
  • Arm and leg injury
  • Severe degree burn
  • The spinal cord, head and neck injury

Those who suffer from severe injuries may sustain life long effects that can hamper their work, job, and daily life. They also need more medical care as they may suffer from long term pain.

Therefore, they have the right to more compensation. While injuries that can be recovered fully after a certain period of time can have less compensation.

  1. Medical record

As soon as the accident happens, it is necessary for you to visit medical care facilities so that doctors can evaluate your injury. He can give you needed advice and start your treatment.

The doctors also issue you with the medical certificate or document that can be presented in the insurance company as the evidence for your claim. This document also verifies that the injuries that you have now are due to the car accident and they are not present from before due to other reasons.

This way, the insurance company cant claim that your injuries are not serious and cant offer you low compensation.

  1. Evidence that proves other drivers fault

It is vital to know the cause of the accident. It is also important to prove that the accident has happened because of the fault of the other driver and not yours. So that you can receive a higher amount of compensation. The evidence that can prove the fault in a car accident are:

  • Reports of accident
  • CCTV footage of the accident
  • Witnesses of the accident
  • Photos and videos of the accident

These will help you to prove that the accident hasn’t caused by you rather by the fault of other drivers. If you are not at fault, the insurance company cant certainly blame you. In cases where you are blamed and proved for the accident, the insurance company will give you lesser compensation.

  1. If it is your fault

If the cause of the car accident happens to be you, or in a certain percentage, you have caused the car accident because of your own negligence. The insurance company will give you a lesser amount of compensation.

For example, if your involvement in causing the car accident happens to say 30%, and the compensation amount you have claimed to be 100000$ then you will only receive 70000$. that means you have to prove as much as possible your lesser involvement in a car accident.

  1. Medical care after an accident

Immediately after the accident, you should always seek medical care. This act of yours helps in supporting your claim that you have sustained serious injuries that have impacted your life significantly.

If you don’t seek the medical care at once, this shows that your injuries are mild which doesn’t need that much of compensation as you are claiming. It is also necessary that you follow the treatment and procedure as advised by the doctors.

It means you are taking every step to improve your health and not aggravating your situation knowingly.

  1. Statement consistency

While the accident happens, the traffic police will appear on the scene who will you about the incident of how it happened. You are also asked by your health care provider about the information regarding the car accident.

What you should know is you should give information as it is, don’t hide or exaggerate your information, and lastly keep your statement as consistent as possible. So your version remains the truth and seems to be true to the insurance company. The person to whom you may have to give your statement can be:

  • the driver of another vehicle, the passengers in your car, and maybe even the bystanders at the accident scene
  • first authorities whoa arrive at the scene such as the police and EMTs
  • physicians, nurses, and other hospital employees of the medical care facility where you have been taken
  • your own doctor
  • insurance company
  • your state’s Department of Motor Vehicles maybe
  • the defendant’s insurer’s adjuster as well
  • the defendant’s insurer’s investigator(obviously)
  • the defense lawyer in a deposition,
  1. assets or possession damage

The monetary damage to your vehicle determines the amount of assets or possession damage. assets or possession damage includes the cost of any repair of the damage that occurred as a result of the accident.

If it is considered that your vehicle is too damaged to be repaired, the amount will be calculated by determining the fair market value of the vehicle. It takes into account the value of similar vehicles of the same brand and model.

  1. Loss of wages and/or income potential

If you cannot go to work due to an injury suffered during the accident, this may be included in your agreement to recover lost wages due to time away from work. If you have suffered a serious injury that permanently prevents you from performing the functions required in your work.

This loss of income potential will also be used to calculate your compensation and takes into account the type of work performed. The necessary skills and the way in which Your injuries affect your performance.

  1. Pain and suffering

Compensation for pain and suffering is a more subjective factor. Each case is different, and a variety of things can affect compensation. In general, compensation for pain and suffering is granted to compensate for the physical and mental pain and distress suffered due to the accident.

The amount of compensation varies from case to case since each situation involves different injuries, combinations of injuries. And different people may react differently to the type of trauma suffered in an accident.

Compensation for minor cuts and bruises will be different from compensation for a broken rib or spinal injury, for example.


Average car accident settlement

The truth is that there is NO average agreement for any car accident settlement. That question cannot be answered precisely because there is a variety of variables in each case. There is also a variety of out-of-case variables over which a plaintiff has no control but, even so, they still affect the value of the case.

The variables of a case have to do with the injuries suffered by the person, the treatment and recovery they experienced. Any permanent injury that affects the person, if the person had previous injuries in that part of the body.

If there were lost wages, the degree of pain and suffering as a result of the injury suffered, the damage to the assets or possession involved, etc. It also depends on which state the accident happened, whether in Ohio or Baltimore. The rules and regulations vary from one state to another. It also depends on the insurance company and more reasonable it depends on the lawyer who is representing you.

The amount of compensation you can recover after a car accident depends on:

  • The nature of his accident.
  • The extent of your injuries.
  • The method you use to recover compensation.

Private insurance agreements will generally allow you to recover up to the maximum amount of the policy held by the guilty driver.

Average car accident settlement in different states of USA

As mentioned above, it cant be exactly said what amount you’ll get in your car accident settlement. It also varies according to the rules in different states of the US. However, the average settlement in different states can be as follows:

  1. In Utah
  • $25,000 per person and $65,000 per accident for physical Injury Liability
  • $15,000 per accident for assets or possession/assets Damage Liability
  • $25,000 per person and $65,000 per accident for Uninsured Motorists and vehicle
  • $25,000 per person and $65,000 per accident for Underinsured Motorists and vehicle
  • $3,000 per accident for Personal Injury Protection(PIP)
  1. In Texas – What is the average settlement for a car accident in Texas
  • $30,000 per injured person
  • $60,000 per accident (for injuries)
  • $25,000 per accident (for assets or possession damage)
  1. North Carolina
  • At least $30,000 for physical injury for one person
  • At least $60,000 for physical injury for two or more people
  • At least $25,000 for assets or possession and assets damage in any one accident
  1. Florida – What is the average settlement for a car accident in Florida
  • Personal injury protection – $10,000:
  • assets or possession damage coverage – $10,000 per accident
  1. California
  • $15,000 for injury or death to one person
  • $30,000 for injuries, traumas or death of more than one person
  • $5,000 for assets or possession damage
  1. Virginia – What is the average settlement for a car accident in Virginia
  • $25,000 for injury or death of a single person in an accident;
  • $50,000 for injury or death of two or more persons in accident; and
  • $20,000 for injury or destruction of assets or possession in an accident.
  1. Mississippi
  • $25,000 for physical and bodily injury per person
  • $50,000 for physical and bodily injury per accident
  • $25,000 for assets or possession damage per accident
  1. South Carolina
  • No less than $25,000 for physical injuries or demise of a single person in one accident
  • No less than $50,000 for physical and bodily/physical injury or death of two or more people in one accident;
  • No less than $25,000 for injury or damage of assets or possession of others in an accident.
  1. New jersey
  • Personal Injury Protection (PIP) insurance of $15,000 per person, per accident and up to $250,000 for certain injuries
  • $5,000 per accident
  1. Massachusetts
  • physical and bodily injury to others $20,000 to $40000per person
  • Personal injury protection (PIP) $8,000 per person, per accident
  • physical and bodily injury caused by an uninsured auto $20,000 to $40000per person
  • Damage to someone else’s assets or possession $5,000 per accident
  1. Connecticut
  • $20,000 in coverage is offered for a single person accident injury or death
  • $40,000 is offered if more than one person is injured or killed
  • $10,000 in assets or possession/assets damage coverage
  • $20,000 per person, $40,000 per accident in uninsured and underinsured motorist coverage policies.
  1. Ohio
  • $25,000 per person injured or traumatized in any one accident
  • $50,000 for all persons injured or traumatized in any one accident
  • $25,000 for assets or possession and assets damages of others in one accident
  1. Illinois – What is the average settlement for a car accident in Illionis
  • $20,000 in physical injury liability
  • $15,000 in assets or possession and assets damage
  1. Alabama
  • $25,000 for death or physical injury to one person
  • $50,000 for death or physical injury to two or more persons
  • $25,000 for damage or destruction of assets or possession and assets
  1. Alaska
  • $50,000 for the injury or demise of one person (yourself, a passenger, another driver, pedestrian, etc.)
  • $100,000 for the injury or expiration of more than one person in a single accident
  • $25,000 for assets or possession and assets damage
  1. Arizona
  • $15,000 per person for physical or physical and bodily injury liability
  • $30,000 per accident when more than one person suffers injuries and trauma
  • $10,000 for assets or possession and assets damage.
  1. Colorado – What is the average settlement for a car accident in Colorado
  • $25,000 for liability for physical or physical and bodily injuries per person,
  • $50,000 total for liability for injuries and traumas if more than one person is injured, and
  • $15,000 in coverage for liability for others’ assets or possession and assets damage.
  1. Arkansas
  • $25,000 for the injury or demise of one person (yourself, a passenger, another driver, pedestrian, cyclist etc.)
  • $50,000 for the injury or death of more than one people in a single accident
  • $25,000 for assets or possession and assets damage
  1. Delaware
  • physical and bodily injury and trauma protection: $15,000 per person, per accident/$30,000 per accident
  • assets or possession assets : $10,000 per accident
  • PIP offer: $15,000 per person, per accident/$30,000 per accident + $5,000 in funeral expenses
  1. Georgia
  • $25,000 for the injury/trauma or death of a person (yourself, a passenger, another driver, pedestrian, etc.)
  • 50,000$ for the injury/trauma or death of more than a person in a single accident
  • $25,000 for assets or possession and assets destruction
  1. Indiana – What is the average settlement for a car accident in Indiana
  • $25,000 for physical and bodily/physical injury and trauma per person
  • $50,000 for physical and bodily/physical injury for multiple people per accident
  • $10,000 for assets or possession and assets damage per accident
  • $50,000 in uninsured or underinsured motorist coverage policy
  1. Kansas in dollars
  • 25,000 for physical and bodily injury per person
  • 50,000 for total physical and bodily/physical injury when multiple people are injured
  • 10,000 for assets or possession damage
  • 4,500 per person for medical costs
  • 900 per month for one year for disability and loss of income
  • 25 per day for substitution services for appropriate and reasonable expenses
  • 2,000 for funeral, cremation or burial expenses
  • 4,500 for rehabilitation
  1. Iowa
  • 20,000 for liability for physical and bodily injuries per person,
  • 40,000 total for liability for injuries if more than one person is injured, and
  • 15,000 in coverage for liability for others’ assets or possession and assets damage.
  1. Idaho
  • $25,000 for physical trauma to 1 person in a single accident.
  • $50,000 for total physical trauma to 2 people or more in an accident.
  • $15,000 for assets damage
  1. Hawaii
  • $20,000 per person, per accident/$40,000 per accident in personal injury or wounds
  • $10,000 in assets or possession destruction.
  1. Louisiana
  • $15,000 for physical and bodily injury or demise to one person in an accident
  • $30,000 for physical and bodily trauma or death to two or more persons
  • $25,000 for damage to someone else’s vehicle or other possession
  1. Maryland
  • $30,000 for physical and bodily injury
  • $60,000 for physical and bodily injury of two or more people
  • $15,000 for assets or possession damage
  1. Maine
  • $50,000 for physical and bodily injury or death per person
  • $100,000 for total physical and bodily injury or death per accident, if multiple people were injured
  • $25,000 for assets or possession damage
  1. Kentucky
  • $25,000 for physical and bodily injury per person
  • $50,000 for total physical and bodily injury per accident
  • $10,000 for assets or possession damage
  1. Montana
  • $25,000 for physical and bodily injury per person
  • $50,000 for total physical and bodily injury of multiple people per accident
  • $20,000 total assets or possession damage
  1. Nebraska
  • $25,000 for physical and bodily injury per person
  • $50,000 for total physical and bodily injury if multiple people are injured
  • $25,000 for assets or possession damages
  1. Missouri
  • $25,000 for physical and bodily injury per person
  • $50,000 for physical and bodily injury per accident
  • $10,000 for assets or possession damage per accident
  1. Minnesota
  • $30,000 for injuries to one person
  • $60,000 for injures to two or more people
  • $10,000 for physical damage to other person’s vehicle or any other assets or possession damage
  1. Oklahoma
  • At least $25,000 for the wounds or demise of a single person in any one accident;
  • At least $50,000 for the wounds or demise of two or more persons in any one accident; and
  • At least $25,000 for injury or destruction of assets or possession in any one accident.
  1. North Dakota
  • $25,000 for physical and bodily injury per person
  • $50,000 for total physical and bodily injury when multiple people are injured
  • $25,000 for assets or possession damage
  1. New Mexico – What is the average settlement for a car accident in New Mexico
  • $25,000 for physical and bodily injury to or death of one person,
  • $50,000 for physical and bodily injury to or death of two or more persons, and
  • $10,000 for assets or possession damage in any one accident.
  1. New Hampshire
  • $25,000 for physical and bodily injury per person
  • $50,000 for physical and bodily injury if multiple people are injured in an accident
  • $25,000 for assets or possession damage
  1. Pennsylvania
  • $15,000 to $30000 personal injury safety per person for third parties (passengers, pedestrians, and etc.)
  • $5,000 assets or possession damages protection per occurrence
  • $5,000 in no-fault personal injury protection coverage
  1. Rhode island
  • $15,000 to 30000$ personal trauma protection per person for third parties (passengers, pedestrians, and etc.)
  • $5,000 assets or possession damages protection per occurrence
  • $5,000 in no-fault personal injury protection coverage
  1. South Dakota
  • at least $25,000 for physical and bodily injury or death to one person in one accident;
  • at least $50,000 for physical and bodily injury or death to two or more people in any one accident;
  • $25,000 for trauma or destruction of another’s assets or possession in any one accident.
  1. Vermont
  • $25,000 for one person and $50,000 coverage for two or more persons killed or injured; and
  • $10,000 for damages to assets or possession in any single crash.
  1. Oregon
  • $25,000 physical and bodily injury or death to one person in a single accident;
  • $50,000 physical and bodily injury or death to two or more persons in a single accident;
  • $20,000 injury or destruction of assets or possession to others in a single accident
  1. Washington – What is the average settlement for a car accident in Washington DC
  • $25,000 for trauma or death of a single person in a single accident;
  • $50,000 for wounds or death of two or more people in a single accident; and
  • $10,000 for damage or destruction of assets or possession in a single accident.
  1. West Virginia – What is the average settlement for a car accident in West Virginia
  • $25,000 for one crash, one injury
  • $50,000 for one crash, two or more injuries
  • $25,000 for assets or possession damage
  1. Wisconsin
  • $25,000 for the injury/trauma or death of a single person in a single accident;
  • $50,000 for the injury or expiration of two or more people in a single accident; and
  • $10,000 for the damage or destruction of assets or possession in a single accident.
  1. Wyoming – What is the average settlement for a car accident in Wyoming
  • $25,000 per person for physical and bodily injury
  • $50,000 per accident for physical and bodily injury
  • $20,000 per accident for assets or possession

The average settlement for the rest of the state of the US cant is quoted as per rules they are determined also impacted by several other variables.

These are just the average figures which you may hope to obtain as for your claim. They may vary with the state, with rules, with the ability of your lawyer and also several other factors that have been mentioned above.

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