Nobody can honestly tell you a number on day one. What we can do is show you the factors that move the number, so you know what you're fighting for.
Economic damages (the receipts)
- Medical bills, past and future (surgery, therapy, medication, equipment)
- Lost wages and reduced future earning capacity
- Out-of-pocket costs: transportation, home care, property damage
Non-economic damages (the human cost)
- Physical pain and discomfort
- Emotional distress, anxiety, sleep loss
- Loss of enjoyment of life, hobbies, relationships
- Disfigurement and permanent impairment
California does not cap non-economic damages in ordinary injury cases (medical malpractice has separate limits).
What cuts the number
- Comparative fault. Your share of blame reduces the award proportionally.
- Gaps in treatment. Delays or missed appointments get argued as "not that hurt."
- Policy limits. Many drivers carry only the state minimum. We look for every available policy, including your own UM/UIM coverage.
- Prop 213. Uninsured drivers are generally limited to economic damages.
- Statements and social media. Anything you say can and will be used to lower the offer.
What raises it
- Prompt, consistent medical care
- Clear liability evidence: police report, photos, video, witnesses
- Documented wage loss
- Expert opinions on future care
- A lawyer the insurer believes will go to trial
We tell you the truth about your case, including when it's small. Free case review. No fee unless we win.
This guide is general information, not legal advice. Deadlines and rules change; talk to a lawyer about your situation.