There is no calculator that settles this. A claim is built from medical bills already paid, care you will still need, wages lost while you could not work, earning capacity if the injury is permanent, and pain and suffering. The last of these is where insurers push hardest, because it is the least documented. Keep a short daily note of what you could not do — that record does more work than most people expect. An attorney values the whole picture before any number is discussed.
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