How is damage calculated in an insurance claim?

Your car will be evaluated by a car insurance damage estimator, also known as a claims adjuster. If the cost of repairing your vehicle is the same as the value of the vehicle itself, your car is considered a total loss. Basically, you want the car insurance repair estimate to be lower than the value of the car, so that the insurance company considers it worth repairing. Do you have significant damage to your car? Then, your car insurance company will send an expert to do a calculation.

The damage expert can calculate the correct amount of damage. Here they calculate the repair costs, the decrease in the value of the vehicle (the residual value) and the cause of the damage. Based on these factors, they make a cost estimate. The insurance company almost always calls in a damage expert.

This is also the reason why the cost of the expert is paid by the insurance company itself. A property damage claim is a request for compensation for property damage caused by a collision or other event. The most common property damage claim is when someone files a claim with the at-fault driver's insurance company after a car accident. However, if a driver causes an accident or damages the vehicle, they will file a property damage claim with their own collision or all-risk insurance.

For most types of cases, there is no law that dictates the amount of general damages you can receive in a general personal injury case. Generally, the person responsible for the injury (or that person's insurance company) is responsible for reimbursing the injured party for all expenses related to their injury, as well as to compensate the injured party for any pain, suffering, or emotional harm they suffered as a result of the injury. Instead, personal injury damages are based on a combination of actual expenses and compensation for pain and suffering. The library has several resources that you can find useful in evaluating your situation and calculating damages, such as “How to Win Your Personal Injury Lawsuit,” by Nolo Press, which includes a very detailed chapter on how to determine the value of your injury claim, as well as tips for negotiating a settlement with the defendant.

General damages, commonly called “pain and suffering,” are meant to compensate you for the non-monetary injuries you experience, such as the pain, anxiety, and other suffering you must endure because of your injury.