Legal Question in Insurance Law in South Carolina

Re: In Auto Accident - How Much Am I Due?

I can't answer your question without knowing more information. Multipling the medical bills times a certain number, is often a starting point for putting a settlement value on a personal injury claim. However, that is just a starting point. Many other factors have to be considered, including, but not limited to: Whether the injured will ever need future medical treatment and what that cost will be, plastic surgery will be needed, whether they are entitled to an impairment or disability rating, whether they will incur limitations as to work or other activities, whether the medical reports clearly indicate that all of the treatment was directly related to the accident and not a pre-existing condition, whether you are entitled to punitive damages.....which is a whole other conversation, etc. There are just too many considerations that have to be taken into account before you can properly assess the value of a settlement. That is why most people hires lawyers. Not only will they have a good idea of the case's value, but they also have far more bargining power with the insurance company, because they are more qualified to file suit and go to court. Lastly, you never indicated how much wages your husband lost. Good luck.