How Much Is My Auto Accident Claim Worth? An Auto Accident Lawyer in Harrisburg Explains

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If you’ve been injured in a car accident, you may be wondering how much your claim is worth. The reality is that there’s no one-size-fits-all answer. Several factors influence the amount of compensation you may receive. Understanding these factors and working with an experienced auto accident lawyer in Harrisburg can help you maximize your settlement. At Metzger Wickersham (MWKE), we help injured victims in Harrisburg, Pennsylvania, navigate the complex legal process and fight for the compensation they deserve. Below, we explain the key factors that determine how much your auto accident claim is worth.

1. The Severity of Your Injuries

One of the most critical factors in determining your settlement amount is the severity of your injuries. More serious injuries typically lead to higher medical costs and longer recovery times, increasing your compensation. Common injuries that impact settlement amounts include:
  • Broken bones
  • Traumatic brain injuries (TBI)
  • Spinal cord injuries
  • Soft tissue injuries (whiplash)
  • Internal injuries
The more severe and long-lasting your injuries are, the higher your claim value may be.

2. Medical Expenses

Your medical costs play a significant role in your settlement. These include:
  • Emergency room visits
  • Hospital stays
  • Surgeries
  • Physical therapy
  • Prescription medications
  • Ongoing medical treatments
Make sure to keep records of all your medical expenses to support your claim. If you need long-term care, future medical costs may also be included in your compensation.

3. Lost Wages and Reduced Earning Capacity

If your injuries prevent you from working, you may be entitled to compensation for lost wages. Additionally, if your ability to work in the future is affected, you may receive damages for reduced earning capacity. For example, if a construction worker suffers a spinal injury that prevents them from returning to their job, they may receive compensation for their inability to earn the same wages as before the accident.

4. Pain and Suffering

In addition to economic damages, you may also be compensated for pain and suffering. This includes:
  • Physical pain from injuries
  • Emotional distress (anxiety, PTSD, depression)
  • Loss of enjoyment of life
Since pain and suffering are non-economic damages, calculating their value can be challenging. Insurance companies often use a multiplier method, where your economic damages are multiplied by a number (typically 1.5 to 5) based on the severity of your injuries.

5. Property Damage

If your vehicle was damaged in the accident, you may be entitled to reimbursement for repairs or replacement costs. The value of your vehicle, the cost of repairs, and whether it was totaled all impact your compensation.

6. Liability and Fault

Pennsylvania follows a modified comparative negligence rule. This means:
  • You can recover damages if you are less than 51% at fault for the accident.
  • If you are partially at fault, your compensation will be reduced by your percentage of fault.
For example, if your total damages are $100,000, but you were found 20% at fault, you would receive $80,000 instead.

7. Insurance Coverage Limits

The insurance policy limits of both parties can impact your claim. Pennsylvania requires drivers to carry minimum liability insurance, but if the at-fault driver is underinsured or uninsured, you may need to file a claim through your uninsured/underinsured motorist (UM/UIM) coverage.

How an Auto Accident Lawyer in Harrisburg Can Help

Navigating the claims process alone can be overwhelming, especially when dealing with insurance companies. An experienced auto accident lawyer in Harrisburg can:
  • Investigate the accident and gather evidence
  • Negotiate with insurance companies on your behalf
  • Calculate your total damages accurately
  • File a lawsuit if necessary to fight for fair compensation

What You Should Do After an Auto Accident

If you’ve been involved in a car accident, take these steps to protect your rights:
  1. Seek Medical Attention – Even if you feel fine, injuries may appear later.
  2. Call the Police – A police report serves as valuable evidence.
  3. Document the Scene – Take photos of the accident, your injuries, and any damages.
  4. Collect Witness Information – Witness testimony can strengthen your claim.
  5. Notify Your Insurance Company – Report the accident but avoid giving recorded statements without legal representation.
  6. Consult an Auto Accident Lawyer – The sooner you seek legal advice, the stronger your case will be.

Get the Compensation You Deserve

If you or a loved one has been injured in a car accident in Harrisburg, Pennsylvania, don’t settle for less than you deserve. At Metzger Wickersham (MWKE), we fight for the maximum compensation possible for our clients.

Contact Metzger Wickersham Today

Don’t wait—protect your rights and get the compensation you deserve. Contact MWKE today for a free consultation. Your recovery matters, and we are here to help you every step of the way!