"It can be tough to set a dollar amount on injuries you suffer in an accident. There are so many things to consider: doctor's bills, time lost from work, medical costs for ongoing injuries, pain and suffering, and so on. Insurance companies take all of them into account when deciding how much to offer -- and ultimately pay out -- for a personal injury claim."
They also apply a discount and start off with what is know as the "low-ball" initial offer to personal injury victims.
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