Guilt Factor

In order to obtain compensation for your damages and injuries, the insurance industry offers you money. They do not make the other driver apologize to you, they do not take away his/her license, and they do not send him/her to a school to learn how to drive more safely.

In order to determine how much your injury claim is worth when you are injured in a car accident is to look at how an insurance company would value your claim. An insurance carrier will first look to damages and injuries suffered and then to fault of the drivers.

What Is My Case Worth?   

Because the compensation for injuries comes down to money, the insurance companies have devised ways to avoid paying you. The level of their success in evading payments on claims can be judged by looking at their assets and profits.

Insurance Information Institute