March 5, 2026
There's no magic multiplier. Here's what actually goes into the number.
These are your hard numbers: medical bills (past and future), lost wages, lost earning capacity, property damage, and out-of-pocket costs. These are documented with records, pay stubs, and expert testimony if needed.
Pain and suffering, emotional distress, loss of enjoyment of life, scarring and disfigurement, and loss of consortium. These aren't spelled out on a receipt, but they're real.
If liability is clearly the other side's fault, the case is worth more. If there are comparative fault issues, the case value drops.
You can't collect what isn't there. A case with $20,000 in available coverage and $200,000 in damages becomes a coverage fight, not a damages fight.
Where your case would be tried matters. Juries in different Michigan counties value cases very differently.
What treatment you needed, whether you finished it, whether you have permanent limitations — all of this drives the number.
Forget the '3x medical bills' rule. That's not how insurance companies evaluate cases, and it's not how we build them either.
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