Settlement Case Studies

Example scenarios for educational purposes

Important Disclaimer

These case studies are hypothetical examples created for educational purposes only. They do not represent actual cases or guaranteed outcomes. Every personal injury case is unique, and actual settlement values depend on many factors including jurisdiction, evidence, insurance coverage, and individual circumstances. These examples should not be used to predict the value of any actual case. Always consult with a licensed attorney for advice specific to your situation.

Understanding Settlement Values

Personal injury settlements vary dramatically based on the specific circumstances of each case. The examples below illustrate how different factors—such as injury severity, liability, jurisdiction, and documentation—can affect potential settlement ranges. These scenarios demonstrate the types of calculations that attorneys and insurance adjusters consider when evaluating claims.

Rear-End Collision with Whiplash

CaliforniaSoft Tissue / Whiplash

Scenario

Driver stopped at a red light was rear-ended by a distracted driver at approximately 25 mph. The impact caused moderate whiplash, requiring 12 weeks of physical therapy. The injured party missed 3 weeks of work.

Economic Damages

Medical Bills:$8,500
Future Medical:$2,000
Lost Wages:$4,800
Future Lost Wages:$0
Property Damage:$3,200
Total Economic:$18,500

Case Factors

Injury Severity:Moderate
Permanent Injury:No
Surgery Required:No
Plaintiff Fault:0%
Est. Timeline:4-6 months

Key Factors Affecting Value

  • Clear liability - rear-end collision typically favors victim
  • Complete medical documentation
  • Consistent treatment regimen
  • Quick return to work shows recovery

Estimated Settlement Range

Based on typical outcomes for similar cases

$28,000 - $45,000

T-Bone Accident with Fractures

TexasBroken Bones / Fractures

Scenario

Driver proceeding through a green light was struck by another vehicle that ran a red light. The collision resulted in a broken arm and two fractured ribs. Surgery was required to repair the arm with plates and screws.

Economic Damages

Medical Bills:$52,000
Future Medical:$15,000
Lost Wages:$18,000
Future Lost Wages:$5,000
Property Damage:$12,000
Total Economic:$102,000

Case Factors

Injury Severity:Severe
Permanent Injury:Yes
Surgery Required:Yes
Plaintiff Fault:0%
Est. Timeline:12-18 months

Key Factors Affecting Value

  • Surgery increases case value significantly
  • Permanent hardware indicates lasting impact
  • Red light violation establishes clear negligence
  • Texas follows modified comparative negligence

Estimated Settlement Range

Based on typical outcomes for similar cases

$175,000 - $285,000

Grocery Store Slip and Fall

FloridaBack Injury / Herniated Disc

Scenario

Customer slipped on an unmarked wet floor in a grocery store, falling and injuring their lower back. An MRI revealed a herniated disc at L4-L5. The store had no wet floor signs and security footage showed the spill existed for over 20 minutes.

Economic Damages

Medical Bills:$28,000
Future Medical:$35,000
Lost Wages:$12,000
Future Lost Wages:$8,000
Total Economic:$83,000

Case Factors

Injury Severity:Severe
Permanent Injury:Yes
Surgery Required:No
Plaintiff Fault:10%
Est. Timeline:10-14 months

Key Factors Affecting Value

  • Security footage proves negligence
  • Store policy violations documented
  • Herniated disc is objectively provable injury
  • Florida pure comparative negligence allows recovery despite 10% fault

Estimated Settlement Range

Based on typical outcomes for similar cases

$120,000 - $195,000

Construction Site Fall

New YorkMultiple Injuries

Scenario

Construction worker fell from scaffolding due to missing guardrails. The 15-foot fall resulted in a broken leg, fractured wrist, and mild traumatic brain injury (concussion with lasting symptoms). OSHA investigation found multiple safety violations.

Economic Damages

Medical Bills:$95,000
Future Medical:$45,000
Lost Wages:$35,000
Future Lost Wages:$75,000
Total Economic:$250,000

Case Factors

Injury Severity:Catastrophic
Permanent Injury:Yes
Surgery Required:Yes
Plaintiff Fault:0%
Est. Timeline:18-24 months

Key Factors Affecting Value

  • New York Labor Law 240 (Scaffold Law) provides strict liability
  • OSHA violations prove negligence
  • TBI component significantly increases value
  • Multiple defendants may increase recovery

Estimated Settlement Range

Based on typical outcomes for similar cases

$450,000 - $750,000

Delayed Cancer Diagnosis

PennsylvaniaMedical Malpractice

Scenario

Patient presented with symptoms that should have prompted cancer screening. Despite repeated visits over 8 months, the physician failed to order appropriate tests. When cancer was finally diagnosed, it had progressed from Stage 1 to Stage 3, requiring significantly more aggressive treatment.

Economic Damages

Medical Bills:$185,000
Future Medical:$250,000
Lost Wages:$65,000
Future Lost Wages:$120,000
Total Economic:$620,000

Case Factors

Injury Severity:Catastrophic
Permanent Injury:Yes
Surgery Required:Yes
Plaintiff Fault:0%
Est. Timeline:24-36 months

Key Factors Affecting Value

  • Expert testimony establishes deviation from standard of care
  • Clear causation - delay led to worse prognosis
  • Pennsylvania has no cap on compensatory damages
  • Loss of chance doctrine may apply

Estimated Settlement Range

Based on typical outcomes for similar cases

$850,000 - $1,500,000

DUI Collision Victim

ArizonaTraumatic Brain Injury

Scenario

Victim was struck head-on by a drunk driver who crossed the center line. The collision resulted in a moderate traumatic brain injury with ongoing cognitive deficits, requiring extensive rehabilitation. The at-fault driver had a BAC of 0.15.

Economic Damages

Medical Bills:$145,000
Future Medical:$200,000
Lost Wages:$45,000
Future Lost Wages:$350,000
Property Damage:$18,000
Total Economic:$758,000

Case Factors

Injury Severity:Catastrophic
Permanent Injury:Yes
Surgery Required:Yes
Plaintiff Fault:0%
Est. Timeline:18-30 months

Key Factors Affecting Value

  • DUI may support punitive damages claim
  • Cognitive deficits affect lifetime earning capacity
  • Criminal conviction strengthens civil case
  • Policy limits may be the practical cap

Estimated Settlement Range

Based on typical outcomes for similar cases

$1,200,000 - $2,000,000

Rideshare Passenger Injury

IllinoisNeck and Back Injuries

Scenario

Passenger in a rideshare vehicle was injured when the driver ran a stop sign and was hit by another vehicle. The passenger suffered cervical strain, lumbar strain, and a shoulder injury requiring arthroscopic surgery.

Economic Damages

Medical Bills:$42,000
Future Medical:$12,000
Lost Wages:$8,500
Future Lost Wages:$0
Total Economic:$62,500

Case Factors

Injury Severity:Moderate
Permanent Injury:No
Surgery Required:Yes
Plaintiff Fault:0%
Est. Timeline:8-12 months

Key Factors Affecting Value

  • Rideshare company $1M policy available
  • Passenger has no fault in collision
  • Multiple insurance policies to pursue
  • Surgery documentation strengthens claim

Estimated Settlement Range

Based on typical outcomes for similar cases

$125,000 - $200,000

Dog Attack at Park

OhioLacerations / Scarring

Scenario

Victim was attacked by an unleashed dog at a public park, suffering deep lacerations to the arm and facial scarring. The dog had a previous bite history. Plastic surgery was required for facial scar revision.

Economic Damages

Medical Bills:$35,000
Future Medical:$25,000
Lost Wages:$6,000
Future Lost Wages:$0
Property Damage:$500
Total Economic:$66,500

Case Factors

Injury Severity:Severe
Permanent Injury:Yes
Surgery Required:Yes
Plaintiff Fault:0%
Est. Timeline:8-14 months

Key Factors Affecting Value

  • Ohio strict liability statute for dog bites
  • Prior bite history establishes knowledge
  • Facial scarring significantly increases damages
  • Homeowner insurance typically covers dog bites

Estimated Settlement Range

Based on typical outcomes for similar cases

$150,000 - $275,000
8
Example Cases
8
Different States
6
Injury Types
$28K-$2M
Range Shown

Why Settlement Values Vary

The examples above demonstrate a wide range of potential settlement values. Actual outcomes depend on many factors that cannot be predicted in advance, including:

  • Quality and completeness of evidence
  • Available insurance coverage limits
  • Defendant's ability to pay
  • Jurisdiction and local jury trends
  • Credibility of parties and witnesses
  • Pre-existing conditions
  • Gaps in medical treatment
  • Attorney experience and negotiation skill

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Settlement Case Studies | Example Scenarios | SettlementCalcUSA