An important aspect of any personal injury claim is to figure out the worth of your accident injuries. This is the hardest part to determine because it varies on your circumstances. The following is how insurance companies put a price on the value of your claim. Generally, the person liable has liability insurance and therefore pays the injured person for: and medical care given and any other related expenses, whatever income is lost due to the accident for the amount of time the person is unable to work or they are undergoing treatment, missed training or school, vacation or special events and lost of family, social and educational experiences. Other topics that are included in coverage is emotional damage like stress, depression or strains on relationships –like being unable to care for the children, worry over an unborn child along with damaged property. It is very hard to put a dollar figure on pain and suffering or lost opportunities so this is where the insurance company uses their damages formula. Medical bills are added up and that is the base figure used. Minor injuries totals are sometimes multiplied by 1.5 or 2.