How a Personal Injury Case Is Valued: What Goes Into the Settlement Number in Missouri

October 9, 2025

How a Personal Injury Case Is Valued: What Goes Into the Settlement Number in Missouri

When you’ve been injured in an accident in Missouri, one of the first questions that comes to mind is: How much is my case worth? Determining the value of a personal injury case involves several factors, and each case is unique. Understanding how settlement amounts are calculated can help you make informed decisions as you pursue compensation.


Key Factors That Affect Your Settlement Value


1. Medical Expenses


 The total cost of your medical care is one of the largest components in calculating a settlement. This includes hospital bills, surgeries, prescription medications, rehabilitation, and future medical needs if your injuries require ongoing treatment.


2. Lost Wages and Future Earning Capacity


 If your injuries prevent you from working, either temporarily or permanently, your lost income will be factored into your claim. Additionally, if your ability to earn a living is reduced long-term, you may be entitled to compensation for lost earning potential.


3. Pain and Suffering


 Unlike medical bills, pain and suffering are non-economic damages. They reflect the physical pain, emotional distress, and diminished quality of life you’ve experienced due to the injury. Missouri law does not cap pain and suffering damages in most personal injury cases, which allows room for fair recovery based on the severity of the impact.


4. Property Damage


 If your case involves a car accident or other damage to personal property, the cost of repairs or replacement will also be included in the settlement calculation.


5. Comparative Fault


 Missouri follows a pure comparative fault rule. This means that if you are found partially at fault for the accident, your compensation will be reduced by your percentage of fault. For example, if you are 20% at fault, your total award will be reduced by 20%.


6. Insurance Policy Limits


Even when your damages are extensive, the amount you can recover may be limited by the at-fault party’s insurance coverage. In some cases, additional legal action or uninsured/underinsured motorist coverage may help fill the gap.


The Importance of Legal Guidance


Determining the true value of a personal injury claim requires more than adding up bills—it involves understanding how Missouri law applies to your unique circumstances. Negotiating with insurance companies can be challenging, as they often attempt to minimize payouts.


At The Khouri Law Firm, we can provide legal assistance to the St. Louis public. Our team can help assess your case, calculate the full extent of your damages, and pursue the maximum compensation available under Missouri law.

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Work accidents can happen at any time, in any industry, and often result in significant physical, emotional, and financial strain on employees and their families. At Khouri Law Firm in Missouri, we understand the complexities surrounding workplace injuries and are committed to helping workers navigate their legal rights to obtain the compensation they deserve.  Common Causes of Work Accidents Workplace accidents can arise from various conditions, but some common causes include: Slips, Trips, and Falls: These are among the most frequent workplace injuries, particularly in environments such as construction sites or retail spaces, where surfaces can be slippery or uneven. Overexertion: Lifting heavy objects or performing repetitive motions can lead to musculoskeletal injuries, which are prevalent in industries such as manufacturing and healthcare. Machinery Accidents: Employees operating heavy machinery or equipment are at risk of serious injury if safety protocols aren’t followed. Exposure to Harmful Substances: Chemical burns, respiratory problems, and other injuries can occur in workplaces where toxic materials are handled. Transportation Accidents: Drivers or workers operating vehicles for their job, like delivery or commercial truck drivers, face risks of crashes or collisions. Missouri Workers’ Compensation Laws Missouri law requires most employers to carry workers’ compensation insurance. This system provides benefits to employees injured on the job, regardless of fault. Key benefits include: Medical Expenses: Coverage for medical treatment and rehabilitation services. Lost Wages: Compensation for wages lost during recovery, either partial or total, depending on the injury's severity. Permanent Disability: Benefits for those who suffer a long-term or permanent disability due to a work accident. Death Benefits: Financial compensation for the family of a worker who tragically loses their life in a workplace accident. What Should You Do After a Work Accident? If you’ve been injured at work, it’s important to take the following steps to protect your rights: Report the Injury: Notify your employer immediately about the accident and the injury. In Missouri, you typically have 30 days to report a work-related injury. Seek Medical Attention: Get medical care right away. Your employer or workers’ compensation insurer may require you to visit specific doctors for treatment. File a Workers’ Compensation Claim: After your injury is reported, your employer should assist with filing a claim to ensure you receive benefits. Document Everything: Keep records of your injury, medical treatments, communication with your employer, and any other relevant information. When Should You Contact an Attorney? Although Missouri’s workers’ compensation system is designed to help injured workers, disputes and complications can arise. You may need to consult with an experienced attorney at Khouri Law Firm if: Your claim is denied or delayed. You are offered inadequate benefits. Your employer retaliates against you for filing a claim. You suffer a permanent disability and need assistance with securing long-term benefits. At Khouri Law Firm, we specialize in handling work accident cases and are dedicated to ensuring our clients are fairly compensated for their injuries. We will work diligently to guide you through the workers’ compensation process and fight for your rights, whether it involves negotiating a settlement or pursuing litigation. Workplace accidents can cause devastating effects on your health, finances, and overall well-being. Missouri workers’ compensation laws are in place to protect you, but having the right legal support can make a significant difference in securing the compensation you deserve. If you or a loved one has been injured in a work-related accident, Khouri Law Firm is here to help. Contact us today for a consultation and let us help you get back on your feet.