So many injury victims want to know the value of their claim from the outset.  The answer is simple: it is impossible to know unless there is a crystal ball available.  Factors that affect settlement value include the nature and extent of injuries, amount of reasonable & necessary medical bills, insurance coverages available, insurance limits, liens, subrogation/reimbursement rights and property damage, just name a few.  There is no magic multiplier formula to plug into a calculator.  If it were that easy, then there would be no need for insurance adjusters or attorneys.  The only way to have a true gauge of settlement value is to look at all the factors as the case develops and then determine a fair range based on what can be expected.  This will vary by jurisdiction and current trends as well: a case in Arizona in 2017 is not worth the same as an identical case from California in 1985 – it is probably worth less now.