While it is impossible to provide a value at the early stages of your case, the factors the insurance company take into consideration when evaluating a claim include the duration of your treatment, the impact if had on your activities of daily living, the limitations you have once you have reached a medical endpoint, and what, if any, future medical costs you could have in the future. All of this evidence if in your control. Essentially, the more you do to get back to how you were 5 minutes before the incident, the more your case is worth. The good news is — the more you do, typically the sooner you recover. If it comes that you will never recover, your case goes up in value (although that is bad news for you).
Another answer we give to clients when they ask this question is “as much money as we can get before we risk losing it at trial.” Typically, the closer to trial we get, the more the offer grows, because the insurance company’s risk of loss increases. We will always try to get the most money without filing a lawsuit, but the reality is, if the client can wait, we get more money on good cases the closer we get to trial. If there is a good offer on the table, it is, in our opinion, better to accept it rather than run the risk of a jury coming back with a verdict for zero dollars, or less than the offer, which is always a very real possibility.