Typical ranges and multipliers by injury.
Settlement value depends heavily on injury type and severity. These are typical ranges and the multipliers insurers apply — your case turns on liability, evidence and medical bills.
| Injury | Multiplier | Typical range |
|---|---|---|
| Whiplash | 1.5× | $2,500–$10,000 |
| Soft tissue injury | 1.8× | $5,000–$25,000 |
| Broken bone / fracture | 3.0× | $15,000–$60,000 |
| Herniated disc | 3.5× | $25,000–$120,000 |
| Back injury | 3.0× | $20,000–$100,000 |
| Knee injury | 3.0× | $15,000–$75,000 |
| Shoulder injury | 2.8× | $15,000–$70,000 |
| Concussion / TBI | 4.5× | $50,000–$300,000+ |
| Scarring / disfigurement | 4.0× | $30,000–$200,000 |
| Spinal cord injury | 5.0× | $200,000–$1M+ |