In many cases it would seem that Insurance Companies decide how much to pay you by looking at your case and offering you half of what your owed. Okay - this isn’t really how they do it – just my opinion. But usually they’ll offer you around half because they’re trying to save money, and they’re hoping you’ll accept it. You never want to settle your personal injury case for less than full value. You have to go to the insurance company with a demand package with a reason to pay you full value on your claim. Otherwise, what’s their reason to pay you? If you can’t properly document your injuries and damages, why should they pay you? You have to give them a reason to pay you what you what is right and what you deserve.