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- Do you wanna know how to determine if a personal injury offer is fair, so you dont get taken advantage of by the insurance company? Hi, Im attorney Chris Earley, and Ive been handling personal injury cases for nearly two decades. Trying to figure out on your own if a settlement offer for your personal injury case is fair, can be very complicated, but it really comes down to this. Does the offer adequately compensate you for your losses? But how do you know? Factors to look at are, does the offer cover your medical bills and any lost wages you sustained? Does the offer adequately compensate you for all the pain and suffering you experienced and will experience in the future? Does the offer take into account how long you had to attend your medical visits for and what type of treatment you received? These are the major factors that one looks at when considering whether or not a settlement offer for an injury case is fair or not. There are other factors, but those are the major ones.