first of all it depends on what type of treatment you are doing and for how long.
and it is not incorrect to say that the insurance just pays for the damages to car and medical bills, but what happens is that there are claim adjusters for your PIP #( the one that you have to give for any appointments and treatment to be billed to the insurance.) that determine whether or not you should get any money...so you may or may not.
I am currently going through this right now and I am almost done with my treatment, so when everything is all finished and done I should get a really nice check.
but if you want to find out how much you will get call your car insurance so they can tell you.
Generally, a personal injury settlement is a lump sum and is intended to compensate the claimant for past & future medical expenses and wage loss and other,
concrete damages as discussed below. What people don't often understand about "pain and suffering" is those damages are more difficult to prove because they're subjective and often unseen. For example, if you have difficulty sleeping due to chronic neck or back pain, it's very difficult to prove. It's simply your word, and the insurance adjuster is likely to suspect you are exaggerating. The burden of proof is on the claimant. Discussing such a situation with your medical provider, providing a receipt to prove you bought a new bed or mattress, a receipt for a prescription for pain medication or sleeping pills: these are ways to bolster a claim for "softer" damages.
Pain and suffering is subjective and determined most often by lawyers and a judge during a trial. Insurance pays only for medical bills and repair of physical damage to your car. If you are looking for other reimbursement, you will need to speak with an attorney.
I believe if a person is in an auto accident and has pain and suffering, the compensation for that should be calculated by how long your in pain, and if any emotional or phycological probloms occured because of it. I know a person who was in an accident and the doctors said he hit his head so hard that it gave him a cognitive impairment. Now he has to see neourologists for pain and migraine. he also sees a phycologist for depression and anxiety. I think this person should get a lot of money. I don't know how much, but what is are thinking ability worth these day. Can you put a price on that? Hmmm. I wonder..
Answer
It is incorrect to say that Insurance pays only for medical bills and damage to car.
It varies slightly with each state, but the victim of a car accident is entitled to, medical, future medical, property damages, pain and suffering, lost wages, lost earning capabilities, and mental anguish. Fault affects who holds that liability. Some states also allow for compensation for damage to relationships, family inconveniences and lost ability to enjoy life.
There are lots of websites to help with "how to" determine reasonable amounts.
Good Luck
In the UK pain and suffering is known as general damages and is the actual pain and suffering an accident causes you. Of course - this might seem very difficult to quantify, but in truth it is not so complex. The first step is to show exactly what your injury was at the time of the car accident, the symptoms you have suffered to date and what the future holds for your recovery. This information is produced by a consultant medical expert of the correct discipline who has access to your GP and hospital notes and who examines you.
For example, if you suffered whiplash or back injury - this expert would be a consultant orthopaedic surgeon with a specialism in spinal injuries.
Your lawyer would then look at the injury describes and compare the injury to previous cases decided by the courts in the past for similar injuries.
To see examples of compensation amounts you can receive in a car accident see the link entitled "car accident compensation" and for the amounts of compensation for all manner of injury you could suffer in a road traffic accident see the related link entitled "compensation amounts".