personal injury lawyers

Fighting for maximum injury compensation for you and your family

No Fees Until We Win

How Much Can Someone Sue for a Car Accident?

Car accidents are an unfortunate reality of our roadways, and they can leave a lasting impact on those involved. If you’ve been in a car accident, you might be wondering about your legal rights and the potential compensation you could receive through a lawsuit.

How Much Can Someone Sue for a Car Accident?

In this comprehensive guide, we’ll explore the factors that influence whether you can sue, the potential compensation, the role of insurance, and the importance of experienced attorneys.

Whether you’re a driver, passenger, or pedestrian, this guide will help you navigate the complex world of car accident claims.

Can I Decide to Sue for a Car Accident?

Yes, you have the legal right to decide whether or not to sue for a car accident. In many cases, individuals opt for insurance claims as they are a more straightforward process. 

In the United States, around 95% of car accident cases are resolved through insurance claims. However, there are situations where suing becomes a necessary option. Here are some considerations:

  • If you or your passengers have sustained severe injuries that significantly impact your quality of life, a lawsuit might be the best way to ensure adequate compensation.
  • If the fault in the accident is contested, a lawsuit can help establish liability and recover damages.
  • If the at-fault driver is uninsured or underinsured, pursuing a lawsuit may be your only recourse for fair compensation.

See also : Can you sue for pain and suffering in NJ?

Can Someone Sue You for a Car Accident if You Have Insurance?

We know having insurance is crucial in a car accident scenario, as it can provide financial protection and cover damages you might owe to others.

Approximately 20% of car accident cases in the United States result in lawsuits when the damages exceed the insurance policy limits. 

However, being insured doesn’t make you immune to lawsuits. Here’s how it works:

  • If you’re at fault in an accident, the injured party can file a claim against your insurance to seek compensation for their damages. Your insurance will handle the negotiation and settlement.
  • If the damages exceed your insurance policy limits, you may be personally liable for the excess amount. In such cases, a lawsuit can be filed against you.

Car Accidents: Average Settlement for Personal Injury

When it comes to personal injury claims arising from car accidents, the settlement amount can vary significantly. The severity of injuries and their impact on the victim’s life plays a pivotal role in determining the settlement amount.

Similarly, the total medical costs incurred due to the accident, including past and future expenses, are taken into account. Compensation for lost income during recovery, as well as any potential future earnings affected by the injuries.

Comprehensive Guide: Economic Damages and Non-Economic Damages

Economic Damages

These are the quantifiable losses that have a direct financial impact. They include:

  • Medical Expenses: This covers hospital bills, doctor’s fees, surgeries, medication, and rehabilitation costs. In the United States, the average medical expenses in personal injury claims are around $15,700, while property damage claims typically average at $3,500. 
  • Property Damage: Compensation for the repair or replacement of your damaged vehicle.
  • Lost Wages: If you’re unable to work due to injuries, you can claim the income you’ve lost. Due to injuries lost wages can vary but average around $2,000 per month.
  • Future Earning Capacity: If your injuries affect your ability to earn in the future, this can also be factored into the damages.

Non-Economic Damages

These are more challenging to quantify as they relate to the emotional and psychological toll of the accident:

  • Pain and Suffering: This compensation is for the physical and emotional distress you’ve endured due to the accident. On average, pain and suffering settlements can range from $3,000 to $75,000 in the U.S. 
  • Loss of Companionship: This refers to the impact the injuries have on your relationships, both personal and familial.
  • Loss of Enjoyment of Life: Compensation for the loss of ability to engage in activities you once enjoyed.

Car Accidents: Attorney Experience in New Jersey

If you’re in New Jersey and dealing with a car accident lawsuit, the experience of your attorney can greatly influence the outcome. New Jersey’s legal area has its distinction, and an attorney can navigate them effectively. Here’s why experience matters:

  • Familiarity with Local Laws: A local attorney understands the specific laws and regulations of New Jersey, ensuring your case complies with state requirements.
  • Negotiation Skills: Experienced lawyers are expert at negotiating with insurance companies, maximizing your chances of a favorable settlement.
  • Courtroom Success: In the event your case goes to trial, an attorney with a strong track record in New Jersey courts can represent you effectively.

See also : Cherry Hill NJ Car Accident Lawyer

What Is the Potential Amount for a Lawsuit Against an Insurance Company?

If you’re considering a lawsuit against an insurance company, it’s essential to understand what’s at stake. The potential amount for a lawsuit against an insurance company can vary widely depending on several factors, like policy limits, severity of damages, negotiation skills, and additional damages including the specific details of your case.

However, in some cases, individuals have been awarded settlements ranging from a few thousand dollars to several million dollars in the United States.

It is essential to consult with an experienced attorney to assess the potential value of your lawsuit and to determine the specific damages you may be entitled to claim.


Is it possible to maximize the value of a car accident claim?

Yes, it’s possible to maximize the value of a car accident claim by gathering strong evidence, seeking medical care promptly, and hiring an experienced attorney to negotiate on your behalf.

How can car accident lawyers help me?

Car accident lawyers can help you by handling communication with insurance companies, gathering evidence for your case, and representing your interests in negotiations or court to seek the compensation you deserve.


In the result of a car accident, understanding your rights and options is crucial. You have the power to decide whether to sue or pursue an insurance claim, but your decision should be guided by the severity of injuries, fault disputes, and insurance coverage.

When it comes to settlements, the amounts can vary significantly depending on factors like the extent of injuries, medical expenses, lost wages, and non-economic damages such as pain and suffering.

Consulting an experienced attorney is often the best way to navigate the complex legal landscape and maximize your compensation.

Free Injury Case Evaluation

Send the form below and we will call you back in minutes.

…or Call Us Now