Hi,

My name is XXXXX XXXXX X'd be happy to answer your questions today. We have recently implemented a new rating and feedback system. Please be aware that you are rating my courtesy and service as a professional, and not necessarily whether you like the information that you are receiving. If you have any questions whatsoever, or there is anything I can clarify for you, please temporarily bypass the rating system by clicking “Continue the Conversation” or "Reply" Clicking either of the lowest two options reflects poorly on me (and not whether the law favored your situation), so please reply to me if there is anything else I can do to help before choosing those options. I appreciate your patience while we work out the kinks.

The general rule is 3-5 times the medical bills. The past few years, though, the insurance companies have been getting tighter with money, and they're offering closer to twice the medical bills. The injured party has no obligation to accept the first offer (or even later offers). So, keep that in mind. Also be aware that, if your medical bills were covered by your health insurance company or Medicare, they have a lien on any check you get from the other party - you have to repay them. So, keep that in mind when negotiating.

That 3-5 times is also just a guideline. A Nevada lawyer could do research on similar jury verdicts and settlements in your area, and draft a demand letter based on what amounts juries are giving in similar cases - and that could be more than 5 times the medical bills. You may want to call around to see if having a lawyer represent you would benefit you. However, you're capped at the policy limits, so if they're more than $100,000, it may not be worth fighting for more than that - so, look at the policy to see what the maximum it will pay.

Good luck.