Average settlements vary dramatically based on injury severity, making general averages misleading for evaluating individual cases. Minor soft tissue injuries might settle for $3,000-$15,000 while catastrophic injuries can reach millions depending on circumstances. Medical expenses form the baseline with pain and suffering multiples typically ranging from 1.5 to 5 times medical costs. Permanent injuries, scarring, and disability significantly increase values beyond simple medical expense calculations. Insurance policy limits create practical ceilings regardless of actual damages in many cases. Local jury verdict trends influence settlement values as parties evaluate trial risks versus negotiated resolutions. Your specific circumstances including age, occupation, and injury impact determine appropriate compensation rather than statistical averages.