Estimating the value of your claim is a difficult process, because many things which may seem to be unrelated to your case may play into the insurance company’s evaluation. Assuming liability is not an issue (you are not even 1% at fault), the value of a case is based on several elements:
However, when the adjuster is talking to you he or she is probably trying to access what kind of witness you would make in Court. If you do not present well they will likely devalue your case. You can get around this by letting a lawyer talk for you. In that way, they can only assume that you are a well-spoken, credible victim of the negligence of their insured.
But more to the point, there is no magic formula to determine the value of a case. It depends on what evidence is available and how the evidence comes to light. It depends on whether there are inconsistencies in the testimony or the medical records which would make the jury question the credibility of the injured person’s case. It also depends on the impression the plaintiff or the defendant makes on the jury. Many experienced attorneys who know all the facts can usually predict a “range” of value, but even with all the information, it is not possible to come up with an exact figure.