• About
    • Our Attorneys
    • Verdicts and Settlements
    • Community
      • Sponsorship Request
      • Partnerships
      • Project Backpack
    • Testimonials
    • Scholarships
      • Cancer Scholarship
    • Careers
    • Our Core Values
  • Practice Areas
    • Car Accident
    • Truck Accident
    • Motorcycle Accident
    • Product Liability
    • Mesothelioma
    • Workers Compensation
    • Dog Bite
    • Slip and Fall
    • Wrongful Death
    • Maritime Injury
    • Pedestrian Accident
    • Dangerous Drugs
    • Defective Devices
    • Mass Torts
    • Premises Liability
    • View All Practice Areas
  • Areas we Serve
    • Lafayette
    • Alexandria
    • New Iberia
    • Marksville
    • New Orleans
    • Monroe
    • Arnaudville
    • Baton Rouge
    • Breaux Bridge
    • Broussard
    • Cankton
    • Carencro
    • Cecilia
    • Duson
    • Cade Coteau
    • Grand Coteau
    • Lake Charles
    • Opelousas
    • View All Areas We Serve
  • Resources
    • Blog
    • FAQs
    • Videos
    • For Referring Attorneys
  • Hurricanes
  • Contact Us
Available 24/7 • 365 Days (337) 777-7777 Hablamos Español
(337) 777-7777 Hablamos Español
No Win - No Fee AVAILABLE 24/7

How Much Do Insurance Companies Pay For Pain and Suffering?

Put 350 Years of Experience in Your Corner GET A FREE CASE EVALUATION
Your Voice is Our Voice
Attorney David Laborde | Attorney Digger Earles
  1. Home
  2. FAQs
  3. How Much Do Insurance Companies Pay For Pain and Suffering?
On This Page
  1. Insurance Companies May Pay for Pain and Suffering in Louisiana
  2. Evidence Insurance Companies Might Use to Calculate Pain and Suffering
  3. How Insurance Companies Calculate Pain and Suffering Damages
  4. Insurance Companies May Offer You Much Less Than You Are Entitled to
  5. Reasons for Expedience in Pursuing Your Claim
  6. How Our Team Can Help with Your Case
  7. We Have Obtained Millions of Dollars in Awards for Our Clients
  8. Call Laborde Earles Injury Lawyers Today
Contact Us Today

Get The Help
You Need

I NEED HELP NOW

Your personal injury lawyer can help you calculate your recoverable damages, which may include:

  • Medical Bills
  • Income Loss
  • Property Damage
  • Pain & Suffering
  • Emotional Distress
  • Lasting Disfigurement
How Much Do Insurance Companies Pay For Pain and Suffering?

How much insurance companies pay for pain and suffering depends on the specifics of the case. For example, insurers consider the claimant’s injuries, the losses they sustained, and how long their injuries will continue to affect them.

If you or a loved one suffered injuries due to someone else’s negligence, our firm will calculate a fair value for your pain and suffering. Then, we can negotiate a settlement with the insurance company on your behalf.

Insurance Companies May Pay for Pain and Suffering in Louisiana

Pain and suffering is a broad legal term that encompasses numerous damages after an injury. Since pain and suffering is intangible, the value of these damages may be difficult to determine.

Louisiana courts recognize the need to compensate victims for their pain and suffering. As a result, insurance companies do consider these damages in personal injury claims. In fact, there are no caps on pain and suffering damages in personal injury cases involving car accidents. However, there is a $500,000 cap on damages in medical malpractice cases in Louisiana.

Pain and Suffering Damages Vary From Case to Case

Determining the depth of an individual’s personal pain takes significant care and consideration. For example, individuals with chronic pain may receive larger settlements than people who experienced pain for a set amount of time.

Still, the insurance company will focus on objective facts to determine the value of pain and suffering. Alternatively, an attorney from our firm would take the time to examine your pain and suffering damages and ensure we assign a fair value before negotiating with the insurer.

CTA CTA

Laborde Earles injury was great for me they took care of me very fast and professional. If for any reason I need legal help they will be who I use.

Client
Call Us Today We Are Here For You
(337) 777-7777

Evidence Insurance Companies Might Use to Calculate Pain and Suffering

Every bit of supporting evidence available can strengthen your potential case. For example, keeping the following items can help solidify a claim for financial recovery:

  • A diary of your experiences
  • Medical invoices
  • Prescription receipts
  • Receipts for relevant extra items
  • Relevant pictures or x-rays
  • Doctor’s office paperwork
  • Bills for ongoing therapy
  • Documentation of lost wages

One of the most important things to keep is a journal or diary of your experiences related to the incident. By describing the pain you feel daily and the inconveniences you are experiencing, you may be better able to sway the insurance company to offer you a higher amount.

Insurance adjusters are trained to offer low amounts initially, so it often requires negotiation to get higher settlement offers that recognize pain and suffering.

CTA CTA

I thank God for Digger & David. I don’t know what we would have done if it hadn’t have been for them.

Rick Smith | Client
Contact Us Today We want to be there for you

How Insurance Companies Calculate Pain and Suffering Damages

Pain and suffering is considered part of the “general damages,” but calculating it can be more difficult than economic damages like medical bills or lost wages. Insurance companies may use one of the following approaches for determining how much your pain and suffering is worth:

The Per Diem Approach

Louisiana insurance companies and courts sometimes use a per diem approach when calculating damages. Per diem is a Latin phrase meaning “each day” or “per day,” as the Legal Information Institute (LII) explains.

When using the per diem approach, the insurance company will assign a specific dollar amount to each day the injured party’s injuries keep them out of work. This number is typically the dollar amount the injured party would have made.

For example, your injuries kept you out of work for 180 days. If you would have made $250 each day you were out of work, you could recover $45,000 in pain and suffering.

The Multiplier Approach

In the multiplier method, the insurance company will assign a number between one and five to your injuries, depending on their severity. Once it has assigned this number, it will multiply that figure by the amount of your economic damages (e.g., medical bills, lost wages, related costs, etc.)

For example, if you suffered rather severe injuries, the insurance company may have assigned you a 4.5. In that case, if you have $35,000 in economic damages, you could receive $157,500 in pain and suffering damages.

Insurance companies may also use a standardized form of software to justify smaller offers to victims. Having a personal injury attorney from our team on your side can help ensure you receive a fair amount of compensation.

CTA CTA

The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.

Client
Call Us - (337) 777-7777 We are here when you need us the most

Insurance Companies May Offer You Much Less Than You Are Entitled to

Insurance adjusters are just doing their job when they offer low initial amounts to claimants. Their incentive is to minimize the damages for which their employer is liable. While you have the right to negotiate with the insurer, this process can be difficult.

Statute of Limitations for Personal Injury Cases in Lafayette, LA

It is also important to note that the statute of limitations is two years in Louisiana per CC Art. 3492. If you fail to negotiate what you believe to be a fair settlement, you can file a lawsuit, but you must do so within this time limit.

CTA CTA

They treated us like no other people would. Whenever we needed something they were there for us. I put my trust in them and I don’t regret it.

Client
Contact Us Today We will work to get you the best outcome for your case

Reasons for Expedience in Pursuing Your Claim

Despite this two-year limit, evidence in the case may have a shorter shelf life. Important time-sensitive evidence can include:

  • Roadway broken glass spray
  • Tire skid marks
  • Commercial driver log records
  • Witness memory
  • Nearby security camera footage

These types of evidence may bolster your case and potential damage amount, but they require quick collection.

How Our Team Can Help with Your Case

While we cannot predict exactly how much an insurance company will pay for pain and suffering in any given case, we can investigate your case and provide an estimate.

Working with a lawyer removes the burden of collecting evidence and handling other case matters. Healing is a top priority after suffering injuries, and other tasks often fall on the back burner. Hiring a legal team enables you to focus on getting better while avoiding stress and missed deadlines.

Laborde Earles Injury Lawyers can assist you with:

  • Gathering evidence to support your case
  • Communicating the details of your case
  • Negotiating with the insurance companies
  • Filing the requisite paperwork
  • Keeping you updated on the case’s progress

We Have Obtained Millions of Dollars in Awards for Our Clients

At Laborde Earles Injury Lawyers, our team has a combined 350 years+ of experience handling personal injury cases and fighting for the best outcomes for our clients. Our attorneys have won more than $200 million in settlements and court verdicts in past cases. Here are just some examples:

  • $10,400,000.00 – Loss of revenue
  • $1,800,000.00 – Settlement for victim of an 18-wheeler accident
  • $1,750,000.00 – Passenger injured at defective railroad crossing
  • $425,000.00 – Shopper hit by shopping cart causing back injury

When you hire our team to represent you in an injury case, we will fight in or out of court to get the compensation you need to move forward.

Call Laborde Earles Injury Lawyers Today

If you were injured and have questions about who may be responsible, call Laborde Earles Injury Lawyers today at (337) 777-7777. Our firm handles cases on a contingency-fee basis, which means that you pay no upfront costs, and we recover no attorney’s fees if we do not deliver compensation.

Personal Injury Blog Posts:
Severe Storms Hit Central and Southern Louisiana on May 13, 2024, Causing Damage and Power Outages

Severe Storms Hit Central and Southern Louisiana on May 13, 2024, Causing Damage and Power Outages

Severe Weather Impact on Central and Southern Louisiana On May 13, 2024, Central and Southern Louisiana, including Rapides, Avoyelles, and Lafayette Parishes, were struck by severe thunderstorms....

Louisiana Hit and Run Laws

Louisiana Hit and Run Laws

According to Louisiana law, if a driver is involved in a car accident and leaves the scene without taking responsibility for his actions or sharing specific information with you and local police,...

Laborde Earles Partners with Love Acadiana to Feed 3,000 People this Thanksgiving

Laborde Earles Partners with Love Acadiana to Feed 3,000 People this Thanksgiving

At Laborde Earles Injury Lawyers, community is one of our core values. This Thanksgiving, we are thrilled to have partnered with Love Acadiana to purchase, pack and distribute 460 Gobble Boxes filled...

Why We Are

The Best Choice For You

Over 1,000+ 5-Star Google Reviews Across Our Locations
Over $1 Billion Recovered For Our Clients
An Award-Winning Team in Your Corner
You Get the Full Team on Your Case, Including David & Digger
Communication with You is a Top Priority
We Give Back to Our Communities

No Fee Unless We Win Your Case

Available 24 hours a day • 7 days a week
GET YOUR FREE CASE EVALUATION
Personal Injury FAQ:
What to Do if You’re Injured in a Train Accident in Louisiana? What to Do if You’re Injured in a Train Accident in Louisiana?

When you've suffered injuries in a Louisiana train accident, the first step you should take is to prioritize your health and get a medical evaluation. When you’re aware of your health, you can

Do Your Kids Walk to School? Do Your Kids Walk to School?

If your kids have not gone back to school yet, they will soon, and you are probably both looking forward to it and dreading it. As a parent, it is only natural for you to worry about your

What Is the Average Settlement for Upper and Middle Back Pain After Car Accident? What Is the Average Settlement for Upper and Middle Back Pain After Car Accident?

The average settlement for upper and middle back pain after a car accident can vary widely based on injury severity and prognosis. No two people may experience pain in the same way, and back injuries

Contact Us Form
CONTACT US TODAY NO WIN, NO FEE GUARANTEE
Name(Required)
Name(Required)
Untitled
Untitled

FAQ Categories
  • Accidents in Intersection
  • Bicycle Accident
  • Car Accidents
  • Defective Product
  • Dog Bite
  • Head Injury
  • Hurricane Damage
  • Jones Act
  • Knee Injury
  • Maritime Injury
  • Medical Malpractice
  • Mesothelioma
  • Motorcycle Accidents
  • Neck Injury
  • Pedestrian Accidents
  • Personal Injury
  • Premises Liability
  • Rear End Collisions
  • Rideshare Accidents
  • Robocalling
  • Sexual Abuse
  • Slip and Fall Injury
  • Spinal Cord Injury
  • Traumatic Brain Injury
  • Truck Accidents
  • Whiplash Injury
  • Workers' Compensation
  • Wrongful Death
  • Zantac

 

Frequently Asked Questions
What Is the Average Settlement for Chest Pain After a Car Accident? What Is the Average Settlement for Chest Pain After a Car Accident?
Burn Injury Settlement Amounts and Verdicts Burn Injury Settlement Amounts and Verdicts
Does Comparative Fault Apply to Insurance Claims? Does Comparative Fault Apply to Insurance Claims?
Find Yourself a Passionate Lawyer Now!
  • Bay City Personal Injury Lawyer
  • Crowley Personal Injury Lawyer
  • Leesville Personal Injury Lawyer
  • Chataignier Personal Injury Lawyer
  • Sherburne Personal Injury Lawyer
  • Seadrift Personal Injury Lawyer
  • Cecilia Personal Injury Lawyer
  • Morgan City Personal Injury Lawyer
  • Hammond Personal Injury Lawyer
  • Bunkie Personal Injury Lawyer
How can we help you

How We Can Help You

Let our injury attorneys help you maximize the compensation you deserve to turn your life back around.


Contact us today if you want to tell us about your accident. We have someone available to discuss your situation at all times of the day.

Contact Us

(337) 777-7777

FREE Case Evaluation

No Win - No Fee
Name(Required)
Name(Required)
Email Opt In
SMS Opt in

Contact Us

(337) 777-7777

OFFICE LOCATIONS

Lafayette
1901 Kaliste Saloom Rd,
Lafayette, LA 70508

Phone : (337) 777-7777

Alexandria
100 Versailles Blvd, Suite A,
Alexandria, LA 71303

Phone : (318) 777-7777

Marksville
306 North Washington Street, Suite A,
Marksville, LA 71351

Phone : (318) 310-8922

New Iberia
230 W. Main Street,
New Iberia, LA 70560

Phone : (337)-547-2777

Lake Charles
530 E College St,
Lake Charles, LA 70605

Phone : (337) 612-6909

New Orleans
821 Baronne St, Suite D,
New Orleans, LA 70113

Phone : (504) 777-7777

Baton Rouge
660 St Ferdinand St,
Baton Rouge, LA 70802

Phone : (225) 777-7777

Practice Areas

  • Bicycle Accident
  • Car Accident
  • Dangerous Drugs
  • Dog Bite
  • Maritime Injury
  • Mass Torts
  • Motorcycle Accident
  • Pedestrian Accident
  • Premises Liability
  • Product Liability
  • Toxic Torts
  • Truck Accident
  • Slip and Fall
  • Wrongful Death

About Links

  • Our Attorneys
  • Verdicts and Settlements
  • Community
  • Testimonials
  • Scholarships

Leave a Review

  • LAFAYETTE
  • ALEXANDRIA
  • MARKSVILLE
  • NEW ORLEANS
  • NEW IBERIA
  • LAKE CHARLES
  • BATON ROUGE

Copyright © Laborde Earles Injury Lawyers 2025.
All Rights Reserved.

Disclaimer / Privacy Policy / Sitemap

Hennessey-Digital-Badge