In practice, a settlement isn’t pulled from a single formula. Insurers in Georgia typically look at:
- What injuries were caused by the crash (not just what happened to you afterward)
- How the injuries were documented by doctors and therapists
- How long recovery took and whether treatment appears reasonable
- Whether fault is clear or contested based on crash evidence
- Insurance policy limits available from the responsible driver
For riders in Pooler, the early months can be especially important. Some injuries (neck/back issues, concussion symptoms, nerve pain, mobility problems) may not be fully diagnosed immediately—yet insurers may try to lock in a low valuation before the full picture is documented.


