Instead of focusing on one “magic number,” it helps to understand the buckets insurers look at when they decide how much to offer.
1) Medical expenses and treatment intensity
For many Wendell riders, the biggest factor is how treatment progresses: emergency care, imaging, follow-up visits, physical therapy, and any specialist care.
Insurers typically weigh:
- Whether the diagnosis is consistent over time
- Whether symptoms were documented promptly
- Whether treatment appears reasonable and medically necessary
2) Lost wages and work impact
Even when you’re back at work, a claim may involve reduced hours, restricted duties, or missed shifts—especially if your job requires physical activity.
Keep documentation such as:
- Pay stubs and employer letters
- Work schedules and missed shifts
- Notes about restrictions from your healthcare provider
3) Non-economic damages (how injuries affect life)
Pain, suffering, and reduced quality of life matter, particularly with injuries that affect mobility, sleep, or long-term function.
In practice, these damages are supported through consistent medical records and credible testimony—not just your statement that life feels different.
4) Motorcycle repair or total loss
Property damage is sometimes handled separately from personal injury, depending on your insurer and the at-fault party’s coverage. If your bike is damaged, the repair estimate, replacement value, and documentation of condition can affect overall recovery.