We are trying to make a personal assessment of what might be fair and
reasonable. I know that Google answers does not provide legal advice.
We were on a dive boat (not in the U.S.). It hadn't even gotten out
of sight of the dock, when the pilot began revving it faster and then
. . . ran it onto a sandbar. BAM! It was like being in a car crash.
One of us got bruises all down one side; nothing permanent. The other
got bruises and a broken rib; again, nothing permanent.
The remainder of what would have been our vacation was spent first,
going to a doctor & picking up prescriptions, and then recuperating.
Not much fun and certainly no excitement for the next month or so. We
lost 10 days of vacation. Plus pain, plus being unable to sleep
except sitting up (the broken rib), plus plus plus . . .
The owners of the boat think that they owe us nothing, we think
otherwise. Their insurance deductible (according to their insurance
company) is $2,500 which is more than we are asking, anyway.
Do they owe us nothing? Or, what would be reasonable?
Comments welcome . . .
Request for Question Clarification by
29 Apr 2006 19:55 PDT
Please read this article, which I think will probably provide the
information you are seeking. Here you will find, in general terms, the
typical formula insurance companies use in determining compensation
for personal injury cases.
"When the injuries are relatively minor, the adjuster multiplies the
amount of special damages by 1.5 or 2. When the injuries are
particularly painful, serious, or long-lasting, the adjuster
multiplies the amount of special damages by up to 5. (The multiplier
may be as great as 10 in extreme cases."
HOW MUCH IS MY PERSON INJURY CLAIM WORTH?
You may also find THE COLLISION WIZARD especially helpful in
determining the typical award expectations:
Please let me know if this works for you as an answer since we can't
accurately apply a given formula to your specific case without knowing
all the details and actual costs associated with them.