Before you judge an offer, list what the accident has actually cost you and what proof you have for each item. The gaps you find are what to fix before you negotiate. It won't give you a settlement figure; it shows you what one should cover.
1. Incident and responsibility
2. Injury and medical status
Condition / symptom
First reported
Provider
Current status
Future recommendation
3. Economic loss summary
Category
Paid
Outstanding
Future estimate
Supporting record
Medical / rehabilitation
Medication / equipment
Travel / parking
Past income
Future income capacity
Household / caregiving
Property loss
Other
4. Daily function and quality of life
Activities affected
Personal care
Sleep
Mobility
Driving
Work
Household tasks
Caregiving
Recreation
Best specific examples
5. Insurance and recovery sources
Insurer / party
Claim number
Coverage type
Limit / status
Adjuster / contact
6. Settlement readiness
Responsibility investigation is reasonably complete.
Medical diagnosis and prognosis are sufficiently understood.
Future treatment and restrictions are documented.
Past and future income issues are supported.
Every expense is reconciled with benefits and insurance payments.
All likely policies, parties and recovery sources are investigated.
Liens, fees, expenses and expected net recovery are estimated.
The full scope of the proposed release is understood.
Local deadlines and required notices are confirmed.
Professional advice has been obtained where stakes or uncertainty are significant.
7. Offer comparison
Item
Offer 1
Offer 2
Expected alternative
Gross amount
Fees and case costs
Liens / repayments
Other deductions
Estimated net
Payment timing
Claims released
Future loss unresolved
Main risk
General educational tool only. Keep sensitive information secure. Confirm local law and obtain appropriate professional advice.