Personal injury law is about finding the truth and delivering justice for people whose lives have been harmed by negligent or other wrongful conduct. It can be tough to set a dollar amount on injuries you suffer in an accident. There are so many things to consider: doctor's bills, time lost from work, medical costs for ongoing injuries, pain and suffering, and so on. Insurance companies take all of them into account when deciding how much to offer -- and ultimately pay out -- for a personal injury claim.