There is no average figure that would be at all helpful to you. Your provable damages are what matter, and even in similar kinds of accidents the injuries can be significantly different. You are entitled to payment for the medical bills for the injuries that resulted from the accident, compensation for any lost wages/income from being unable to work while recovering from the injuries, payment for the damage done to your property in the accident, compensation for any permanent disability or disfigurement, and to an amount for pain and suffering. The last of those is the one that can vary the most as there is no set rule for what pain and suffering is worth. Juries can award a lot or very little for pain and suffering; there is no way to know what any particular jury would do. The insurance company may use a figure for pain and suffering based on the value of the other proven damages (medical bills, lost income, etc) in making their offer, but that's not a rule set in stone. I don't know what the total is of the med bills, lost income, and property damage are nor do I know the extent of the injury suffered and how much pain it has caused you. Your lawyers are in the best position to determine what might be realistic to get in your case as they know all the facts. Sure, they are going to shoot for the $100k limit if they think there is any chance to get it. But you'll just have to wait and see what they are able to do for you and what the insurance company will offer.
