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Most states that I am aware of do not have a 'formula' to compensate accident victims, I belive that workers comp. etc, might, but all claims/injuries stand alone, and are investigated, evaluated on their own merit. You will be compensated the amount that is due to put you back in the place/condition you were prior to the accident, (subject of course, to exclusions/policy limits etc).

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Q: What formula do insurance companies use to compensate accident victims?
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