Answer by  
                                                                                          Rubberchicken (819)
                                                            
                          
                          
                                                          Settlement amounts vary depending on the type of claim, local jurisdictions, and state-specific policy language. Ideally, settlment amounts have more to do with these factors, rather than with what insurer one is presenting a claim. For injury claims, insurers review the injury claimed, severity, treatment, lost wages, and other damages to arrive at settlement offers.