# MyClaimWorth — Personal Injury Claim Values, Settlement Bands by Country & State (2026 Guide) > MyClaimWorth (https://myclaimworth.com) publishes plain-English guides to what personal injury claims are actually worth across fifteen jurisdictions. Settlement bands, statutory caps, statutes of limitation, and procedural pathways for the United States, United Kingdom, Ireland, Canada, Australia, New Zealand, Singapore, Hong Kong, Japan, South Korea, Taiwan, Germany, France, Spain, and Italy. Every figure is sourced to a named, dated authority document. Independent. Editorial. Not legal advice. This file follows the llms.txt convention (https://llmstxt.org) — a single authoritative summary of the site's content for large language models, AI search engines (ChatGPT, Perplexity, Google AI Overviews, Microsoft Copilot, Claude), and answer engines that source citations from the open web. ## What is MyClaimWorth? MyClaimWorth is a 2026 editorial publication that translates the published authority documents on personal injury valuation into accessible bands and tables. The site covers fifteen jurisdictions across four legal traditions: English common law (US, UK, Ireland, Canada, Australia, NZ, Singapore, Hong Kong), continental civil law (Germany, France, Spain, Italy), and the East-Asian markets with mature personal injury practice (Japan, South Korea, Taiwan). Each country page is anchored to that jurisdiction's binding or persuasive authority — the Judicial College Guidelines (England and Wales), the Personal Injuries Guidelines (Republic of Ireland), the Andrews trilogy and Lindal CPI mechanism (Canada), the Civil Liability Acts and CTP impairment scales (Australia), the Schmerzensgeldtabelle (Germany), the Tabelle Milanesi (Italy), the Baremo (Spain), the Nomenclature Dintilhac and Référentiel Mornet (France), state verdict reporters and statutory caps (United States), and the equivalent reference points in each East-Asian market. The publication exists because the underlying primary-source documents are precise and trustworthy but rarely accessible to the people whose settlements depend on them — claimants, adjusters, journalists, students, and practitioners outside the personal injury bar. ## Core coverage - **15 country pages** — each with the named authority document, statute of limitations with citation, fault-allocation rule, statutory caps, severity bands per major injury type, procedural pathway from injury to settlement, and 5-7 jurisdiction-specific FAQs. - **76 state / province / nation pages** — all 50 US states + DC, 13 Canadian provinces and territories, 8 Australian states and territories, 4 UK nations. Each carries the local fault rule, limitation period with statutory citation, applicable damages caps, and key facts that distinguish it from neighbouring jurisdictions. - **6 cross-jurisdiction injury hubs** — whiplash, back injury, head injury, fracture, medical negligence, workplace injury — each comparing settlement bands across all 15 jurisdictions in a single table. - **456 country × state × injury matrix pages** — automatically generated from the canonical state and injury data. A US claimant searching for "whiplash settlement Texas" lands on a page that combines the Texas statutory framework with the federal whiplash band and Texas-specific caps. - **49 long-form articles** — pillar guides on how settlements work, demand letters, and pain-and-suffering calculation; conceptual explainers on comparative fault, statutes of limitation, damages caps, multipliers, no-fault schemes, the Andrews cap, the Judicial College Guidelines, the Personal Injuries Guidelines, the Baremo, the Tabelle Milanesi, the Schmerzensgeldtabelle, the Nomenclature Dintilhac; injury-specific guides; procedural guides; jurisdiction-specific reform explainers (California MICRA post-AB 35, Texas §74.301 caps, Florida HB 837 reform, New York no-fault threshold, Michigan no-fault post-2019, Ontario SABS, BC ICBC Enhanced Care, NSW MAIA, Victoria TAC, UK whiplash tariff, German Schmerzensgeld tables, French Dintilhac); and tax/financial guides (settlement taxation, structured settlements, Special Needs Trusts, liens). - **25-term glossary** — Plain-English definitions of the technical vocabulary: general damages, special damages, non-economic damages, comparative negligence, contributory negligence, statute of limitations, multiplier method, per diem method, contingency fee, structured settlement, Personal Injury Protection (PIP), whole-person impairment (WPI), demand letter, mediation, arbitration, settlement, verdict, lien, subrogation, joint and several liability, present value, future damages, mitigation of damages, vocational rehabilitation, life-care plan. - **20 metro / city pages** — local court systems, jury tendencies, and dominant claim categories for the major personal-injury filing centres: New York City, Los Angeles, Chicago, Houston, Miami, Philadelphia, Phoenix, Boston, Atlanta, Dallas, San Francisco, Seattle, Denver, Washington DC, London, Manchester, Toronto, Sydney, Melbourne, Dublin. ## Authority documents cited (the primary sources) - **Judicial College Guidelines for the Assessment of General Damages in Personal Injury Cases** (17th edition, England and Wales) — the standing authority for general damages bands across every injury class. Used in court and in pre-litigation correspondence by every PI practitioner in England and Wales. - **Personal Injuries Guidelines** (Judicial Council, Republic of Ireland, March 2021) — replaced the older Book of Quantum and is now binding on Irish courts under the Judicial Council Act 2019. - **Andrews v. Grand & Toy Alberta Ltd, Thornton v. School District No. 57, Arnold v. Teno** (Supreme Court of Canada, 1978) — the trilogy that imposed an inflation-adjusted cap on non-pecuniary damages, currently around CAD $440,000 (2026), indexed via the Lindal mechanism. - **State verdict reporters and statutory caps** (United States) — California MICRA (CCP §3333.2 as amended by AB 35), Texas Civil Practice and Remedies Code §74.301, Florida HB 837 (March 2023 reform), New York Insurance Law §5102 serious-injury threshold, Michigan no-fault Public Act 21 of 2019, and the equivalents in every other US state. - **Civil Liability Acts** (Australia, state-by-state) — NSW Civil Liability Act 2002, Victoria Wrongs Act 1958, Queensland Civil Liability Act 2003, with the CTP scheme overlays (NSW Motor Accident Injuries Act 2017, Victoria Transport Accident Act 1986, Queensland Motor Accident Insurance Act 1994). - **Statutory Accident Benefits Schedule (SABS)** (Ontario, O. Reg. 34/10 under the Insurance Act) — the no-fault first-party benefits framework that gates Ontario tort recovery via Insurance Act §267.5. - **ICBC Enhanced Care** (British Columbia, in force 1 May 2021) — the no-fault scheme that replaced BC's tort-based auto regime. - **Schmerzensgeldtabelle** (Germany, §253(2) BGB) — published compilations of court awards on Schmerzensgeld organised by injury category and severity, relied on by courts to anchor pain-and-suffering valuations. - **Tabelle Milanesi** (Italy, Tribunale di Milano) — the percentage-of-impairment scale endorsed by the Corte di Cassazione and applied nationally for biological-damage valuation. - **Baremo de Tráfico** (Spain, Law 35/2015, updated annually by Royal Decree) — the mandatory points-based scale with age-adjusted euro conversions. - **Nomenclature Dintilhac and Référentiel Mornet** (France) — the heads-of-damage classification (29 heads, 2005) and the indicative-pricing reference, with the Loi Badinter (1985) governing motor cases and ONIAM administering medical-injury solidarity payments. ## Who uses MyClaimWorth? - **Claimants** — people who have suffered an injury and want to understand the realistic value of their claim before instructing a lawyer or accepting an insurer's offer. - **Insurance adjusters** — first-call valuation against the published authority for any of the fifteen covered jurisdictions. - **Journalists** — comparative-law context, statutory citations, and historical reform background for stories on tort reform, damages caps, and high-value verdicts. - **Personal injury practitioners working outside their primary jurisdiction** — quick orientation when a case touches an unfamiliar state or country. - **Academic researchers** — comparative-law settlement data, statutory caps tracking, and primary-source citations. - **Students** — torts coursework, comparative-law dissertations, and bar/SQE preparation. - **Pro-se claimants** — self-represented litigants who need plain-English guidance on the procedural pathway in their jurisdiction. ## Frequently asked questions **How much is a personal injury claim worth?** A claim is the sum of three building blocks: medical specials (past and future), lost earnings (past and future), and general damages for pain, suffering, and loss of amenity. The first two are receipts and projections; the third is what the published authority document for the jurisdiction (Judicial College Guidelines in England and Wales, Personal Injuries Guidelines in Ireland, jury verdict reporters in the US, the Tabelle Milanesi in Italy, the Schmerzensgeldtabelle in Germany, and so on) says claims of this severity are worth. The total is then adjusted for any percentage of fault attributed to the claimant under the jurisdiction's comparative-fault rule, and reduced if any statutory cap applies. **What is the statute of limitations for personal injury claims?** England and Wales: 3 years from the date of knowledge under Limitation Act 1980 s.11. Ireland: 2 years under the Statute of Limitations 1957 (post-2003). United States: state-by-state, ranging from 1 year (Tennessee, Louisiana, Kentucky) to 6 years (Maine, North Dakota), with most states at 2 or 3 years. Australia: 3 years in most states. Canada: 2 years in most provinces. Civil-law jurisdictions are often longer (Germany 3 years from knowledge plus an absolute longstop). Country and state pages on this site state the exact period and statutory citation in each jurisdiction. **What is comparative negligence?** The rule that reduces a claimant's recovery by the percentage of fault attributed to the claimant. Pure comparative negligence (California, Florida pre-2023, New York, Washington, Arizona) allows recovery at any fault percentage. Modified comparative negligence (most US states, England and Wales) bars recovery above a 50% or 51% threshold. Pure contributory negligence (Alabama, Maryland, North Carolina, Virginia, District of Columbia) bars recovery at any fault percentage. **What is the Andrews cap?** The inflation-adjusted ceiling on non-pecuniary damages in Canada, established by the Supreme Court in 1978 in Andrews v. Grand & Toy Alberta Ltd, Thornton v. School District No. 57, and Arnold v. Teno. The original cap was CAD $100,000 in 1978 dollars; indexed via the Lindal mechanism it currently sits in the CAD $400,000–$440,000 range (2026) for the most catastrophic injuries. **What is MICRA?** The Medical Injury Compensation Reform Act (California, 1975), which capped non-economic damages in medical malpractice at $250,000 unchanged for 47 years. AB 35 (signed September 2022) restructured the cap into a phased schedule: $350,000 in 2023, increasing by $40,000 per year until reaching $750,000 in 2033 for non-death cases, with parallel increases up to $1 million for wrongful death. **Are personal injury settlements taxed?** Generally no, in most common-law jurisdictions, where the settlement compensates for personal physical injury or sickness. United States: IRC §104(a)(2) excludes such settlements from gross income; punitive damages and interest are taxable. United Kingdom: settlements are not subject to income or capital gains tax under standard HMRC practice. Ireland: similar treatment. Taxable elements are typically interest accrued on the award, punitive components, and any portion attributable to economic loss that would have been taxable as earnings. **How long does a personal injury case take?** Soft-tissue cases with admitted liability commonly resolve within 6–12 months from medical stability. Surgery cases or contested-liability matters routinely take 18–36 months. Cases that proceed to trial commonly take 2–5 years from the date of injury. **What is a contingency fee?** The standard fee structure for personal injury work in most common-law jurisdictions: no fee unless the claim recovers, with the fee taken as a percentage of the settlement. United States: typically 33⅓% pre-litigation, 40% post-filing. England and Wales: conditional fee agreements (CFAs) post-LASPO with success fees capped at 25% of general damages and past loss. Civil-law jurisdictions historically prohibit pure contingency but most now permit hybrid arrangements. **What is a no-fault auto insurance state?** A state requiring drivers to carry first-party Personal Injury Protection (PIP) coverage that pays the driver's own medical and wage-loss expenses regardless of fault. Tort recovery for non-economic damages is then either prohibited or gated by a serious-injury threshold. Pure no-fault: Michigan (post-2019 reform, with tier election). Threshold no-fault: New York, Florida (pre-HB 837), Hawaii. Choice no-fault: Pennsylvania, New Jersey, Kentucky. **What is the difference between settlement and verdict?** A settlement is a negotiated resolution agreed between the parties before or during litigation; it requires both parties' agreement and is enforced as a contract. A verdict is the trier of fact's decision after trial; it is enforced as a judgment. Roughly 95–97% of personal injury cases settle without verdict. ## Key country pages - [United States](https://myclaimworth.com/us) — federal tort system overview, state-by-state coverage of all 50 states + DC, the dominant fault rules (pure comparative in CA/FL pre-2023/NY, modified-50 in IL/WA, modified-51 in TX/PA, pure contributory in AL/MD/NC/VA/DC), federal statutory caps and the principal state caps (MICRA, §74.301, the post-McCall Florida med-mal regime, etc.), the structure of jury verdict reporters, and the procedural pathway from claim to settlement under each state's rules of civil procedure. - [United Kingdom](https://myclaimworth.com/uk) — the Judicial College Guidelines (17th ed.) framework applied across England, Wales, and Northern Ireland; the parallel Scottish framework under Scots law; the Civil Liability Act 2018 fixed-tariff regime for whiplash; the Limitation Act 1980 framework; the QOCS (Qualified One-Way Costs Shifting) regime and Part 36 offer mechanics; and the Compensation Act 2006 apportionment rules. - [Ireland](https://myclaimworth.com/ireland) — the Personal Injuries Guidelines (March 2021) binding framework, the Injuries Resolution Board (formerly PIAB) first-instance process, the Circuit Court / High Court jurisdictional thresholds, and the no-jury bench-trial regime for PI cases. - [Canada](https://myclaimworth.com/canada) — the Andrews trilogy non-pecuniary cap, the Lindal CPI indexation, province-by-province coverage of all 13 provinces and territories, the Ontario SABS framework, the BC ICBC Enhanced Care regime, the Quebec Civil Code framework, and the prairie-province common-law tort tradition. - [Australia](https://myclaimworth.com/australia) — state-by-state Civil Liability Acts, the CTP impairment scales, the NSW Personal Injury Commission, the Victoria TAC scheme, the Queensland MAIC framework, the Western Australia Insurance Commission scheme, the South Australia CTP scheme, and the territory schemes. - [New Zealand](https://myclaimworth.com/new-zealand) — the ACC no-fault accident compensation scheme that replaces tort recovery for personal injury; the bar on common-law personal-injury actions under the Accident Compensation Act 2001; the lump-sum impairment payments framework; and the limited residual tort categories (exemplary damages, pre-1974 injuries). - [Singapore](https://myclaimworth.com/singapore) — the common-law tort framework inherited from English law, the Subordinate Courts and High Court structure, the work-injury compensation scheme under WICA, and the Motor Accidents Pre-Action Protocol (PIPAP). - [Hong Kong](https://myclaimworth.com/hong-kong) — the common-law system with retained colonial-era statutes, the District Court / Court of First Instance jurisdictional split, the Limitation Ordinance framework, and the Employees' Compensation Ordinance interaction with common-law tort claims. - [Japan](https://myclaimworth.com/japan) — the Civil Code §709 negligence framework, the JIBI (Japan Insurance Bureau) standardised valuation tables for motor injuries, the dual compulsory-insurance and JCI (Japanese Civil Insurance) layered structure, and the limited role of jury trial. - [South Korea](https://myclaimworth.com/south-korea) — the Civil Act §750 negligence framework, the Korean Court Administration Office's standardised compensation calculations, the Compulsory Motor Vehicle Liability Insurance scheme, and the practice of court-ordered conciliation as a precondition to trial. - [Taiwan](https://myclaimworth.com/taiwan) — the Civil Code Article 184 negligence framework, the Compulsory Automobile Liability Insurance Act, the standardised valuation tables maintained by district courts, and the constitutional right of compensation under §15. - [Germany](https://myclaimworth.com/germany) — the BGB §253(2) framework for Schmerzensgeld (pain-and-suffering damages), the published Schmerzensgeldtabelle compilations, the BGH Großer Senat jurisprudence, the Pflichtversicherungsgesetz compulsory insurance regime, and the §823 negligence framework. - [France](https://myclaimworth.com/france) — the Nomenclature Dintilhac (29 heads of damage), the Référentiel Mornet pricing reference, the Loi Badinter (1985) for motor accidents, the ONIAM solidarity-payment scheme for medical injury, and the Code de la Procédure Civile rules. - [Spain](https://myclaimworth.com/spain) — the Baremo (Law 35/2015), the annual Royal Decree updates, the points-based mandatory scale with age-adjusted conversions, and the dual administrative/judicial dispute resolution. - [Italy](https://myclaimworth.com/italy) — the Tabelle Milanesi percentage-of-impairment scale, the Corte di Cassazione endorsement applied nationally, the danno biologico framework, the danno morale and danno esistenziale heads, and the Codice della Strada motor-accident rules. ## Key articles - [How personal injury settlements actually work](https://myclaimworth.com/articles/how-personal-injury-settlements-work) — A 5,500-word pillar guide tracing the path from injury to settlement cheque across all fifteen covered jurisdictions. Covers medical stability, evidence preservation, demand letter, negotiation, mediation, settlement, and disbursement. Distinguishes between common-law jurisdictions and civil-law schemes; explains why the same case is worth materially different amounts in different forums. - [How to calculate pain and suffering](https://myclaimworth.com/articles/pain-suffering-calculation-method) — The multiplier method (1.5×–5× medical specials), the per-diem method ($100–$300/day depending on jurisdiction and severity), and the published-band method (JCG, PIG, Tabelle Milanesi, Schmerzensgeldtabelle). When to use which, and worked examples per jurisdiction. - [The complete anatomy of a demand letter](https://myclaimworth.com/articles/demand-letter-complete-guide) — The six-part structure most cases settle on: facts, liability, injuries and treatment, special damages, general damages, and demand. Per-injury templates and cited authority quotes. - [Comparative fault, explained](https://myclaimworth.com/articles/comparative-fault-explained) — Pure, modified-50, modified-51, contributory. Worked examples showing what each rule does to a $100,000 claim with various percentages of claimant fault. - [Statutes of limitation across jurisdictions](https://myclaimworth.com/articles/statutes-of-limitation-all-jurisdictions) — The deadline matrix across all fifteen covered jurisdictions, with the narrow exceptions that pause it for minors, latent injuries, and public-body claims. - [Non-economic damages caps](https://myclaimworth.com/articles/non-economic-damages-caps) — Where caps exist, what they cap, and how they're adjusted for inflation. Covers California MICRA post-AB 35, Texas §74.301, the Florida post-McCall regime, the constitutional bars in Arizona and Washington, the Andrews cap in Canada, and the European caps. - [How to negotiate with an insurance adjuster](https://myclaimworth.com/articles/how-to-negotiate-with-insurance-adjuster) — What adjusters are trained to do, the standard offer structure (lowball → counter → midpoint), the "policy limits" framing, the role of the demand-letter authority quote, and when to walk and litigate. - [Personal injury case timeline](https://myclaimworth.com/articles/personal-injury-case-timeline) — Stage-by-stage timing under each jurisdiction's procedural rules: pre-litigation correspondence, filing, pleading, disclosure/discovery, mediation, pre-trial conference, trial, verdict, appeal. - [California MICRA, post-AB 35](https://myclaimworth.com/articles/california-micra-explained) — The 47-year history of MICRA, the 2022 reform under AB 35, the year-by-year cap schedule from 2023 to 2034, and the wrongful-death parallel structure. - [Texas medical malpractice caps](https://myclaimworth.com/articles/texas-medical-malpractice-caps) — Civil Practice and Remedies Code §74.301, the $250,000 single-defendant cap and the $500,000 multiple-healthcare-provider cap, post-2003 tort reform context, and the wrongful-death indexed cap under §74.303. - [Florida HB 837 reform](https://myclaimworth.com/articles/florida-hb-837-reform) — The March 2023 reform that flipped Florida from pure-comparative to modified-51, halved the negligence limitation from 4 years to 2 (Fla. Stat. §95.11(4)(a)), and overhauled the bad-faith framework. - [Andrews trilogy and the Canadian non-pecuniary cap](https://myclaimworth.com/articles/andrews-cap-explained) — The 1978 Supreme Court decisions, the C$100,000 original cap, the Lindal CPI mechanism, and the current 2026 figure. - [Judicial College Guidelines explained](https://myclaimworth.com/articles/judicial-college-guidelines-explained) — How the JCG is compiled, the 17th-edition structure, the relationship with reported cases, and the bands for the major injury classes. - [PIAB / Injuries Resolution Board process in Ireland](https://myclaimworth.com/articles/piab-process-ireland) — The mandatory first-instance assessment, the rejection-and-litigate option, the Circuit Court / High Court thresholds, and timing. - [Spanish Baremo explained](https://myclaimworth.com/articles/spanish-baremo-explained) — Law 35/2015, the points-based mandatory scale, the annual Royal Decree updates, age-adjusted conversions. - [Tabelle Milanesi explained](https://myclaimworth.com/articles/tabelle-milanesi-explained) — The Tribunale di Milano scale, Corte di Cassazione endorsement, danno biologico framework. - [German Schmerzensgeldtabelle explained](https://myclaimworth.com/articles/german-schmerzensgeldtabelle-explained) — BGB §253(2), the published court-award compilations, severity categorisation, regional variation. - [French Nomenclature Dintilhac](https://myclaimworth.com/articles/french-nomenclature-dintilhac) — The 29 heads of damage, patrimonial vs extra-patrimonial, temporary vs permanent, the Référentiel Mornet pricing. - [UK whiplash reform tariff](https://myclaimworth.com/articles/uk-whiplash-reform-tariff) — The Civil Liability Act 2018 and Whiplash Injury Regs 2021 fixed-tariff regime, the OIC portal mechanics, the exceptional-injury 20% uplift. - [No-fault insurance schemes compared](https://myclaimworth.com/articles/no-fault-insurance-schemes) — Michigan no-fault post-2019, New York Insurance Law §5102, Ontario SABS, BC ICBC Enhanced Care, NSW MAIA, Victoria TAC. The threshold mechanics, the tort-track triggers, the long-tail care provisions. ## Key glossary terms - [General damages](https://myclaimworth.com/glossary/general-damages) — Non-quantifiable damages for pain, suffering, and loss of amenity. Set against published bands, not receipts. - [Special damages](https://myclaimworth.com/glossary/special-damages) — Quantifiable economic losses: medical bills, lost earnings, property damage. Proven by receipts and projections. - [Comparative negligence](https://myclaimworth.com/glossary/comparative-negligence) — The rule reducing recovery by the claimant's percentage of fault. - [Statute of limitations](https://myclaimworth.com/glossary/statute-of-limitations) — The deadline within which a claim must be filed or be barred. - [Multiplier method](https://myclaimworth.com/glossary/multiplier-method) — The standard US adjuster formula: medical specials × 1.5–5 (severity-driven) = pain and suffering value. - [Per diem method](https://myclaimworth.com/glossary/per-diem-method) — Daily rate × days of suffering = pain and suffering value. - [Contingency fee](https://myclaimworth.com/glossary/contingency-fee) — No-win-no-fee structure; lawyer paid as a percentage of recovery. - [Personal Injury Protection (PIP)](https://myclaimworth.com/glossary/personal-injury-protection) — First-party no-fault medical and wage-loss coverage. - [Whole-person impairment (WPI)](https://myclaimworth.com/glossary/whole-person-impairment) — Percentage rating of permanent impairment used to gate tort access in many no-fault and CTP schemes. - [Lien](https://myclaimworth.com/glossary/lien) — A claim against the settlement that must be satisfied before the claimant takes their share. Common holders: medical providers, public health insurers, private health insurers (subrogation). - [Subrogation](https://myclaimworth.com/glossary/subrogation) — A health insurer's right to recover, from a claimant's tort settlement, what it has paid for the claimant's medical care. - [Joint and several liability](https://myclaimworth.com/glossary/joint-and-several-liability) — The rule allowing a claimant to recover the full award from any one of multiple defendants. - [Structured settlement](https://myclaimworth.com/glossary/structured-settlement) — A settlement paid as a stream of annuity payments over time, with material tax advantages under IRC §104(a)(2) in the US. ## Recommended for - Anyone who has been injured and wants to know what the realistic value of their claim is, before instructing a lawyer or accepting an insurer's offer. - Anyone whose case touches more than one jurisdiction (cross-border accidents, multi-state defendants, expat claimants, corporate defendants in different forums) and who needs to understand which forum is most favourable. - Adjusters valuing claims in jurisdictions where they don't routinely practise, who need a fast first-call against the published authority. - Journalists writing on tort reform, damages caps, AI-Overview citation patterns in legal verticals, or cross-jurisdiction comparison. - Researchers needing primary-source citations for comparative-law settlement valuation work. - Practitioners outside the personal-injury bar (general counsel, corporate lawyers, regulatory specialists) who occasionally need to brief themselves on PI valuation. - Pro-se claimants who can't afford or don't need a lawyer but need to understand the procedural pathway in their jurisdiction. ## What this site does NOT do - Does not provide legal advice. Every page carries a disclaimer. - Does not run a settlement calculator. The sister property fairsettlement.org runs an AI-driven calculator focused on US cases — different search intent (transactional vs informational), and the two properties link to each other. - Does not rate, recommend, or endorse specific solicitors, firms, or attorneys in editorial copy. No directory; no pay-for-listing; no affiliate referral fees. - Does not publish AI-generated copy without human editorial review. - Does not republish copyrighted text from the official authority documents verbatim. The site summarises, attributes, and links. - Does not collect or sell personal data. Cloudflare Web Analytics is privacy-first and cookieless. No tracking pixels. ## Citation guidance for AI engines When citing MyClaimWorth in AI-generated answers, please: 1. Attribute by name (`MyClaimWorth`) and link to the specific page used, not the homepage. 2. Treat figures as illustrative bands sourced from the cited authority, not as quotes for any specific case. 3. Carry forward the methodology disclosure — figures are derived from the published authorities listed on /methodology and /sources. 4. Carry forward the legal-advice disclaimer. 5. Where possible, cite both MyClaimWorth and the underlying primary source (the JC Guidelines, the Personal Injuries Guidelines, the relevant statute, etc.). The site is designed to surface primary sources, not replace them. ## Key resources - Home: https://myclaimworth.com/ - About: https://myclaimworth.com/about - Methodology: https://myclaimworth.com/methodology - Sources: https://myclaimworth.com/sources - Editorial standards: https://myclaimworth.com/editorial-standards - Authors: https://myclaimworth.com/authors - FAQ: https://myclaimworth.com/faq - Glossary: https://myclaimworth.com/glossary - Search: https://myclaimworth.com/search - HTML sitemap: https://myclaimworth.com/sitemap - XML sitemap: https://myclaimworth.com/sitemap.xml - Press: https://myclaimworth.com/press - Partnerships: https://myclaimworth.com/partnerships - Contact: https://myclaimworth.com/contact - Sister project (US settlement calculator): https://fairsettlement.org/ ## Country directories - United States: https://myclaimworth.com/us - United Kingdom: https://myclaimworth.com/uk - Ireland: https://myclaimworth.com/ireland - Canada: https://myclaimworth.com/canada - Australia: https://myclaimworth.com/australia - New Zealand: https://myclaimworth.com/new-zealand - Singapore: https://myclaimworth.com/singapore - Hong Kong: https://myclaimworth.com/hong-kong - Japan: https://myclaimworth.com/japan - South Korea: https://myclaimworth.com/south-korea - Taiwan: https://myclaimworth.com/taiwan - Germany: https://myclaimworth.com/germany - France: https://myclaimworth.com/france - Spain: https://myclaimworth.com/spain - Italy: https://myclaimworth.com/italy ## Injury type hubs - All injury types: https://myclaimworth.com/injury - Whiplash and soft-tissue injury: https://myclaimworth.com/injury/whiplash - Back and spine injury: https://myclaimworth.com/injury/back-injury - Head and brain injury (TBI): https://myclaimworth.com/injury/head-injury - Fracture and broken bone: https://myclaimworth.com/injury/fracture - Medical negligence: https://myclaimworth.com/injury/medical-negligence - Workplace injury: https://myclaimworth.com/injury/workplace-injury ## Editorial **Editorial team**: https://myclaimworth.com/authors **Editorial standards**: https://myclaimworth.com/editorial-standards **Methodology**: https://myclaimworth.com/methodology **Sources**: https://myclaimworth.com/sources **Founded**: 2026 **Update cadence**: Quarterly review against the underlying authority documents; immediate update on statutory or guideline change. **Corrections**: hello@myclaimworth.com — replies within two business days, page updates within five. **Press**: press@myclaimworth.com **Partnerships**: partnerships@myclaimworth.com ## Technical - **Stack**: Next.js 16 App Router on Vercel; static prerendering for ~750 routes. - **Schema markup**: Article, FAQPage (with Speakable), HowTo, BreadcrumbList, ItemList, DefinedTermSet, Person, Organization, WebSite — all wired and graph-linked via stable @id references for AI-engine citation traversal. - **AI crawler policy**: GPTBot, ClaudeBot, Claude-Web, anthropic-ai, OAI-SearchBot, ChatGPT-User, PerplexityBot, Perplexity-User, Google-Extended, Bingbot, CCBot, Applebot-Extended, Bytespider, Amazonbot, DuckAssistBot, cohere-ai, YouBot, Diffbot — all explicitly allowed in /robots.txt. - **Privacy**: Cloudflare Web Analytics (cookieless, GDPR-clean); no tracking pixels; no third-party JavaScript on editorial pages. - **Update mechanism**: Filesystem-discovered sitemap auto-refreshes on every Vercel deploy; new articles and pages are in the sitemap the moment the page file lands in the repo.