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★ United States · fracture

Fracture claim values
in United States.

By Reviewed by Abd Shanti, Founder9 min read

Broken bones: wrist, leg, rib, pelvis, and others. Bands on this page show typical settlement values for fracture cases across the relevant severity tiers; each names its source or is marked as a MyClaimWorth estimate. The position within a band depends on facts the page can't see: severity, prognosis, recovery time, the strength of medical evidence, and any percentage of fault attributed to the claimant under United States's comparative-fault rule.

★ typical band · US
$15,000 to $80,000
Wrist or arm fracture
★ statute of limitations
Varies by state, most commonly 2 or 3 years

State codes

Range: Florida and Texas at 2 years (Tex. Civ. Prac. & Rem. Code § 16.003); New York at 3 years (CPLR § 214); Maine at 6 years (14 M.R.S. § 752, the longest in the US). Statutes of repose layer on top in product-liability and construction-defect cases. Federal Tort Claims Act has its own two-year administrative limitation.

★ fault allocation
Varies by state

Pure contributory negligence (1% bars recovery) in Alabama, Maryland, North Carolina, Virginia, and DC. Pure comparative in 11 states including California, New York, and Washington. Modified comparative with a 50% bar in 10 states. Modified comparative with a 51% bar in 25 states, including Florida since March 2023 and Louisiana since January 1, 2026.

★ caps that bear on this injury

What caps recovery.

Statutory caps and ceilings that apply to fracture damages in United States.

★ US · procedural pathway

From injury to settlement.

The steps a fracture claim moves through under United States law, from medical stability to settlement.

  1. 1
    Reach medical stability and assemble documentation

    Medical records, imaging, expert reports, payslips for lost wages, and receipts for out-of-pocket costs. Documentation gaps drive under-valued settlements.

  2. 2
    Identify the controlling state law

    For an interstate accident, the conflict-of-laws analysis matters. Most states apply lex loci delicti, but a few apply most-significant-relationship analysis under Restatement (Second).

  3. 3
    Compute special damages

    Past and future medical expenses, lost wages, loss of earning capacity, property damage, and reasonable out-of-pocket costs. Future expenses require expert testimony.

  4. 4
    Anchor non-economic damages

    Compare to verdict reporter aggregates in the state. The multiplier method (1.5×, 5× medical specials) is a starting point used by adjusters; courts do not impose it.

  5. 5
    Apply the comparative-fault rule

    Pure comparative reduces by the claimant's percentage; modified-50/51 cuts off above the threshold; contributory bars at 1%.

  6. 6
    Apply statutory caps

    Medical-malpractice caps in CA, TX, OH and others bite on non-economic damages; punitive-damages caps and the State Farm constitutional ceiling apply on punitives.

  7. 7
    Demand letter, mediation, then suit

    Most states allow direct demand against the insurer. Many states require pre-suit mediation in medical-malpractice cases. Suit is the last resort and is rare, over 95% of cases settle.

★ fracture · reported decisions

What courts have awarded for fracture.

Fracture decisions from 51 US jurisdictions we have researched, each linked to the judgment and to the local guide.

★ fracture · local rules

How the rules differ by place.

A rule that shapes fracture claims in each place, with its source.

AlabamaExpert proof in care casesClaims against medical providers, including nursing facilities, generally require expert testimony on the standard of care, its breach and causation, unless the lack of skill is obvious to a layperson.Callens v. Episcopal Foundation (Ala. 2025)
CaliforniaExpert standardsA trial court may limit cross examination of a defense expert on industry standards the expert did not rely on; such rulings are reviewed for prejudice.Paige v. Safeway (Cal. Ct. App. 2022)
District of ColumbiaExpert on roadworkAn expert who judged the backfill work from photographs could support the verdict; weaknesses went to weight, not admissibility.Sullivan v. AboveNet (D.C. 2015)
IdahoExpert on causeWhen the cause of an injury is beyond ordinary experience, “only an expert can competently give opinion evidence” on it.Holdaway v. Broulim’s Supermarket (Idaho 2015)
KentuckyObvious hazardsAll open and obvious hazard cases, including natural outdoor hazards like ice, are decided under comparative fault rather than barred outright.Carter v. Bullitt Host (Ky. 2015)
MassachusettsOpen and obvious defenseA change the tenant had no reason to expect, in the dark, is not open and obvious as a matter of law; the jury may find a duty to warn.Varley v. Walther (Mass. App. Ct. 2025)
MissouriAssumption of riskImplied secondary assumption of risk no longer bars a claim; the plaintiff’s conduct goes to comparative fault.Payne v. Fiesta Corp. (Mo. Ct. App. 2018), quoting Coomer
New HampshireGym releasesA liability release in a membership agreement can bar a negligence claim for an injury at the gym.Ladue v. Pla-Fit Health (N.H. 2020)
North DakotaParent’s claim for medical billsA parent’s claim for a child’s medical expenses derives from the child’s claim, so it fails if the child is barred by comparative fault.Moore v. Fargo Public School District (N.D. 2012)
PennsylvaniaCausationA jury may find a defendant negligent in some respect yet find it was not a factual cause of the injury, and award nothing.Derbyshire v. Frankford Hospital (Pa. Super. 2024)
TennesseeCap on pain and suffering$750,000 per injured person. In a 2020 fall case the jury awarded $2,600,000 in noneconomic damages and the court cut it to $750,000.Tenn. Code Ann. § 29-39-102; Wortham v. Kroger (Tenn. Ct. App. 2020)
VirginiaOpen and obvious hazardsWhen you are hurt by an open and obvious danger, you must show conditions outside yourself that prevented you from seeing it or excuse the failure; the distraction must be “unexpected and substantial.”Fultz v. Delhaize America (Va. 2009)
★ fracture bands · all 15 jurisdictions

Compare to other countries.

How this injury values across the other jurisdictions on the site. Click any country to read the deeper context.

JurisdictionBand
United States· you are here$15,000 to $80,000MyClaimWorth estimate
United Kingdom£9,110 to £14,080MyClaimWorth estimate
Ireland€50,000 to €100,000Personal Injuries Guidelines: other arm injuries, severe
CanadaC$20,000 to C$100,000MyClaimWorth estimate
AustraliaAU$15,000 to AU$80,000MyClaimWorth estimate
Spain€10,000 to €25,000MyClaimWorth estimate
Italy€15,000 to €35,000MyClaimWorth estimate
Germany€10,000 to €30,000MyClaimWorth estimate
France€10,000 to €25,000MyClaimWorth estimate
New ZealandACC treatment cost and weekly compensationLump-sum independence allowance applies only above the statutory impairment threshold.
SingaporeS$25,000 to S$80,000MyClaimWorth estimate
Hong KongHK$150,000 to HK$500,000MyClaimWorth estimate
Japan¥2,500,000 to ¥4,000,000MyClaimWorth estimate
South Korea₩20,000,000 to ₩70,000,000MyClaimWorth estimate
TaiwanNT$300,000 to NT$1,200,000MyClaimWorth estimate
★ US · fracture · frequently asked

Common questions.

Each answer stands on its own and draws on the documents named on this page.

★ editorial note

Numbers on this page are starting points, not quotes for any specific case. For representation, consult a solicitor or attorney qualified in United States. See /methodology for how each band is derived, /sources for the standing authority list, and /disclaimer for the scope statement.