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My wife got three front teeth knock out in auto accident the insurance wants to settle but we would like know how do they determine what are worth?

Several factors are considered. There is no hard and fast rule, but here are some of the factors that are typically considered:

1). The nature of the injury: This includes things like the severity of the damage, the type of teeth affected, the length of time the person can be expected to live without the teeth, the expected long term effects of the damage, the person’s oral hygiene, and whether the damage is partial or complete.

2). The cost of treatment: This includes things like the cost of dental implants or bridges, and any additional medical procedures.

3). The person’s age: Younger people tend to get more compensation for dental injuries since they have a longer life expectancy.

4). The person’s occupation: People who have jobs that require them to speak or smile frequently may be able to get more compensation.

5). The person’s pain and suffering: This includes both the physical pain and emotional distress that the person has experienced as a result of their injury.

6). The person’s loss of earning capacity: This includes any loss of income that the person has experienced, or is likely to experience, as a result of their injury.

7). The cost of future dental care: Ongoing maintenance is expected once the teeth have been replaced. Regular cleanings, exams and possible future repairs of the replacements may need to be factored into the settlement.

8). The person’s overall health: This can include things like whether or not the person has any pre-existing medical conditions that could affect their ability to recover from their injury.