Calculating Knee Injury Settlement Amounts: A Complete Guide

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Knee injury lawsuit loans

If you’ve suffered a knee injury, the physical pain is just the tip of the iceberg. You’re probably feeling swamped with worries about money that can make your days feel like a rollercoaster. Perhaps you have financial questions, such as: How will this injury affect my quality of life? What kind of medical treatments will I need? And, of course, what financial settlement can you reasonably expect to help manage the unforeseen expenses from a knee injury?

Let’s shed light on these questions and offer you a better understanding of what your potential knee injury settlement could be.

What Determines the Value of a Knee Injury Settlement?

Severity of the Injury

First up, the severity of your knee injury is a major factor in how much you could potentially receive in a settlement. Injuries can range from minor sprains to severe conditions like torn ligaments or full knee replacements. Each comes with its own set of financial burdens, from medical bills to ongoing treatment plans. Knowing the extent of your injury helps set realistic expectations for your settlement.

For instance, if you’ve suffered a severe knee injury that required surgery and extensive physical therapy, your settlement could be large. In such cases, settlements can often exceed $100,000, depending on other factors.

On the other hand, if you’ve experienced a soft tissue injury like a sprain or minor ligament tear, the settlement amount is generally lower. These types of injuries usually heal with time and may not require surgical intervention. Settlements for softer injuries often range between $10,000 and $30,000, depending on the extent of the injury and medical costs.

Medical Expenses

Medical expenses are often the most immediate and tangible costs you’ll face. From the initial emergency medical services visit to the weeks, maybe months, of physical therapy due to knee surgery, these costs can skyrocket in no time. If your knee injury leads to chronic issues like arthritis or limited mobility, those future medical bills should also be considered in your settlement.

Lost Wages and Future Earnings

If you’re unable to work because of your knee injury, the financial strain doesn’t stop at medical debt. You’re also missing out on your regular income. Moreover, if the injury affects your ability to earn in the future, this will also influence your settlement amount.

For example, if you’re a construction worker and your knee injury limits your mobility, that’s a different ballgame. You might potentially be facing a diminished earning capacity in the future. And that’s definitely worth considering in your potential settlement.

Pain and Suffering

Don’t overlook the less visible yet equally impactful aspects of your injury—emotional and psychological distress. Unlike a medical bill, you can’t easily assign a dollar value to the quality of life you’ve lost, however temporarily. Pain and suffering are indeed another factor that can bump up your compensation amount.

Property Damage

If your knee injury was the result of an accident that also caused property damage, such as a car accident, this should be included in your settlement calculations. The cost of repairs or replacements do add up and should not be ignored. 


Liability, or who is at fault for the accident, plays a key role in determining your settlement amount. Here are some common liability laws that can influence your final payout:

  1. Contributory Negligence. In a few states, if you’re found to be even 1% at fault, you may be barred from recovering any damages. This is a very strict form of liability.
  2. Pure Comparative Negligence. In these jurisdictions, your damage award is reduced by your percentage of fault, no matter how high that percentage is. Let’s say you’re 90% at fault; you could technically still recover 10% of your damages.
  3. Modified Comparative Negligence. Here, you can only recover damages if you’re less than 50% or 51% at fault, depending on the state. Your damages are reduced by your percentage of fault.
  4. Joint and Several Liability. In some cases, multiple parties may be held accountable for your injuries. You could potentially recover all of your damages from one party, even if he or she is only partially at fault.
  5. Vicarious Liability. Sometimes, an entity or person can be held responsible for someone else’s actions. For example, an employer might be liable for an employee’s negligence.
  6. Strict Liability. In some cases, like product liability claims, the defendant might be held responsible regardless of negligence or intent.
  7. No-Fault Laws. In some jurisdictions, particularly for auto accidents, each party’s own insurance covers their damages, regardless of who was at fault. However, severe injuries may allow you to step outside of this system and file a lawsuit.

Common Knee Injuries and Their Causes

Knee injuries are more common than you might think. According to a study published by the Society for Academic Emergency Medicine, an estimated 6,664,324 knee injuries were presented to U.S. emergency departments from 1999 through 2008. Some of the most common knee injuries include:

Interestingly, car crashes often lead to injuries such as broken kneecaps or complicated knee joint fractures. In slip-and-fall incidents, tears are common, particularly if your knee twists during the fall. Work-related accidents like falling off a ladder can result in torn ligaments. Even a minor bump against a hard surface can leave you with bruises and contusions.

It’s worth noting that some accident victims may not immediately realize they’ve sustained a knee injury. The adrenaline rush and initial shock can mask the pain, leading to delayed diagnosis and treatment. Being aware of these common types of injuries can help you be more proactive in seeking medical care and, consequently, in building a stronger case for your legal settlement.

Boosting Your Knee Injury Settlement: A Game Plan

  1. Choose the Right Legal Expert. Partner with an experienced personal injury lawyer who specializes in knee injury cases. Why? Because expert guidance can make or break your settlement. Imagine walking into a courtroom without an attorney—it’s a risk you don’t want to take.
  2. Document Everything. Keeping your records is non-negotiable. These documents validate your knee injury claim by providing concrete evidence of your expenses and experiences. Be sure to include medical bills, treatment plans, and even your travel expenses to medical appointments.
  3. Understand the Long-Term Impact. Pause for a moment and consider the future. Will your knee injury lead to chronic pain or ongoing treatments? Could it affect your job performance? These long-term consequences should be part of your claim. Don’t sell yourself short by overlooking them.
  4. Build a Strong Case. Now, it’s time to gather compelling evidence. This goes beyond just proving you’re injured. Your goal is to show that someone else’s negligence caused your suffering. Whether it’s photos of the accident scene, eyewitness accounts, or security footage, each piece adds credibility to your case.
  5. File Your Injury Claim Promptly. Delays can weaken your case and may even exceed the statute of limitations, which is the legal time frame you have to file a claim. The sooner you file it, the stronger it will be.
  6. Take Your Time. Here’s a pro tip: don’t rush into accepting the first offer from insurance companies. These initial offers are often lowballs to close the case quickly. Consult your personal injury attorney and weigh your options. Remember, patience often leads to a more favorable settlement.
  7. Leverage Expert Testimonies. Consult with a medical professional who can attest to the severity of your knee injury and its long-term implications. Accident reconstruction experts can also provide insights into how the incident occurred.

The Takeaway

Suffering from a knee injury is often a difficult and painful experience, but having to deal with a lawsuit on top of it can make matters worse. The worry of the unknown, the strain of medical expenses mounting, and the fear of how it will affect your future can make you obsess over how much your settlement is actually worth. It’s precisely because of these pressing concerns that understanding the factors influencing your settlement becomes so vital.

However, what about the current financial strain you’re under as you wait for that settlement? How do you keep your life on track? Pre-settlement funding from Baker Street Funding can provide you with the financial breathing room you need at this exact time, with rates starting at just 2.95% non-compounding per month, capped in 3 years.

Ready to take control of your financial situation while your personal injury lawsuit settlement is in the works? The choice is yours, but remember, the sooner you act, the sooner you can focus solely on your knee injury recovery. Apply for 24-hour lawsuit funding today.


What is the Average Settlement for a Torn Meniscus?

Settlement amounts for a torn meniscus can vary greatly. On average, you might see figures between $20,000 and $50,000.

What is the Average Payout for a Personal Injury Claim?

Injury claims can also vary significantly, with average payouts ranging from $15,000 to $75,000. Factors that can affect this include:

  • Type of injury
  • Extent of medical treatment required
  • Future medical care needs
  • Loss of earnings and future earning capacity

It’s not just advisable but extremely important that you consult with an attorney for an estimate of your case. Why? Because an experienced attorney can expertly manage the details of your case to maximize your potential payout. The right legal advice can make the difference between a settlement that barely covers your medical bills and one that takes into account your long-term needs.

How Do You Prove a Knee Injury?

To substantiate a knee injury, you’ll need solid evidence. This usually includes:

  • Medical records
  • X-rays and MRIs
  • Testimonies from medical experts

These elements together provide strong evidence of both your injury and its impact on your life.

At Baker Street Funding, we give you the inside scoop on pre-settlement funding by covering a variety of ... financing and legal topics to help you made the best financial decision for you and for your case. Our experts break down complex ideas in a way that's easy to understand so you can stay informed on current trends as well as tips and fact checked information by the CEO and founder, Daniel Digiaimo. Furthermore, Despite its name, consumer legal funding is not a loan. If you don't win your case, no payment needs to be made back. To avoid confusion and simplify matters on, we'll use the word "loan" throughout this article.

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