Insurance 101 – Chapter 14 – Volume 10 – Damages


Damages are categorized differently in personal injury and wrongful death cases. Damages are usually categorized as actual damages, which can include special and general damages, or as exemplary and punitive damages. When evaluating claims the most common division is between special and general damages. Special damages are those that are subject to reasonably specific calculations. General damages are those that cannot be easily calculated and that are subjective. The adjuster must at some point make a realistic estimate of the special and general damages incurred by the plaintiff.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.


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