A rotator cuff injury can flip your life upside down. Our accident attorneys see a lot of rotator cuff injuries in severe traffic collision cases. If you have a rotator cuff injury because someone else was not paying attention, you are entitled to seek compensation via settlement payout or verdict.
If you want to know the settlement amounts for a rotator cuff injury, you have the right question. You deserve to be fully compensated for the harm you have suffered. This page is mainly dedicated to helping you better understand the trial and settlement value of your rotator cuff tear injury claim.
Our Maryland personal injury lawyers have settled or taken to trial scores of rotator cuff accident lawsuits. So our attorneys are well-versed in the science of these cases and what you can expect in a settlement payout.
Severity of Rotator Cuff Tear Drives Settlement Amount
But let’s first talk about the injury itself because the severity and scope of rotator cuff injuries drive settlement amounts. Your rotator cuff is the muscles and tendons in your shoulder. Trauma readily causes damage to these muscles or tendons.
Typical causes of a rotator cuff injury may include falling, lifting, and repetitive arm activities — especially those done overhead, such as throwing a baseball or placing items on overhead shelves.
Every part of our body is vulnerable in a car or truck accident. But the shoulder is particularly at risk because the balls of our upper arms are more significant than the shoulder socket that holds the ball. This is why we see so many rotator cuff injuries (and bicep tear injuries by a similar mechanism) in car accidents.
The rotator cuff is essentially a cuff of tissue. It is firm, gristly tissue that covers and attaches to the ball and socket of the shoulder joint. It consists of a group of muscles, tendons, and ligaments. This controls the shoulder’s mobility and stabilizes the ball of the shoulder within the shoulder joint. The rotator cuff is made up of four muscles and tendons. These combined to form a “cuff” over the upper end of the arm.
The four muscles comprise the rotator cuff – the supraspinatus, infraspinatus, subscapularis, and teres minor. They originate from the scapula and form a single tendon unit.
The rotator cuff is attached to the shoulder blade and then inserted into the upper part of the humerus. The function of the rotator cuff is to hold the shoulder joint together and hold the ball of the humerus snug in the socket while large muscles move the arm around in space.
The supraspinatus tendon is the tendon that is most commonly torn when people suffer a rotator cuff tear. As defense lawyers are quick to point out, rotator cuff tendons, like many of our other joints and tendons, tend to degenerate as we age.
One of the challenges with rotator cuff injuries is there is not a good flow of blood to this area of the body to heal the injury. Surgery is sometimes the only solution because this allows for a new blood supply along with reattaching the rotator cuff.
So surgery is often successful, but there are no guarantees. From a legal perspective, as we discuss below, the average compensation for a shoulder injury requiring surgery is much higher than one that does not have surgery. Similarly, arthroscopic shoulder surgery settlements are less than open procedures.
Other Factors That Drive Auto Accident Shoulder Injury Settlement Amounts
Besides the severity of the injury, these are additional variables in calculating rotator cuff settlement amounts in car accidents:
- Medical expenses: The total cost of medical treatment, including surgeries, physical therapy, medication, and rehabilitation, will be considered when determining the settlement amount. These costs, along with lost wages, serve as an anchor for insurance adjusters and juries in calculating settlement amounts. Higher medical expenses can result in a larger settlement to compensate for the financial burden incurred by the victim, assuming the insurance company or jury believes they were necessary and related to the car accident.
- Lost wages and future earning capacity: If the shoulder injury prevents the victim from working or significantly impacts their ability to earn a living in the future, the settlement may account for lost wages and potential loss of future earning capacity. Victims who have physical jobs may see higher settlement payouts because they can claim future lost wage.
- Pain and suffering: This really is a subcategory of the severity of the injury. The physical pain, emotional distress, and suffering endured by the victim due to the shoulder injury will be factored into the settlement amount. This includes the impact on the victim’s daily activities, hobbies, and quality of life. Again, rotator cuff injuries with surgery are generally valued higher than the same injury without surgery.
- Insurance coverage and policy limits: This is the most important variable in some cases where there is insufficient insurance coverage. The at-fault party’s insurance coverage and policy limits can impact the maximum amount that can be obtained in a settlement. If the at-fault party’s coverage is limited, it may affect the settlement amount available to the victim.
Rotator Cuff Settlement and Verdict Statistics
Let’s take a deeper look at the factor that drive higher payouts. Because, as you will see, the value of rotator cuff injury claims varies wildly. Five variables drive the value of these claims:
- The diagnostic severity of the injury
- The age of the victim (values much higher for victims under age 30)
- Prior medical history
- A complete or partial tear
- Whether the victim had surgery
Again, the most important of these variables is the severity of the injury. Rotator cuff cases with surgery are generally more valuable than those without a surgical procedure (such as a PRP). Most orthopedic surgeons use arthroscopic repair today. If the surgery is an open procedure, that will lead to a higher average settlement value. Reverse shoulder replacement cases, in particular also often have a greater value.
The more difficult rotator cuff cases are where the client has a preexisting injury. In these cases, the challenge is that the films show a degenerative shoulder injury instead of acute trauma. Good lawyers in Maryland (particularly in Baltimore) can still win many of these lawsuits. But they are more of a challenge.
One way to harm a good injury case is not following your treatment plan. Studies show that the physical therapy you get after surgery strongly correlates with a good outcome. If you do not follow your therapy plan, the insurance company will hit your accident lawyer over the head with that fact during settlement negotiations.
The statistical data on rotator cuff verdicts and settlements vary wildly.
- $70,000 average verdict nationally
- $140,000 median settlement/verdict in Washington D.C.
- $30,000 median settlement/verdict in Virginia
- $50,000 median settlement/verdict in Maryland
If untreated by surgery, a rotator cuff tear will not heal in the sense that the tear will eventually mend itself. A rotator cuff tear will remain a tear for the remainder of the individual’s life unless surgical action is taken. That said, the average shoulder injury settlement without surgery will be less than a surgery case.
If you are an injury lawyer working on a settlement or getting ready for trial, you want to remember to point out to the insurance company or jury that one of the real harms and losses is the surgery itself. It is painful, and it comes with risks.
The risks associated with rotator cuff surgery include infection and death. There is also a risk of nerve or vessel injury, inability to repair the injury, continued pain, and arthritis. There is also no guarantee of function or abilities after surgery. This is a part of the claim that often gets overlooked—the pain and suffering from the fear that your loss of function is permanent.
Rotator Cuff Settlement Amounts and Jury Payouts
Calculating settlement amounts for rotator cuff injuries is complex and influenced by several key factors. But the most critical is the one we talked about above: the availability of adequate insurance coverage. Without sufficient funds—whether it’s from the defendant’s insurance policy or the victim’s own uninsured/underinsured motorist coverage—securing fair compensation becomes nearly impossible. Insurance limits set the ceiling for how much a victim can potentially recover. So even a strong lawsuit will not yield a high settlement if there simply is not enough insurance to cover the full settlement.
Beyond insurance coverage, the severity of the injury plays a central role in determining settlement payouts in rotator cuff lawsuits. Cases involving rotator cuff tears that require surgery, rehabilitation, and extended recovery periods generally will naturally lead to higher settlements due to the increased medical expenses, lost wages, and pain and suffering. Other contributing factors include the age (younger is better) and health of the victim, the impact on their ability to work or engage in daily activities, and the presence of permanent limitations or disability.
Example Rotator Cuff Settlements and Verdicts
Here are a few sample settlements and verdicts in these cases nationwide. Many of these settlements and verdicts were handled by the personal injury lawyers at our Maryland-based firm, Miller & Zois.
Keep in mind these are civil tort lawsuits. The settlement compensation you receive in a workers’ compensation case will typically be less than you would receive in a third-party negligence lawsuit. This is not always the case if there is a liability dispute. But the typical settlement for a rotator cuff injury at work case will be less.
This is not a scientific sampling, so you cannot pull an average of these compensation amounts and achieve a meaningful statistic. It may not reflect the value of your case, even if the facts are similar. But the results and payouts are interesting. We hope they give you some idea of how other similar claims have been valued and narrow the expected settlement ranges in your case.
- 2024, New Jersey: $62,932 Verdict: The plaintiff was a passenger in a van when the host driver recklessly turned right from the middle lane at a high speed, causing a collision with another vehicle. The plaintiff claimed to suffer a left rotator cuff tear, tears to the left supraspinatus and subscapularis, cervical radiculopathy, and cervical and lumbar disc herniations.
- 2023, Alabama: $1,954,024 Verdict: The plaintiff was delivering goods to the defendant Dollar General store when a loading ramp (provided by the store) gave way underneath of him causing him to fall and suffer a torn rotator cuff, a broken toe, and other injuries.
- 2023, Washington: $54,419 Verdict: A 66-year-old female, collided with the defendant’s vehicle when the defendant made a negligent left-hand turn in front of oncoming traffic. She suffered a severe strain of her right rotator cuff capsule and soft tissue neck and back injuries.
- 2022, Tennessee: $238,000 Verdict: Two passengers, a paraplegic man, and his female caregiver were in a transport van that T-boned another vehicle. The man suffered minor soft-tissue injuries. He underwent minor medical treatments. The woman suffered a rotator cuff tear. She underwent shoulder surgery about one year later. The non-fault driver suffered soft-tissue injuries, including the aggravation of a preexisting one. The three plaintiffs alleged negligence against the transport van driver. They claimed she ran a stop sign and failed to yield the right-of-way. The jury awarded $238,000.
- 2021, Virginia $200,000 Settlement: The defendant driving a Ford F-350, rear-ended the plaintiff at a red light. An MRI showed a degenerative tear requiring surgery. The plaintiff incurred $100,000 in medical bills, a lot in a rotator cuff injury case. The plaintiff argued that he was asymptomatic before the crash. Erie Insurance argued that the injury was degenerative and not from the truck accident but agreed to settle for $200,000.
- 2020, Mississippi $639,000 Verdict: A 70-year-old woman was struck by an 18-wheeler. She suffered a torn rotator cuff and a disc injury. The woman underwent steroid injections and physical therapy. She now required future fusion and shoulder repair procedures. The woman alleged that the truck driver’s negligence caused her injuries. The defense contested this allegation. A jury ruled in the woman’s favor and awarded $639,000.
- 2020, Louisiana $11,929,722 Verdict: A 58-year-old mentally handicapped cyclist was struck by a distracted driver. He suffered a traumatic brain injury, post-concussion syndrome, a torn rotator cuff, a shoulder dislocation, hip and fibula fractures, a T5-9 fracture, rib fractures, and a deep head laceration. The man now experienced depression, memory loss, headaches, and diminished language capacity. He could no longer work and now required ongoing care. The man’s mother alleged that the at-fault driver’s inattentiveness caused permanent injuries. The defense contested admitted liability but disputed the traumatic brain injury claim. A jury ruled in the man’s favor and awarded $11,929,722.
- 2020, Missouri $55,000 Settlement: A woman was sideswiped. She suffered a partially torn right rotator cuff. The woman also suffered soft-tissue neck and back injuries. Her physician recommended future shoulder surgery. The woman alleged that the at-fault driver’s negligence caused her injuries. She received a $55,000 settlement.
- 2020, Pennsylvania $25,000 Bench Verdict: A woman was T-boned. She suffered a torn rotator cuff, cervical protrusions and bulging, and segmental dysfunction throughout her spine. The woman alleged that the at-fault driver’s negligence caused these injuries. She claimed he ran a red light and excessively sped. Following a bench trial, the woman received $25,000.
- 2020, Pennsylvania $85,000 Verdict: A man tripped and fell over a curb near a casino entrance. He suffered a left rotator cuff tear and disc herniations, and bulging. The man alleged that the casino’s failure to maintain safe premises caused his injuries. The casino denied liability by arguing comparative negligence. A jury found the casino 60 percent liable and the man 40 percent liable. They awarded $85,000.
- 2020, New Jersey $100,000 Verdict: A 79-year-old passenger was rear-ended by an underinsured driver. She suffered a right rotator cuff tear and a C4-5 herniation. The woman underwent radiofrequency ablation. She alleged that the at-fault driver’s negligence caused her injuries. The woman made a UIM claim against Liberty Mutual. She received a $100,000 verdict.
- 2019, Maryland $86,633 Verdict: A 78-year-old pedestrian was struck at a Baltimore intersection. She tore her left rotator cuff and biceps tendon. The woman also had her preexisting back condition aggravated. She underwent physical therapy and painkilling injections. The woman also took pain medications. Her physicians testified that she had reached her maximum medical improvement. The woman alleged that the driver’s failure to yield to a pedestrian caused her permanent injuries. A Baltimore City jury awarded $86,633.
- 2019, Maryland $40,000 Settlement: Our client suffered a minor rotator cuff injury. The injury thankfully resolved very quickly without surgery or significant physical therapy.
- 2018, Maryland: $175,000 Settlement: Our client is hit when a truck made an unsafe right turn. He had a few injuries, most notably a rotator cuff injury. Insurance companies undervalue rotator cuff cases. This claim was no exception. The insurance company offered $20,000 pre-suit, arguing the client received little medical attention (which was true). This was a non-starter. We filed a lawsuit. We assumed we were going to trial, but the offer kept coming up and up. When the offer reached $175,000, our client decided to settle the case.
- 2018, Connecticut $41,612 Verdict: A 25-year-old student was a passenger in a car accident caused by the defendant when he ran a stop sign and struck her vehicle on the front right side. Plaintiff suffered a left rotator cuff tear resulting in 3% permanent partial disability. Liability was admitted. The battle was over how much money to award. After a bench trial, the plaintiff was awarded $41,612 for her injuries.
- 2017, New Jersey $100,000 Settlement: A 56-year-old plaintiff driver claimed that the defendant carelessly crossed over the center line, causing a head-on collision. As a result of the accident, the plaintiff suffered a torn left rotator cuff that required arthroscopic surgery to repair. He also suffered a broken left ankle and claimed to have a herniated disc. The case settled for policy limits of $100,000.
- 2017, Florida $181,337 Verdict: The defendant rear-ended the plaintiff on a two-lane road in Escambia County, Florida. The plaintiff was subsequently diagnosed with a tear of the right rotator cuff, which he claimed was the result of the car accident with the defendant. Like most of these cases, liability. The trial was solely about damages. There was no dispute that the plaintiff’s rotator cuff was torn. But the defendant’s personal injury lawyer claimed that the force of the accident was not enough to have caused the injury. The jury was not persuaded. It awarded the plaintiff $181,337 in damages, including $81,000 for past medical expenses. The interesting thing about the case is the jury apparently reached this verdict despite its finding that his injuries were not permanent.
- 2016, Maryland: $250,000 Settlement: A Miller & Zois client is traveling on Route 97 North in Anne Arundel in the far left lane. She stops her vehicle and is rear-ended. She has surgery to repair her shoulder and has a quality recovery. GEICO offered its $50,000 limits, and Erie paid $200,000 in uninsured motorist coverage.
- 2013, Michigan: $65,000 Verdict: Plaintiff is injured when his car is rear-ended. Plaintiff claims that he suffered a rotator cuff tear and undergoes arthroscopic surgery. Plaintiff hires a rotator cuff injury lawyer who files suit against the uninsured driver and his uninsured motorist carrier, Auto-Owners Insurance Company. Defendants contend that the accident was the fault of Plaintiff for slamming on his brakes for no reason. Plaintiff denies the contention, and a jury awards him $65,000.
- 2012, Maryland: $340,000 Verdict. The victim suffered a rotator cuff injury in a classic left turn case. Like most shoulder injury cases, this man also had other serious injuries as well, including a disc injury. Defendant made no offer to resolve the case before trial. Miller & Zois handled this case.
- 2012, Maryland: $50,000 Settlement: Plaintiff is traveling on Washington Boulevard on a motorcycle in Baltimore City. Defendant takes a left turn in front of him. He is diagnosed with a torn rotator cuff and had two surgeries. Plaintiff, an engineer (and a great guy), would have had a much larger recovery. But, as in many of these motorcycle cases, he had no uninsured motorist coverage and the defendant had no assets and a $50,000 liability policy.
- 2012, Georgia. $56,552 Verdict: Plaintiff, a homemaker, is rear-ended on an interstate exit ramp. She initially claims lower back pain. Two weeks after the accident, she begins to complain of shoulder pain. She is diagnosed with a torn labrum in her right shoulder and undergoes surgery. After continued shoulder complaints over the next nine months, she undergoes two more procedures on the same shoulder for rotator cuff repairs. She additionally undergoes lumbar surgery for aggravation of spinal stenosis. She files a personal injury claim, seeking over $200,000 in medical costs. Her rotator cuff attorneys ask the jury for $750,000 in economic and non-economic damages. The defendant, insured with GuideOne, admits liability but disputes everything beyond the initial shoulder injury. The jury sides with the defense and awards the Plaintiff $56,552.
- 2011, Pennsylvania. $47,500 Settlement: Plaintiff, a 64-year-old woman, is lying in bed when, if you can imagine, the defendant’s vehicle crashes into the wall of her house, knocking her out of bed. She strikes her shoulder against the wall. The defendant is arrested for DUI. The plaintiff is diagnosed with a rotator cuff tear. Plaintiff undergoes surgery. Records show that the plaintiff previously underwent rotator cuff repair surgery 15 years before the subject collision. The defense contends that Plaintiff suffers from unrelated health issues, including circulatory problems and a knee condition, limiting her mobility, and her rotator cuff injury was not acute by chronic. The case settles the day before trial for $47,500.
- 2010, Florida. $500,000 Verdict: Plaintiff, 34, is working as a landscaper, blowing grass to the shoulder of the road when he is struck by a vehicle. Plaintiff is diagnosed with a rotator cuff tear and aggravation of a preexisting lumbar disc herniation. Plaintiff undergoes shoulder surgery and lumbar surgery. The defense maintains that Plaintiff caused the collision by stepping into the path of the oncoming vehicle and that Plaintiff did not sustain a permanent injury. Plaintiff returns to employment, but in a limited capacity with a different employer. He claims that his accident-related injuries diminished his future earning capacity. The defense emphasizes his accident history, which includes four prior accidents and a visit to his orthopedic surgeon four days before the accident. The jury finds that Plaintiff suffered a permanent injury due to this crash, but found Plaintiff to be 40% comparatively negligent. Plaintiff is awarded $500,000 in damages, which is reduced to a net of $300,000.
- 2010, Maryland $70,000 Settlement: Our client had a surgical repair, but, thankfully, she was young and made a full recovery without remaining symptoms. This was fortunate for her, but it did have a bit of a chilling effect on her settlement offer.
- 2009, Maryland $150,000 Settlement: This is a Delaware case our personal injury law firm handled with counsel there. (Long story about why we filed in Delaware.) She received an insignificant offer, partly because she received a lot of physical therapy for her shoulder injury but did not get surgery. We filed suit and the case settled shortly after that. She had just under $25,000 in medical bills.
Again, keep in mind that these are all third-party civil lawsuits and not injuries that occurred at work without a third party responsible. Workers’ compensation and social security disability cases are valued differently (and usually much lower).
How Much Compensation Will I Get For a Maryland Torn Rotator Cuff Case?
The average value of a personal injury lawsuit in Maryland involving a torn rotator cuff is between $35,000 to $150,000. The most severe shoulder injuries may have a typical settlement payout in the range of $150,0000 to $300,000 or more.
What Impacts the Settlement Amount of a Rotator Cuff Injury?
The severity of the rotator cuff injury has the most impact on the potential settlement value of the case. Minor or partial tears of the rotator cuff are less severe and have a lower settlement amount. Complete tears are more serious, often requiring surgery. Surgery claims generally fetch higher values.
Above, we list the five variables that drive the value of these cases and the type of surgeries that usually fetch more money. Remember, these are not workers’ compensation claims. Injured workers typically get less compensation for the same injury than you would get in a civil tort claim.
Are Rotator Cuff Injuries Common in Car Accidents?
Shoulder injuries are prevalent in car accidents. Our Maryland car accident lawyers have seen scores of these cases. The sudden impact of an accident can cause the tendons in the shoulders to overstretch and tear. Rotator cuff tears can be partial or complete.
Can a Torn Rotator Cuff Result in a Permanent Disability?
Yes. Severe rotator cuff tears can sometimes result in a permanent loss of full motion range in the shoulder. This can significantly restrict a person’s ability to perform certain functions and qualify as a permanent partial disability. These claims have a high average settlement and trial value.
Getting an Experienced Maryland Rotator Cuff Injury Lawyer
Our Maryland personal injury lawyers are experienced in handling rotator cuff injury cases. If you have suffered a severe injury in a motor vehicle collision in Maryland or Washington D.C., call us at 800-553-8082 or get a free online consultation.
(If you are outside of Maryland and D.C., contact us online and ask for a recommendation for a personal injury attorney in your jurisdiction. We do not have a lawyer to refer to in every jurisdiction. But we do in most states.)
Car Accidents
