Home Industry Insurance and capital markets Why It Is Harder to Prove Non-...
Insurance And Capital Markets
CIO Bulletin
24 December, 2025
Non-economic damages cover the parts of an injury that never show up on receipts—your pain, your fear, the things you can’t do anymore, and the emotional toll that sits on your shoulders long after the physical injury fades. They matter just as much as medical bills, but proving them feels like trying to put a price tag on something personal and often invisible.
These losses are real, but they don’t come packaged in neat numbers. That’s where the struggle begins. Insurance companies want concrete proof, and pain rarely behaves in a way that fits into forms or spreadsheets. If you hope to recover compensation for non-economic damages, you have to show how the injury unsettled your daily rhythm, changed your relationships, or forced you to give up things that once felt simple.
This article examines why these damages are challenging to prove, what evidence is compelling, and how courts in the United States typically address these claims. You’ll also see real statistics that illustrate the unpredictability of these cases.
Economic losses are simple. If you owe $3,000 for physical therapy, that’s the number. But how do you show a jury that you haven’t slept well in months? Or that you feel anxious every time you walk across a street? These experiences don’t come with invoices.
Pain is personal, but the court needs something it can evaluate. That’s why the strongest cases rely on several different types of evidence:
A journal entry might sound simple, but it can help a jury understand what your mornings look like now compared to before the accident. You used to jog every day, and now you only take five minutes to get out of bed. Those small, specific details carry weight.
Sometimes your own explanation isn’t enough. This is where experts step in. Psychologists can describe the depth of your anxiety. Occupational therapists can explain how a hand injury affects your ability to do your job. A life-care planner can outline long-term lifestyle changes.
Their testimony helps translate something emotional into something measurable. Without it, a jury might see your pain as “just part of healing,” not a loss worth compensation.
Insurance companies prefer numbers they can calculate. Pain doesn’t work like that, so their first offer usually downplays non-economic losses. Juries can be unpredictable, too. A person with the same injury might receive a modest amount in one state and a significantly larger amount in another. Most people either negotiate for months or take their case to court because these damages are often discounted early in the process.
If physical pain is hard to show, emotional pain is even tougher. The best approach is to describe your life in actual moments:
A simple example: someone who once loved driving might now grip the steering wheel in fear after a crash. That isn’t easily “measured,” but it can still be proven with consistent accounts and expert support.
Your story needs to align everywhere—across medical visits, journal entries, conversations with adjusters, and statements from people close to you. Even minor contradictions can give an insurer or defense attorney something to attack. Consistency builds credibility, and credibility builds value.
Consistency across your statements strengthens your claim.







