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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change your life. You might be overwhelmed by the consequences of your injuries, from the cost of medical bills and loss of income to suffering and pain. Certain costs, such as your medical costs or lost wages are easy to estimate. Others are more subjective, such as your pain and suffering. Lost wages Loss of income due to injury can be catastrophic. Many households rely on wages to cover basic expenses, such as rent or mortgage payments, food and utilities. In New York, injured workers might be eligible to file an injury claim against the driver who caused the accident to recover the cost of lost wages. A successful claim will require proof that the injury was the cause of the wage loss, and that it is directly related to the accident. The first step in calculating your lost earnings is to find the average weekly wage (AWW) that you earned before your injury. You can do this by looking through your pay receipts. A lawyer can help collect the necessary documents to support your claim. Include both salaries when you have more than one employer, or multiple sources of income. It is also important to include any financial benefits that you are entitled to, like retirement and health insurance, or bonuses. Depending on the severity of the injury, you may be not able to return to work or only be able to return to a reduced capacity. If you're in this situation, your insurance company may have to provide temporary benefits like an annual fixed payment that is based on a certain percentage of your average wage. You could also be entitled to reimbursement for the time you worked off (PTO) that you used during the time you were recovering from your injuries. The value of PTO generally equals one day's wage. Another aspect that must be taken into account when making a calculation of your lost wages is the costs of any expenses related to work you have incurred. This can include the cost of any transportation, meals, or equipment required to help you recover. Workers' compensation will not provide future earnings. If your injury prevents your from working in the same field or earning the same amount you earn, you can seek compensation by filing an additional claim referred to as “lost earnings capacity.” You'll need to provide evidence that your injury has impacted your ability to pursue your desired career track. Medical bills Many people are shocked by the cost of hospitalization, especially if it is an emergency room visit. Outpatient treatments can be costly. This is because medicine is a profitable business, and doctors must cover their costs and make a profit. They are therefore entitled to put a lien on your personal injury settlement in order to recover the amount they have been paid. Medical bills are considered to be a part of the claim for compensation for injuries caused by the negligent actions of another. In most instances, the person at fault and their insurance company reimburse these medical bills. In the case of a case involving a car accident, it is your responsibility to pay the medical bills. When your personal injury protection (PIP) which has an amount of $8,000 or $2200 is exhausted, you are able to take advantage of the remainder of your health insurance coverage to cover your medical expenses. However, it is very important to have your health insurance contact information in the file of your medical professional to ensure that the bills are paid to them. It is also important to confirm that the medical providers who have treated you are authorized to treat you by the Workers' Compensation Board. If they're not you'll be accountable for the cost of treatment when you receive your personal settlement for injury. It is also essential to ensure that you inform your attorney regarding all the doctor's offices, physical therapists and other medical professionals you've seen. Your lawyer may not be aware of these and may not be able collect the amount due from your settlement. An injury lawsuit may aid you in recovering from the physical and emotional trauma you've experienced due to the negligence of other people. By proving that the other person's negligence is the cause of your serious injuries or the death of a loved one, you could seek damages to pay for medical bills, lost wages and other non-economic losses such as pain and suffering. Pain and suffering Pain and suffering are difficult to quantify in dollar terms. This is because they aren't economic damages, like medical bills or loss of income. This is why it is crucial to have a competent attorney who can show a jury how your injury has affected you. Evidence such as witness testimony or copies of your medical records and photos are all helpful. However, explaining to the jury how your injury impacted your lifestyle and hindered you from engaging in sports and hobbies can be a major factor. Your lawyer can employ either the Multiplier or Per Diem method to calculate your suffering, pain and damages. The Multiplier method takes all the damages you have incurred and multiplies the amount by a number that ranges between one and five, depending on the severity of your injuries. The Per Diem method assigns an amount of money to every day you've been injured, and then multiply this amount by the number of days required to fully recover. These are just two of the many elements that your lawyer will take into consideration to determine a fair settlement amount for your pain and suffering. Computers and algorithms cannot calculate pain or suffering, which is why each case should be evaluated each case individually. In addition to assessing the physical pain you are experiencing, mental anguish and emotional distress should be taken into consideration. This includes emotions like grief, depression and anxiety. Post-traumatic stress disorder (PTSD) is a severe mental condition that can cause extreme mental pain. The best method to prove the loss of enjoyment of life is to have a certified expert like psychologist, testify on how the injury has affected you. This can be done via written reports or face-to-face testimony. The more information you can provide the better your attorney will be able to help you obtain a greater amount of compensation for your discomfort and pain. You may sue someone who intentionally injured you, even if the majority of personal injury cases are caused by accidents. This kind of negligence claim can be described as a civil tort. Civil torts are not uncommon however, they are rare. They include medical negligence, wrongful death as well as dog bite injuries. defamation suits. Damages A monetary sum awarded to a person as compensation for an injury may aid them in getting back on their feet after an accident. You Tube could also be used to compensate for intangible losses such as pain and suffering. Damages are usually paid by an insurance settlement or the judge or jury if the case is in court. In general there are two types of damages: compensatory and punitive. Compensatory damages reimburse the plaintiff for actual costs and are available in almost every personal injury lawsuit. Punitive damages punish the wrongdoer and prevent similar actions in the future. When seeking compensation, it is crucial to include not only past losses, such as medical bills and lost wages, but also estimated future losses and expenses. This includes prescription drugs, future surgeries and any other costs that are not anticipated. It is also important to consider the effects of your injury on your quality-of-life. It is crucial to consider the consequences you face when, for instance, you are unable to play with your kids or participate in other activities you love. The easiest method to estimate past losses is by adding up what you've spent and the wages you've missed. To estimate the future medical bills and reduced earning potential, you'll require an official note from your doctor stating the amount of time you will be unable to work and your usual hourly rate. Then, you'll be able to divide the number of days between the date of maximum medical improvement and the date when you're expected to return to work by the daily rate to calculate the estimated loss of earnings. You may also be entitled to compensation for “loss or consortium” if your accident has caused emotional anxiety in your relationship with your spouse or other loved ones. It is difficult to quantify, but you deserve fair compensation. This type of damage is usually determined by the judge's or jury's judgement instead of hard evidence. Your lawyer can explain this in more detail and help you determine the level of damages you are entitled to for your injuries.