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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change your life. From the cost of medical bills and lost wages to suffering and pain, you may feel overwhelmed by the consequences of your injuries. Certain costs, such as your medical expenses or lost wages, are easy to determine. Others are more subjective, like your suffering and pain. Lost wages Loss of income due to injury can be a devastating loss of income. Many households rely on wages for basic living expenses, including mortgage or rent payments, groceries and utility bills. In New York, injured workers could be eligible to file a personal injury lawsuit against the at-fault driver to claim the cost of lost wages. However the success of a claim is contingent on the evidence that the injury was the cause of the wage loss and that it was proximately related to the crash. The first step in calculating your lost earnings is to find the average weekly wage (AWW) that you earned prior to your accident. This can be done by looking through your previous pay statements. A lawyer can help you collect the necessary documents to support your claim. Include both your salaries if you have more than one employer, or multiple sources of income. It is also helpful to include any other financial benefits you receive like bonuses as well as health insurance or retirement contributions. It is possible that you will not be able to return to work, or you might be able do so in a reduced capacity, based on the nature of your injury. If you find yourself in this situation your insurance provider may have to provide temporary benefits like a weekly fixed payment which is based on a percentage of your wage. You may also be entitled to a reimbursement of your paid time off (PTO), which you used to recover from your injury. The value of PTO typically equals one day's wage. When calculating your lost wage, you should also consider the work-related expenses you've incurred. This can include the cost of any transport, meals or other equipment required for your recovery. Workers' compensation doesn't provide future earnings. If your injury hinders you from working in the same field or earning the same amount you earn, you can seek compensation through an additional claim known as “lost earnings capacity.” You'll be required to prove your accident has affected your ability to pursue your chosen career track. Medical bills Many people feel sticker shock when they learn of the price of hospital visits, especially an emergency room visit. The cost of treatment for outpatients is also quite expensive. This is because medical practices are for profit and doctors have to cover their costs in order to earn profit. In turn they have the right to put a lien on your personal injury settlement or award in order to recover the amount they have been charged. Medical bills are included in the compensation claim for injuries caused by negligence. They are usually reimbursed by the party at fault and their insurance company. You are responsible for paying these medical charges as long as the case is in progress. After your personal injury coverage (PIP), which has a limit of $8,000 or $2200, is exhausted, you are able to make use of the remaining health insurance coverage to cover your medical expenses. However, it's important to have your health insurance's contact information on file with the medical provider to make sure that these bills are paid for by them. Additionally, you must be sure that the medical providers you have been seeing is licensed by the Workers' Compensation Board to treat injured workers. If they're not, you'll be responsible for paying the bills when you receive your personal injury settlement. It is also important to ensure that you inform your attorney about all the doctors' offices, physical therapists and other medical providers you have visited. Your lawyer might not be aware about them, and might not be able get the money due from your settlement. A lawsuit for injury can help you recover from the physical and emotional trauma you've experienced as a result the negligence of other people. You could receive compensation for your injuries or the loss of someone you love, if you can prove that other party's negligence caused it. This includes medical expenses as well as lost wages and other damages that are not economic, such as discomfort and pain. Pain and suffering The effects of suffering and pain are difficult to quantify in dollars. This is because they aren't economic damages like medical bills or loss of income. Vacaville is essential to find an attorney who is able to explain to jurors how your injuries affected your life. Having evidence such as photos, witness testimony, and copies of your medical records can aid. The jury should be able to understand that your injury has affected your lifestyle and prevented your from participating in other activities can be a significant factor. Your lawyer can use either the Multiplier or Per Diem method to calculate your pain, suffering and damages. The Multiplier method is a method of adding up your damages in money and then multiplies it by a number from one to five dependent on the severity of your injury. The Per Diem method assigns an amount of money to each day you were injured, and then multiplies that number by the number of days required to fully recover. These are only two of the many aspects that your lawyer will consider to determine a fair settlement figure for your pain and suffering. The pain and suffering of a person is not something that can be analyzed using a computer or algorithm therefore an injury case involving a person requires a careful analysis of the unique elements that impact the individual victim's circumstance. In addition to evaluating your actual physical pain mental anguish and emotional distress should be considered. This includes emotions like fear, depression, grief, anxiety and shock. The most severe mental pain could include PTSD, or post-traumatic stress disorder. A psychologist or any other expert can testify about the severity of your injury and how it has affected you. This can be done via written reports or face-to-face testimony. The more information you provide, the better your attorney can help you get a higher compensation for your discomfort and pain. You may sue someone who intentionally injured you, even though the majority of personal injury cases involve accidents. This type of negligence claim is known as a civil tort. Civil torts are not uncommon, even though these claims are uncommon. They include medical negligence, wrongful death, dog bite injuries and defamation suits. Damages A monetary sum awarded to someone as compensation for an injury could help them get back on their feet after an accident. It could also cover more intangible losses like suffering and pain. Typically the damage is paid by the defendant through an insurance settlement or by the jury or judge in court cases. Generally, there are two categories of damages: compensatory and punitive. Compensation damages compensate the plaintiff for actual costs and are offered in nearly every personal injury claim. Punitive damages punish the wrongdoer and discourage similar conduct in the future. When seeking compensation, it is important to include not only the losses that have occurred in the past, such as medical bills and lost wages, but also estimates of future expenses and losses. This includes prescription medications as well as future surgeries and unforeseen costs. It is also crucial to think about how the injury has impacted your quality of life. It is essential to consider the losses you suffer if, for example, you are unable to play with your children or engage in other activities you enjoy. The most straightforward way to determine past losses is simply adding up the amount you've paid and the amount you've lost. However, to calculate future medical expenses and a decrease in earning power, you'll need an official note from your doctor stating the length of time you will be unable to work and your typical hourly rate. You can then divide the number days between the date of your maximum medical improvement and the date of your expected return to work, using this daily rate, to calculate the estimated loss in income. You could also be entitled to compensation for “loss or consortium” if your accident has caused emotional stress in your relationship with your spouse or other loved ones. It's hard to put a price on the pain and suffering that you endure, but you deserve an adequate and fair amount of compensation for your injury. This type of compensation is usually based on a judge's or jury's decision rather than hard evidence. Your attorney can explain this in detail and assist you in determining the amount of damages you deserve.