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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury could alter the how you live your life. You may feel overwhelmed with the consequences of your injuries, ranging from medical bills and lost income to pain and suffering. Certain costs, like your medical costs or lost wages are straightforward to estimate. Some costs are more subjective, such as your suffering and pain. Lost wages Injury-related income loss can be catastrophic. Many households depend on their wages to cover basic living expenses such as rent or mortgage payments and food expenses. In New York, injured workers are able to file a personal injury claim against the driver who was at the fault in order to obtain the lost wages. A successful claim requires evidence that the injury was the reason of the wage loss, and that it is directly connected to the accident. To determine your lost wages, you must first determine your average weekly wage (AWW) which is the amount of money that you earned prior to your accident. This can be accomplished by looking at your past pay stubs. An attorney can help gather documents to support your claim. Include both salaries in the event that you have more than one employer, or have multiple sources of income. Include any financial benefits that you are entitled to, like health insurance, retirement contributions, or bonuses. Depending on the nature of your injury, you could be not able to return to work in any way or can only return to an unassailable level. If you're in this situation, your insurance company may have to provide temporary benefits such as weekly fixed payments which is based on a percentage of your income. You may be eligible for reimbursement of your paid time off (PTO) which you utilized in your recovery from your injury. The value of PTO generally is equal to one day's wages. Another factor to be considered when making a calculation of your lost wages is the cost of any work-related expenses you incurred. This can include any transportation or meals that you require to recover. Workers' compensation does not cover future earnings. If your injury prevents you from working in the same field or with the same pay, you can request compensation for future losses via another process known as “lost earning capacity.” In order to prove your claim, you will need provide evidence of the impact your injury has had on your capacity to pursue a particular career direction. Medical bills Many people feel sticker shock when they see the costs of hospital visits, especially an emergency room trip. The cost of treatment for outpatients can be quite expensive. This is due to the fact that medicine is for-profit and doctors must cover their costs in order to make profits. They are therefore entitled to levy a lien on your personal injury settlement in order to recover the amount that they have been paid. Medical expenses are part of the compensation claim for injuries resulting from negligence. In most cases, the at-fault person and their insurance company will pay the medical expenses. However, in the event of a delay of a case involving a car accident, it is your responsibility to pay for medical expenses. When your personal injury protection (PIP) that has the limit of $8,000 or $2200 is exhausted, you are able to make use of the remaining health insurance policy to cover your medical expenses. It is crucial to have your health insurance information on file at the medical provider in order to be able to send these bills to them. It is also important to confirm whether the medical professionals who treated you are licensed to do so by the Workers' Compensation Board. If they are not, you will be liable for the costs should you ever receive a personal injury settlement. It is also crucial to ensure that you inform your attorney about all of the doctor's offices, physical therapists' and other medical providers you have been to. Your lawyer might not be aware of them and might not be able to collect amounts owed from your settlement. Although there is no way to completely cover the emotional and physical trauma you've experienced due to the negligence of someone else the other party, a lawsuit for injury can help. You can get compensation for your injuries or the loss of a loved one when you can prove that other party's negligence caused it. This includes medical expenses or lost wages, as well as non-economic damages like discomfort and pain. Suffering and pain The effects of suffering and pain are difficult to quantify in terms of dollars. This is because they are not economic damages like medical expenses or loss of income. It is essential to find an attorney who can to explain to a juror how your injury affected your life. Having evidence such as photographs, witness testimony, and copies of your medical records may aid. However, explaining to the jury how your injury impacted your lifestyle and hindered you from engaging in hobbies and activities can also have a significant impact. Your lawyer may use one of two methods for calculating your suffering and pain, which are the Multiplier method or the Per Diem method. The Multiplier method adds up your damages in money and then multiplies them by a number that ranges from one to five depending on your severity of injury. The Per Diem method assigns an amount of money to every day you've been injured, and then multiply this number by the number of days required to fully recover. These are only two of the many elements that your lawyer will take into consideration to determine a fair settlement figure for your pain and suffering. Computers and algorithms are unable to determine the intensity of pain or suffering, therefore each case must be evaluated individually. It is also important to consider your mental stress, emotional distress and physical pain. This includes emotions such as depression, anxiety, and grief. Post-traumatic stress disorder (PTSD) is a severe mental illness that can lead to extreme mental pain. A psychologist or other expert can testify about your injury and how it has affected your life. This can be done via written reports or face-to-face testimony. The more information you provide, the better your attorney will be able to help you obtain a greater amount of compensation for your discomfort and pain. While most personal injuries involve accidents, you may also file an action against someone who has intentionally hurt you. This kind of negligence claim is referred to as a civil tort. Although these types of claims are rare, there are many types of civil torts that may be filed, including medical malpractice, wrongful death dog bite injuries and defamation lawsuits. Damages Following an accident, a monetary award can assist someone in getting back on their feet. It can also compensate for other intangible losses, such as pain and suffering. Typically the damages are paid by the defendant as an insurance settlement or by the judge or jury in a court case. In general there are two types of damages: compensatory and punitive. Compensatory damages reimburse a plaintiff for their actual expenses. They are offered in almost every personal injury case. Punitive damages punish wrongdoers and discourage future similar conduct. It is crucial to include future expenses and costs when you request compensation. This includes prescription medication, future surgeries and other unforeseen costs. It is also important to take into account the impact of your injury on your quality of life. It is crucial to take into account the consequences you face if, for example you are unable to play with your kids or participate in other activities you love. Add up the expenses and wages missed to calculate a straightforward calculation of your losses from the past. To estimate future medical costs and reduced earning potential You'll need a doctor's letter indicating the length of time you'll be absent from work and the average hourly rate. You can then divide the number of days between the date of your greatest medical improvement and the date of your expected return to work by this daily rate, to calculate the estimated loss of income. You could also be entitled to compensation for “loss or consortium” when your injury has caused emotional anxiety in your relationship with your spouse or other family members. The pain and suffering of a person is difficult to quantify, but you are entitled to fair compensation. Often, this category of damages will be based on a jury's or judge's judgment rather than on hard evidence. Costa Mesa injury attorney can explain this in more detail and help you determine the level of damages you deserve for your injury.