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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury could alter your life. From the cost of medical bills and lost wages to suffering and pain you might feel overwhelmed by the impact of your injuries. Certain costs are simple to calculate, like your medical expenses or missed work. Some costs are subjective, like your pain and suffering. Lost wages Accidents that result in a loss of income can be devastating. Many households depend on their earnings to cover essential expenses like mortgage or rent payments, as well as food items. In New York, injured workers may be able to file an injury claim against the driver who caused the accident to recover compensation for lost wages. A successful claim requires evidence that the injury was the reason of the wage loss and that it is directly related to the accident. To calculate your lost wages, 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 through your previous pay receipts. An attorney can assist you to gather documents to support your claim. Include both your salaries if you have more than one employer or multiple sources of income. It is also advisable to include any additional financial benefits you're receiving such as bonuses, health insurance or retirement contributions. You may not be capable of returning to work, or you might only be able to do so in a reduced capacity, based on the severity of the injury. If you are in this circumstance, the insurance company will have to provide you with temporary benefits, like a weekly fixed payment that is based upon a percentage of your weekly income. You may be eligible for reimbursement of your paid time off (PTO) which you used to recover from your injury. The value of PTO is usually thought to be the equivalent of one day's salary. When you calculate your lost wage it is important to consider any work-related costs that you've paid for. This could include the cost of any transport, meals or other equipment necessary to help you recover. Workers' compensation does not provide future earnings. If your injury stops you from working in the same field or earning the same wage you earn, you are able to apply for compensation under an additional claim known as “lost earnings capacity.” You'll have to prove that your accident has affected your ability to pursue your career direction. Medical bills Many people are shocked by the expense of a hospital stay, especially if it is an emergency room visit. The cost of outpatient care is also quite high. It is because medicine is for-profit and doctors must pay their expenses to earn profits. They are therefore entitled to levy a lien on your personal injury settlement in order to recover the amount they have been paid. Medical bills are considered to be part of the claim for compensation for injuries caused by the negligence of another. They are usually refunded by the at-fault party and their insurance company. You are accountable for paying these medical charges while the case is pending. When your personal injury protection (PIP), which has the limit of $8,000 or $2200, is exhausted, you can make use of the remaining health insurance policy to cover your medical expenses. It is essential to keep your health insurance details on file at the medical provider in order to be able to pay these bills directly to them. In addition, you should ensure that any of the doctors you've been seeing are licensed by the Workers' Compensation Board to treat injured workers. If they're not you'll be accountable for paying the bills when you receive your personal settlement for your injury. You should also inform your accident lawyer about the physical therapists, doctors and other medical professionals that you have visited. Your lawyer may not be aware of them and might not be able to collect amounts owed from your settlement. Although there is no way to fully make up for the physical and emotional trauma you've experienced because of the negligence of another, an injury lawsuit can help. You can get compensation for your injuries or the loss of someone you love in the event that you can prove that other party's negligence caused it. This includes medical bills, lost wages, and other non-economic damages such as discomfort and pain. Suffering and pain Unlike economic damages, such as medical bills and loss of income It is hard to place a dollar amount on pain and suffering. It is important to hire a lawyer who is able to explain to a juror how your injuries affected your life. Evidence such as witness testimony, copies of your medical records, and photographs can be helpful. However, describing to the jury how your injury impacted your lifestyle and caused you to be unable to enjoy activities and hobbies can have a significant impact. Your lawyer can use one of two common methods to determine your pain and suffering and suffering, which is the Multiplier method or the Per Diem method. The Multiplier method adds up all the damages you've suffered financially and multiplies that number by a number between one and five, based on the severity of your injuries. The Per Diem method assigns a specific amount of money to each day you were injured, and then multiply the amount by the total days it will take to fully recover. These are only two of the many elements that your lawyer will take into consideration to determine a fair settlement amount for your pain and suffering. The pain and suffering of a person is not something that can be measured by a computer or algorithm and an injury case involving a person requires careful consideration of the specific elements that impact each victim's particular situation. It is also important to consider your mental anguish, emotional distress and physical pain. This includes emotions like grief, depression, fear and anxiety as well as shock. Post-traumatic stress disorder (PTSD) is a serious mental disorder that can cause extreme mental pain. The best method to prove the loss of enjoyment is to have a qualified expert, such as a psychologist, testify about how the injury has affected you. This can be done via written reports or through face-toface testimony. The more details you provide, the better your lawyer can assist you to obtain a greater amount of compensation for your discomfort and pain. While most personal injuries involve accidents, you can also bring an action against someone who has intentionally hurt you. This kind of negligence claim is known as a civil tort. Civil torts are not unheard of however, they are rare. They include wrongful death, medical negligence as well as dog bite injuries. defamation suits. Damages Following an accident, a financial award can aid someone to get back on their feet. It could also be used to compensate for intangible losses such as pain and suffering. Typically the damages are paid by the defendant in an insurance settlement or by the judge or jury in a court case. In general there are two kinds of damages: compensatory and punitive. Compensatory damages reimburse the plaintiff for their actual expenses. They are available in nearly every personal injury case. Punitive damages are used to punish criminals and prevent future similar actions. When seeking compensation, it is essential to include not just the losses that have occurred in the past, such as medical bills and lost wages, but also the estimated future losses and expenses. This includes prescription drugs, future surgeries and any other costs that are not anticipated. It is also important to think about how the injury has impacted your life quality. For instance, if you are unable to play with your children or engage in other activities that you normally do, it is important to take into account the losses. The most straightforward way to estimate past losses is simply adding up the amount you've spent and the wages you've missed. To determine Greeley injury lawyers of future medical expenses and reduced earning potential you'll need an official letter from your doctor stating the length of time you'll be out of work and your average hourly rate. You can then divide the number days between the date of your greatest medical improvement and the date of your expected return to work by this daily rate to calculate estimated lost income. You may also be entitled to compensation for “loss or consortium” in the event that your injury has caused emotional stress in your relationship with your spouse or other family members. It's hard to quantify the pain and suffering that you endure, but you deserve full and fair compensation for your injury. This type of damage is usually based on a judge's or jury's decision rather than evidence. Your lawyer can explain this in greater detail and assist you in determining the amount of damages you're entitled to for your injury.