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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change your life. You may feel overwhelmed with the effects of your injuries, from medical bills and lost income to pain and suffering. Some costs are easy to calculate, like your medical expenses or missed work. Some costs are subjective, like your suffering and pain. Lost wages Injuries that cause loss of income can be devastating. Many households depend on wages to cover basic expenses, including mortgage or rent payments, groceries and utilities. In New York, injured workers are able to file a personal injury claim against the driver at fault to recover compensation for lost wages. However the claim's success depends on the evidence that the injury caused the loss in wages and it was directly connected to the accident. To calculate the lost wages, you must first determine your average weekly wage (AWW), which is the amount of money that you earned prior to your injury. This can be accomplished by looking over your old pay receipts. A lawyer can assist you collect the necessary documents to prove your claim. If you have more than one employer or have multiple sources of income, it is essential to include both your salaries in your AWW calculation. Include any financial benefits you receive, such as retirement and health insurance or bonuses. You may not be in a position to return to your job or you might be able do so in a reduced capacity, depending on the nature of your injury. If you are in this situation the insurance company will need to provide you with temporary benefits, such as a weekly fixed payment which is based on a percentage of your weekly income. You might also be entitled to reimbursement for your paid time off (PTO) that you took during the time you were recovering from your injuries. The value of PTO is usually thought to be the equivalent of one day's salary. Another factor that needs to be considered when calculating your lost wages is the cost of any work-related expenses you have incurred. This could include transportation or meals needed for your recovery. Workers' compensation does not provide future earnings. If your injury prevents you from working in the same field or at the same pay you may be eligible for compensation for future losses through an additional process known as “lost earning capacity.” To prove this claim, you'll need provide evidence of the impact that your accident has had on your capacity to pursue a specific career direction. Medical bills Many people feel sticker shock when they learn of the price of hospital visits, especially an emergency room visit. The cost of outpatient treatment can also be very expensive. It is because medical practices are for profit and doctors must pay their costs in order to make a profit. As a result they have the right to put a lien on your personal injury settlement or award in order to recover the amount they have been paid. Medical bills are included in the compensation claim for injuries resulting from negligence. In the majority of cases, the person who is at fault and their insurance company pay the medical bills. In the case of a car accident case it is your obligation to pay the medical bills. Once your personal injury protection (PIP) has exhausted its $8,000 or $2,200 limit, you can use your health insurance plan to pay the remainder of your medical expenses. However, it is very important that you have your health insurance contact information on file with your medical professional to ensure that the bills are sent to them for payment. 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 are not, you'll be responsible for the bills should you ever receive a personal injury settlement. You should also inform your lawyer for accidents about the doctors, physical therapists and other medical professionals who you have visited. Your lawyer may not know about them and they may not be able to recover the amount owed from your settlement. An injury lawsuit may help you recover from the physical and emotional trauma that you have suffered because of the negligence of other people. You may be able to claim compensation for your injuries, or the loss of a loved one when you can prove that negligent party caused the injury. This includes medical bills or lost wages, as well as other damages that are not economic, such as pain and discomfort. Pain and suffering In contrast to economic damages, like medical bills and loss of income it is difficult to put a dollar value on the pain and suffering. It is crucial to choose an attorney who can to explain to jurors how your injury affected you. Evidence such as photographs, witness testimony, and copies of your medical records may help. But, describing to the jury how your injuries have affected your life and prevented you from enjoying activities and hobbies can make a significant impact. Your lawyer can use either the Multiplier or Per Diem method to calculate your suffering, pain and damages. The Multiplier method takes all your monetary damages and multiplies that number by a value between one and five, based 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 number by the number days it will take to fully recover. These are only two of the many aspects that your lawyer will take into consideration to determine the most fair amount of settlement for your pain and suffering. Computers and algorithms are unable to calculate the intensity of pain or suffering, therefore each case must be evaluated in a unique. You should also consider your emotional stress, mental discomfort and physical pain. This includes feelings like grief, depression and anxiety. Post-traumatic stress disorder (PTSD) is a severe mental illness that can lead to severe mental pain. A psychologist or another expert can testify to your injury and how it has affected you. This can be done through written reports or face-to-face testimony. The more details you provide the more your attorney will be able to help you obtain a greater amount of compensation for your pain and discomfort. While most personal injury cases involve accidents, you may also bring a lawsuit against someone who intentionally harmed you. This type of negligence claim is described as a civil tort. While these kinds of claims are rare but there are a myriad of types of civil torts that may be filed such as medical malpractice, wrongful death dog bite injuries and defamation lawsuits. Damages After an accident, a financial award can aid someone to get back on their feet. It may also be used to compensate for other intangible losses, such as pain and suffering. Midland injury lawyer are typically covered by an insurance settlement or by jurors or judges in the event of a case being heard in court. In general, there are two types of damages: compensatory and punitive. Compensation damages are those that reimburse a plaintiff for their actual expenses. They are available in nearly every personal injury claim. Punitive damages punish the wrongdoer and prevent similar actions 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 estimated future expenses and losses. This includes prescription drugs, future surgeries and other unforeseen costs. It is important to also take into account the impact of your injury on your quality of life. It is crucial to take into account the loss you experience when, for instance, you are unable to play with your children or engage in other activities you enjoy. The easiest way to calculate past losses is simply adding up what you've spent and the amount you've lost. To estimate the future medical expenses and a decrease in earning potential, you'll require medical note from a doctor that outlines the length of time you will be unable to work and your usual 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, by this daily rate, to calculate the estimated loss of income. You may also be entitled to compensation for “loss or consortium” if your accident has caused emotional stress in your relationship with your spouse or other family members. It's hard to determine the value of the pain and suffering that you endure however, you are entitled to the full and fair compensation for your injuries. This type of damage is usually based on a judge's or jury's decision rather than hard evidence. Your lawyer can explain this in greater depth and help you decide the level of damages you're entitled to for your injury.