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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 pain and suffering you might feel overwhelmed by the consequences of your injuries. Certain costs are simple to calculate, like your medical expenses or time off work. Some costs are more subjective, like your suffering and pain. Lost wages Accidents that result in a loss of income can be catastrophic. Many families rely on wages to cover basic expenses, such as rent or mortgage payments, groceries and utility bills. In New York, injured workers may be eligible to file a personal injury claim against the driver who caused the accident to claim compensation for lost wages. A successful claim requires evidence that the injury is the cause of the wage loss and that it is directly linked to the accident. To determine your lost wages, 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 at your past pay statements. A lawyer can assist you collect the necessary documents to prove your claim. Include both your salaries when you have more than one employer, or multiple sources of income. Include any financial benefits that you receive, such as health insurance, retirement contributions, or bonuses. Depending on the nature of your injury, you could be in a position to not return to work at all or be able to return at a reduced capacity. If you're in this situation, your insurance company may require you to pay temporary benefits, such as an annual fixed payment that is which is based on a percentage of your wage. You could be eligible for reimbursement of your paid time off (PTO), which you took advantage of in your recovery from your injury. The value of PTO generally is equal to one day's salary. When you calculate your lost wage take into account any costs related to work that you have to pay. This could include transportation, meals, or equipment that you require to recover. Workers' compensation doesn't guarantee future earnings. If your injury stops you from working in the same field or earning the same amount you earn, you are able to apply for compensation by filing an additional claim referred to as “lost earnings capacity.” Santa Clarita injury lawsuits youtube.com will be required to prove your injury has impacted your ability to pursue your career path. Medical bills Many people are shocked when they learn of the price of hospital visits, especially an emergency room trip. The cost of outpatient treatment is also quite expensive. This is because medicine is a profit-making business, and doctors have to cover their expenses and earn profit. As a result they are entitled to put a lien on your personal injury settlement or award to recuperate the amount they were billed. Medical bills are deemed to be part of the claim to compensation for injuries caused by the negligent actions of another. In the majority of cases, the at-fault person and their insurance company pay these medical bills. In the case of a car crash case it is your obligation to pay the medical bills. When your personal injury protection (PIP) has exhausted its $8,000 or $2,200 limit You can then use your health insurance plan to pay the remainder of your medical expenses. It is important to have your health insurance information on the medical provider's file in order to be able to pay these bills directly to them. You should also ensure that the medical professionals who have treated you are authorized to treat you by the Workers' Compensation Board. If they are not, you will be liable for the costs if and when you receive a personal injury settlement. It is also essential to make sure that you tell your accident attorney about all of the doctors' offices, physical therapists and other medical providers you have been to. Your lawyer may not know about them and they might not be able to collect the amounts that are owed from your settlement. While there is no way to fully cover the emotional and physical trauma you've endured as a result of the negligence of another the other party, a lawsuit for injury can be a great help. You could receive compensation for your injuries, or the loss of a loved one, if you can prove that the negligence of the other party caused it. This includes medical expenses or lost wages, as well as other damages that are not economic, such as pain and discomfort. Pain and suffering As opposed to the economic damages, such as medical bills and loss of income it is difficult to put a dollar value on pain and suffering. This is why it's crucial to have a competent attorney who can show jurors how your injury has affected your life. Evidence such as photographs, witness testimony, and copies of your medical records may assist. Explaining to the jury that your injury has impacted your life and prevented you from participating in other activities could have a significant impact. Your lawyer can employ either the Multiplier or Per Diem method to calculate your suffering, pain, and damages. The Multiplier method is a method of adding up your monetary damages, and multiplies it by a number ranging from one to five depending on the severity of your injury. The Per Diem method assigns a specific dollar amount to each day that you were injured and multiplies the amount by the total days that it will take to fully recover. These are just two of the many elements that your lawyer will consider to determine the most fair amount of settlement for your pain and suffering. Pain and suffering is not something that can be analyzed using a computer or algorithm and the personal injury case requires a careful evaluation of the unique elements that impact each victim's situation. You must also take into consideration your mental stress, emotional suffering and physical pain. This includes emotions such as grief, depression, fear and anxiety, as well as shock. Post-traumatic stress disorder (PTSD) is a serious mental disorder that can cause severe mental pain. A psychologist or another expert can testify about the severity of your injury and how it has affected your life. This can be done via written reports or through face-toface testimony. The more information you can provide the better your lawyer can assist you to receive a better settlement for your discomfort and pain. While most personal injuries involve accidents, you may also pursue an action against someone who intentionally harmed you. This kind of negligence claim is known as a civil tort. Civil torts are not unheard of even though they are not common. They include wrongful death, medical negligence as well as dog bite injuries. defamation lawsuits. Damages After an accident, a financial award can assist someone in getting back on their feet. It may also be used to compensate for other intangible losses, such as pain and suffering. Typically the damages are paid by the defendant in an insurance settlement or by the jury or judge in court cases. In general, there are two categories of damages: punitive and compensatory. Compensation damages compensate the plaintiff for actual expenses and are available in nearly every personal injury case. Punitive damages are used to punish the perpetrator and deter similar behavior in the future. When seeking compensation, it is important to include not only the past losses, like medical bills and lost wages, but also estimates of future expenses and losses. This includes prescription drugs, future surgeries and any other unforeseeable costs. It is also crucial to take into consideration how the injury may have affected your life quality. For instance, if you cannot play with your children or engage in other activities you usually take part in, it is essential to account for those losses. The easiest way to determine past losses is by simply adding up what you've spent and the earnings you've missed. However, to calculate future medical expenses and a decrease in earning capacity, you'll need a doctor's note indicating the length of time you'll be unable to work and your usual hourly rate. Then, you'll be able to divide the number of days between your date of the maximum improvement in your medical condition and when you are scheduled to return to work by the rate you earn daily to calculate the estimated loss of earnings. You could also be entitled to compensation for “loss or consortium” in the event that your accident has caused emotional distress in your relationship with your spouse or other loved ones. It's difficult to determine the value of pain and suffering, but you deserve the full and fair compensation for your injury. In most cases, this category of damages will be determined on a jury's or judge's judgment rather than on hard evidence. Your attorney can explain this in greater detail and help you determine the amount of compensation you deserve for your injury.