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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. From 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. Certain costs are subjective like your suffering and pain. Lost wages Accidents that result in a loss of income can be catastrophic. Many households rely on wages to cover basic expenses, including rent or mortgage payments, food and utilities. In New York, injured workers might be eligible to file a personal injury lawsuit against the driver who caused the accident to recover the cost of lost wages. A successful claim requires proof that the injury was the cause of the wage loss, and that it is directly related to the accident. The first step in calculating your lost wages is to determine the average weekly wage (AWW) that you earned prior to your accident. This can be done by looking over your previous pay statements. An attorney can help you gather the required documents to prove your claim. If you have more than one employer, or have multiple sources of income, it's important to include both salaries in your AWW calculation. It is also advisable to include any additional financial benefits you are receiving, such as bonuses and health insurance, as well as retirement contributions. It is possible that you will not be able to return to work or may only be able to perform the job in a limited capacity, depending on the nature of the injury. If Baltimore are in this situation the insurance company might be required to provide temporary benefits such as weekly fixed payments that is based on a specific percentage of your average wage. You may also be entitled to reimbursement for your paid time off (PTO) that you took to recover from your injuries. The value of PTO generally is equal to one day's wages. When calculating your lost wage it is important to consider any costs related to work that you have incurred. This includes any travel or meals required for your recovery. While workers' compensation can provide you with the necessary medical treatment and compensation for your current missed wages, it doesn't provide for future earnings. If your injury prevents you from working in the same field or at the same wage you can seek compensation for future losses via a separate process called “lost earning capacity.” In order to prove this claim, you'll need to present evidence of the impact your accident has had on your ability to pursue a particular career path. Medical bills Many people are shocked when they look at the cost of an hospital visit, particularly an emergency room trip. The cost of outpatient care can be high. This is due to the fact that medicine is for-profit and doctors must cover their expenses to make a profit. 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. In most cases, the person who is at fault and their insurance company pay the medical bills. You are responsible for paying these medical expenses while the case is pending. After your personal injury coverage (PIP) has exhausted its limit of $8,000 or $2,200 You can then use your health insurance plan to cover the remainder of 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 them the bills. 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 will be responsible for the bills should you ever receive a personal injury settlement. You should also tell your accident lawyer about the doctors, physical therapists and other medical professionals that you have visited. Your lawyer might not be aware of these and may not be able to collect the amounts owed from your settlement. An injury lawsuit may assist you in recovering from the physical and emotional trauma that you have suffered due to the negligence of others. You can get compensation for your injuries or the loss of a loved one, if you can prove that the other party's negligence caused it. This includes medical bills as well as lost wages and other non-economic damages such as discomfort and pain. Suffering and pain Unlike economic damages, such as medical bills and income loss, it is difficult to determine a dollar amount on pain and suffering. This is why it is crucial to have a competent attorney who can show the jury how your accident has affected you. Evidence such as photos, witness testimony and copies of your medical records may help. Informing the jury that your injury has affected your life and prevented you from participating in other activities can be a significant factor. Your lawyer can employ either the Multiplier or Per Diem method to calculate your suffering, pain and damages. The Multiplier method adds up your monetary damages and then multiplies them by a number ranging between one and five, dependent on the severity of your injury. The Per Diem method assigns an amount of money to each day you're injured, and then multiplies that number by the number of days it will take to recover fully. Your attorney will consider a variety of factors to determine the fair settlement amount for your discomfort and pain. The pain and suffering of a person is not something that can be calculated by a computer or an algorithm, so the personal injury case requires a careful analysis of the specific circumstances that impact each victim's situation. You should also consider your mental stress, emotional suffering and physical pain. This includes emotions like fear, depression, grief and anxiety, as well as shock. Mental pain that is severe can include PTSD or post-traumatic stress disorder. The best method to prove your loss of enjoyment of life is to have a qualified expert like psychologist, testify to how the injury has affected you. This can be done with written reports and through face-to-face testimony. The more details you provide the greater chance it is that your lawyer can get you a larger amount of compensation for your pain and suffering. You can sue someone who intentionally injured you, even though the majority of personal injury cases involve accidents. This kind of negligence claim is referred to as a civil tort. While these kinds of claims are rare, there are many types of civil torts that could be filed, including wrongful death, medical malpractice, dog bite injuries, and defamation lawsuits. Damages Following an accident, a monetary award can aid someone to get back on their feet. It may also be used to compensate for more intangible losses like pain and suffering. Damages are usually paid by an insurance settlement or by a judge or jury if the case is in court. In general there are two types of damages: compensatory or punitive. Compensatory damages pay the plaintiff for actual expenses and are available in nearly every personal injury lawsuit. Punitive damages are used to punish criminals and prevent future similar actions. When seeking compensation, it is essential to include not only the past losses, like medical bills and lost wages, but also the estimated future expenses and losses. This includes prescription medications as well as future surgeries, and other unexpected costs. It is also important to consider the impact of your injury on your quality of life. For instance, if cannot play with your children or participate in other activities you normally take part in, it is essential to consider the loss. The easiest way to calculate past losses is by adding up the amount you've paid and the amount you've lost. To determine the cost of future medical expenses and the potential for earnings loss, you'll require a doctor's letter indicating how long you'll be absent from work and your average hourly rate. Then, you can divide the number of days between the date of maximum medical improvement and the date when you're expected to return to work by the daily rate to calculate the estimated loss of earnings. You may also be entitled to compensation for “loss or consortium” in the event that your injury has caused emotional anxiety in your relationship with your spouse or other family members. It's difficult to quantify suffering and pain however, you are entitled to the full and fair compensation for your injuries. Most often, this type of damages will be determined on a judge or jury's judgment, rather than on concrete evidence. Your lawyer can explain this in greater detail and assist you in determining the amount of compensation you are entitled to for your injuries.