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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change the ways you live your life. From medical bills and lost wages to suffering and pain, you may feel overwhelmed by the impact of your injuries. Certain costs are simple to calculate, like medical expenses or the cost of missing work. Some costs are more subjective, such as your suffering and pain. Lost wages Injury-related income loss can be catastrophic. Many households rely on wages for basic living expenses, such as rent or mortgage payments, groceries and utility bills. In New York, injured workers might be capable of filing a personal injury claim against the at-fault driver to claim the cost of lost wages. A successful claim will require evidence that the injury was the reason of the wage loss and that it is directly related 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 injury. This can be done by looking at your past pay statements. A lawyer can help gather the appropriate documents to support your claim. Include both salaries if you have more than one employer, or multiple sources of income. It is also helpful to include any additional financial benefits you receive like bonuses as well as health insurance or retirement contributions. It is possible that you will not be capable of returning to your job or you may only be able to do so in a reduced capacity, depending on the nature of the injury. If you find yourself in this circumstance, your insurance company may be required to provide temporary benefits, such as an annual fixed payment that is based on a certain percentage of your income. You may be eligible for reimbursement for the paid time off (PTO) that you took to recover from your injuries. The value of PTO is generally considered to be the equivalent of one day's wages. Another factor that needs to be considered when calculating your lost wages is the cost of any work-related expenses you incurred. This can include the cost of any transportation, meals, or equipment required to help you recover. While workers' compensation provides you with the necessary medical care and compensation for your current missed wages, it does not cover future lost earnings. If your injury prevents you from working in the same field or with the same pay you can seek compensation for future losses through another process known as “lost earning capacity.” To prove this claim, you will need provide evidence of the impact your injury has had on your ability to pursue a specific career direction. Medical bills Many people are shocked by the expense of a hospital stay especially when it's an emergency room visit. The cost of treatment for outpatients is also quite expensive. Macon injury lawyer is because medicine is a profit-making business, and doctors must pay for their expenses and turn profit. Therefore, they are entitled to put a lien on your personal injury settlement or award to recover the amount they have been charged. Medical expenses are part of the compensation claim for injuries resulting from negligence. In most cases, the at-fault person and their insurance company reimburse these medical bills. However, in the event of a delay of a car crash case it is your responsibility to pay the medical bills. After your personal injury protection (PIP) which has the limit of $8,000 or $2200 is exhausted, you can take advantage of the remainder of your health insurance coverage to pay your medical expenses. It is important to have your health insurance information in the file at the medical provider in order to be able to send them the bills. You should also ensure that the medical professionals who treated you are authorized to do so by the Workers' Compensation Board. If they are not, you will be responsible for the bills in the event that you receive a personal injury settlement. It is also important to inform your accident lawyer about the doctors, physical therapists, and other medical providers you've visited. Your lawyer may not be aware of them and may not be able collect the amount due from your settlement. While there is no way to completely compensate for the emotional and physical trauma you have experienced because of the negligence of another, an injury lawsuit could be helpful. In the event that you can prove that another person's negligence caused of your serious injuries or the death of a loved one You can seek damages to pay for medical bills, lost wages and other non-economic losses such as suffering and pain. Suffering and pain The effects of suffering and pain are difficult to quantify in dollar terms. This is due to the fact that they are not economic damages like medical bills or loss of income. It is essential to find a lawyer who is able to explain to a juror how your injury affected your life. Evidence such as photographs, witness testimony, and copies of your medical records may aid. Explaining to the jury that your injury has affected your life and prevented you from enjoying hobbies and other activities could have a significant impact. Your lawyer may use one of two methods to calculate the amount of your pain and suffering that is the Multiplier method or the Per Diem method. The Multiplier method adds up your damages in money, and multiplies it by a number from one to five, depending on the severity of your injury. The Per Diem method assigns an amount of money for each day you're injured, and then multiply this number by the number days you will need to fully recover. These are only two of the many elements that your attorney will consider to determine the most fair amount of settlement for your pain and suffering. Computers and algorithms can't calculate the intensity of pain or suffering, therefore each case should be evaluated in a unique. You must also take into consideration your emotional stress, mental distress and physical pain. This includes emotions like depression, grief and anxiety. Post-traumatic stress disorder (PTSD) is a serious mental disorder that can cause severe mental pain. A psychologist or any other expert can testify to your injuries and how it has affected you. This can be done through written reports or through face-toface testimony. The more information you provide the more your attorney can help you get a higher compensation for your pain and discomfort. While the majority of personal injuries involve accidents, you may also pursue a lawsuit against someone who intentionally harmed you. This type of negligence claim is known as a civil tort. Although these types of claims aren't common but there are a myriad of types of civil torts that could be filed such as medical malpractice, wrongful death dog bite injuries and defamation lawsuits. Damages A monetary sum awarded to someone as compensation for an injury may assist them in getting back on their feet following an accident. It could also cover more intangible losses such as pain and suffering. Damages are usually paid by an insurance settlement or a judge or jury in the event of a case being heard in court. In general, there are two types of damages: compensatory and punitive. Compensatory damages reimburse the plaintiff for actual expenses and are offered in nearly every personal injury claim. Punitive damages penalize wrongdoers and prevent future similar actions. When seeking compensation, it is important to include not just the losses that have occurred in the past, such as medical bills and lost wages, but also estimated future losses and expenses. This includes prescription drugs, future surgeries and any other costs that are not anticipated. It is crucial to think about the consequences of your injury to your quality-of-life. For instance, if can no longer play with your children or participate in other activities you normally do, it is important to account for those losses. The most straightforward way to determine past losses is by simply adding up the amount you've spent and the earnings you've missed. However, to calculate future medical bills and lower earning potential, you'll require an official note from your doctor stating the length of time you will be unable to work and your typical hourly rate. You can then divide the number of days between the date of your maximum medical improvement and the date of your expected return to work, using this daily rate, to calculate estimated lost income. In addition, if the accident has damaged your relationships with your family members, you could be eligible to receive compensation for the loss of companionship or “loss of consortium.” This type of compensation is intended to alleviate the emotional stress caused by the effect an injury has on your relationship with your spouse and other loved ones. It's hard to put a price on suffering and pain, but you deserve full and fair compensation for your injuries. This type of compensation is usually based on a judge's or jury's judgment rather than evidence. Your attorney can explain this in detail and help determine the amount of damages you deserve.