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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can alter your life. You may be overwhelmed by the effects of your injuries, from medical bills and income loss to suffering and pain. Certain costs are simple to calculate, like your medical expenses or time off work. Certain costs are subjective, like your pain and suffering. Lost wages Accidents that result in a loss of income can be devastating. Many households rely on wages for basic living expenses, such as mortgage or rent payments, groceries and utility bills. In New York, injured workers can file a personal injuries claim against the driver at fault to recover the lost wages. However the claim's success depends on proof that the injury was the cause of the loss in wages and it was proximately related to the accident. The first step in calculating your lost wages is to calculate the average weekly wage (AWW) that you earned before your accident. This can be done by looking through your pay receipts. An attorney can help collect the necessary documents to support your claim. Include both wages if you have more than one employer or have multiple sources of income. It is also beneficial to include any other financial benefits you're receiving such as bonuses as well as health insurance or retirement contributions. Depending on the nature of your injury, you might be not able to return to work or can only return to an unassailable level. If you're in this circumstance, your insurance company may require you to pay temporary benefits like a weekly fixed payment based on a certain percentage of your wage. You may be eligible for reimbursement for your paid time off (PTO) that you took while you were recovering from your injuries. The value of PTO is generally considered to be equal to the equivalent of one day's wages. When you calculate your lost wage take into account any costs related to work that you have incurred. This could include the cost of transportation, meals, or equipment necessary for your recovery. While workers' compensation can provide you with the medical treatment and compensation for your current missed wages, it cannot cover future lost earnings. If your injury prevents you from working in the same field or earning the same wage you can seek compensation for future losses via a separate process called “lost earning capacity.” To be able to prove this claim, you must to prove the impact that your accident has had on your capacity to pursue a particular career direction. Medical bills Many people experience sticker shock when they look at the cost of an hospital visit, particularly an emergency room visit. Outpatient treatments can be costly. This is due to the fact that medicine is for-profit and doctors must cover their expenses in order to earn profits. As a result they are entitled to put a lien on your personal injury settlement or award to recover the amount they were paid. Medical expenses are part of the compensation claim for injuries resulting from negligence. They are usually reimbursed by the party at fault and their insurance company. The responsibility lies with you to pay these medical charges during the time that the case is pending. Once your personal injury protection (PIP) has exhausted its limit of $8,000 or $2,200 you can apply your health insurance to pay the remainder of your medical expenses. It is crucial to have your health insurance details on your medical provider's records in order to be able to send them the bills. You should also ensure whether the medical professionals who treated you are licensed to do so by the Workers' Compensation Board. If they're not, you'll be responsible for paying the bills once you receive the personal injury settlement. It is also essential to ensure that you inform your attorney regarding all the doctor's offices, physical therapists' and other medical professionals you've been to. Your lawyer might not be aware about them and they might not be able to get the money owed from your settlement. While there is no way to fully make up for the emotional and physical trauma you've experienced due to the negligence of someone else or another, a lawsuit for injuries can be a great help. By proving that the other 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 losses that are not economic, such as pain and suffering. Suffering and pain Unlike economic damages, such as medical bills and loss of income it is difficult to put a dollar value on suffering and pain. This is why it is important to have a skilled attorney who can explain to a jury how your injury has affected your life. Evidence such as photos, witness testimony and copies of your medical records could help. The jury should be able to understand that your injury has affected your lifestyle and prevented your from engaging in hobbies and other activities can be a significant factor. Your lawyer can use one of two standard methods to determine your suffering and pain that is the Multiplier method or the Per Diem method. The Multiplier method adds up all your monetary damages and then multiplies that amount by a number between one and five, depending on the severity of your injuries. The Per Diem method assigns an amount of money to each day you're injured, and then multiplies that amount by the number of days it will take to recover fully. These are just two of the many elements that your attorney will consider to determine the most fair amount of settlement for your pain and suffering. The pain and suffering of a person is not something that can be analyzed using a computer or algorithm, so a personal injury case requires a careful evaluation of the specific circumstances that impact each victim's situation. You should also consider your emotional stress, mental suffering and physical pain. This includes emotions such as fear, depression, grief and anxiety, as well as shock. Post-traumatic stress disorder (PTSD) is a severe mental condition that can cause severe mental pain. A psychologist or another expert can testify about your injury and how it has affected you. This can be done through written reports or face-to-face testimony. The more details that you have, the more likely it is that your lawyer will be able to secure you a larger amount of compensation for your pain and suffering. Although the majority of personal injury cases involve accidents, you may also pursue an action against someone who deliberately harmed you. This kind of negligence claim is described as a civil tort. While these kinds of claims aren't common, there are many types of civil torts that can be filed, including medical malpractice, wrongful deaths dog bite injuries and defamation lawsuits. Damages A sum of money awarded to a person as compensation for an injury could help them get back on their feet following an accident. It can also compensate for other intangible losses, such as suffering and pain. Typically the damage is paid by the defendant as an insurance settlement or by a jury or judge in a court case. Generally there are two types of damages: punitive and compensatory. Compensation damages are those that reimburse the plaintiff for their actual costs. They are available in nearly every personal injury case. Punitive damages punish the wrongdoer and prevent similar actions in the future. It is crucial to include future costs and expenses when requesting compensation. This includes prescription drugs, future surgeries and any other costs that are not anticipated. Alexandria injury lawyers You Tube is also important to take into account the impact of your injury on your quality-of-life. For instance, if you can no longer play with your kids or take part 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 by simply adding up the amount you've paid and the wages you've missed. To estimate future medical costs and reduced earning potential You'll need an official letter from your doctor stating how long you'll be absent from work and the average hourly rate. Then, you'll be able to divide the number of days between your date of maximum medical improvement and the date you're scheduled to resume work by the daily rate to calculate estimated lost earnings. You could also be entitled to compensation for “loss or consortium” when your injury has caused emotional distress in your relationship with your spouse or other family members. It is difficult to quantify, but you should be able to claim fair compensation. This type of compensation is usually determined by the judge's or jury's judgment rather than hard evidence. Your attorney can explain this in more detail and help you determine the amount of damages you're entitled to for your injury.