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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. You may be overwhelmed by the effects of your injuries, from medical bills and income loss to suffering and pain. Some costs are easy to calculate, like your medical expenses or time off work. Some costs are subjective, like your pain and suffering. Lost wages The loss of income resulting from injuries can be catastrophic. Many families rely on their earnings to cover basic living expenses such as rent or mortgage payments and food expenses. In New York, injured workers might be capable of filing a personal injury claim against the driver at fault to seek the cost of lost wages. However the claim's success depends on the evidence that the injury was the cause of the loss of wages and that it was directly related to the crash. To determine your lost wages, first determine your average weekly wage (AWW), which is the amount that you earned prior to your injury. This can be done by looking at past pay stubs. A lawyer can help you gather the appropriate documents to prove your claim. Include both wages when you have more than one employer or multiple sources of income. It is also helpful to include any additional financial benefits you're receiving, such as bonuses as well as health insurance or retirement contributions. Depending on the nature of your injury, you could be not able to return to work at all or only be able to return to an unassailable level. If you find yourself in this situation the insurance company will have to provide you with temporary benefits, like weekly fixed payments that is based upon the percentage of your average weekly income. You might also be entitled to reimbursement for the time you worked off (PTO) which you utilized while you were recovering from your injuries. The value of PTO typically equals one day's salary. When calculating your lost wage it is important to consider any costs related to work that you have incurred. This can include any transportation, meals, or equipment needed for your recovery. Workers' compensation does not cover future earnings. If your injury hinders you from working in the exact same field or earning the same wage you earn, you can seek compensation under an additional claim known as “lost earnings capacity.” You will need to provide evidence that your accident has affected your ability to pursue your desired career path. Medical bills Many people are shocked by the cost of a hospital stay, especially if it is an emergency room visit. The cost of outpatient treatment can also be very high. This is due to the fact that the medical profession is a business and doctors have to cover their expenses in order to make a profit. They are therefore entitled to place a lien against your personal injury settlement to recover the amount that they have been assessed. You Tube are deemed to be part of the claim for compensation for injuries caused by the negligent actions of another. In the majority of cases, the at-fault person and their insurance company will pay the medical expenses. The responsibility lies with you to pay these medical expenses while the case is pending. When your personal injury protection (PIP) which has the limit of $8,000 or $2200 is exhausted, you are able to take advantage of the remainder of your health insurance policy to cover your medical expenses. It is important to have your health insurance details on file at the medical provider to allow them to send these bills to them. You should also ensure whether the medical professionals who treated you are authorized to treat you by the Workers' Compensation Board. If they aren't you'll be accountable for paying the bills when you receive your personal settlement for injury. It is also important to inform your accident lawyer about all the doctors, physical therapists and other medical professionals you've visited. Your lawyer may be unaware of them and may not be able collect the amounts owed from your settlement. An injury lawsuit can assist you in recovering from the emotional and physical trauma that you have suffered as a result the negligence of other people. You can get compensation for your injuries or the death of someone you love in the event that you can prove that negligence of the other party caused it. This includes medical bills, lost wages, and other damages that are not economic, such as discomfort and pain. Pain and suffering It is difficult for pain and suffering to quantify in dollars. This is because they are not economic damages like medical expenses or loss of income. It is essential to find an attorney who can to explain to jurors how your injury affected your life. Evidence such as photographs, witness testimony, and copies of your medical records could help. Explaining to the jury that your injury has affected your life and prevented you from participating in other activities could have a significant impact. Your lawyer can use one of two methods for calculating your suffering and pain and suffering, which is the Multiplier method or the Per Diem method. The Multiplier method takes all your monetary damages and then multiplies that amount by a value between one and five, based on the severity of your injuries. The Per Diem method assigns a specific dollar amount for each day you were injured and multiplies the amount by the total days it will take you to recover fully. These are only two of the many factors that your lawyer will take into consideration to determine a fair settlement figure for your pain and suffering. The pain and suffering of a person is not something that can be measured by a computer or an algorithm and an injury case involving a person requires careful consideration of the particular elements that impact the individual victim's circumstance. You should also consider your emotional stress, mental discomfort and physical pain. This includes feelings like grief, depression, fear and anxiety as well as shock. Mental pain that is severe can include PTSD, or post-traumatic stress disorder. A psychologist or other expert can testify about your injury and how it has affected you. This can be done through written reports or in person testimony. The more information you can provide the more your attorney will be able to help you obtain a greater amount of compensation for your pain and discomfort. Although the majority of personal injury cases involve accidents, you may also bring a lawsuit against someone who deliberately harmed you. This type of negligence claim is described as a civil tort. While these kinds of claims aren't common however, there are a variety of civil torts that can be filed, including medical malpractice, wrongful death dog bite injuries and defamation lawsuits. Damages Following an accident, a financial award can assist someone in getting back on their feet. It can also compensate for other intangible losses, such as pain and suffering. Damages are typically paid through an insurance settlement or by a judge or jury if the case is in the court. In general there are two kinds of damages: compensatory and punitive. Compensatory damages pay the plaintiff for actual costs and are available in nearly every personal injury claim. Punitive damages are used to punish criminals and deter future similar behavior. When seeking compensation, it is essential to include not just 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 medications as well as future surgeries and unexpected expenses. It is also essential to take into consideration how the injury has impacted your life quality. It is essential to consider the losses you suffer if, for example you are unable to play with your kids or do other activities that you love. The easiest way to calculate past losses is simply adding up the amount you've spent and the wages you've missed. To calculate the future medical expenses and earnings potential that are less you'll need a doctor's letter indicating how long you will be off work and your hourly rate. You can then divide the number days between the date of your greatest medical improvement and the expected return to work, using this daily rate, to calculate the estimated loss in income. 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 is difficult to quantify, but you are entitled to fair compensation. In most cases, this category of damages will be determined on a judge or jury's judgment rather than on hard evidence. Your attorney can explain this in more depth and help you decide the amount of damages you deserve for your injury.