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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change the how you live your life. From medical bills and lost wages to suffering and pain you may be overwhelmed by the impact of your injuries. Some costs are easy to calculate, like your medical expenses or missed work. Some costs are subjective, like your suffering and pain. Lost wages Injuries that result in a loss of income could be devastating. Many families rely on their earnings to cover basic living expenses such as mortgage or rent payments, as well as food expenses. In New York, injured workers could be able to file a personal injury claim against the driver at fault to recover compensation for lost wages. However, a successful claim depends on proof that the injury triggered the loss of wages and that it was directly connected to the crash. To calculate your lost wages, you must 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 statements. An attorney can help you collect the necessary documents to support your claim. If you have more than one employer, or have multiple sources of income, it is important to include both salaries in your AWW calculation. Include any financial benefits you are entitled to, like health insurance, retirement contributions, or bonuses. You may not be in a position to return to work, or you might only be able to do so in a reduced capacity, depending on the nature of the injury. If you're in this situation, the insurance company will need to provide you with temporary benefits, such as a weekly fixed payment that is based on a percentage of your average weekly income. You may be eligible for reimbursement for the paid time off (PTO) which you utilized while you were recovering from your injuries. The value of PTO generally equals one day's salary. Another aspect that must be considered when making a calculation of your lost wages is the cost of any work-related expenses you have incurred. This could include transportation or meals needed for your recovery. Workers' compensation is a benefit that provides you with the required medical care and compensation for your current missed wages, it does not guarantee future lost earnings. If your injury prohibits you from working in the same field or earning the same pay, you can request compensation for future losses through an additional process known as “lost earning capacity.” To prove this claim, you'll need to prove the impact that your accident has had on your ability to pursue a particular career direction. Medical bills Many people are shocked by the cost of hospitalization especially when it's an emergency room visit. Outpatient treatment can be expensive. It is because medical practices are for profit and doctors must cover their expenses in order to make profits. In turn, they are entitled to place a lien on your personal injury settlement or award in order to recover the amount they have been billed. Medical expenses are part of the compensation claim for injuries resulting from negligence. They are usually refunded by the party responsible for the accident and their insurance company. You are accountable for paying these medical bills as long as the case is in progress. When 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 policy to cover your medical expenses. However, it is very important that you have your health insurance contact information on file with the medical provider to ensure that these bills are paid to them. Additionally, you must make sure that any of the doctors you've been seeing are licensed by the Workers' Compensation Board to treat injured workers. If they are not, you will be liable for the costs if and when you receive a personal injury settlement. It is also important to inform your lawyer who handled your accident about the physical therapists, doctors and other medical professionals that you have visited. Your lawyer might not be aware of them and may not be able to collect the amount due from your settlement. An injury lawsuit can help you recover from the physical and emotional trauma that you have suffered because of the negligence of other people. If you can prove that the other person's negligence is the cause of your serious injuries or the loss of a loved one you can seek damages to pay for lost wages, medical bills and other losses that are not economic, such as pain and suffering. Suffering and pain Pain and suffering are difficult to quantify in terms of dollars. This is because they aren't economic damages like medical bills or income loss. This is why it's important to have a skilled lawyer who can explain to jurors how your injury has affected you. Evidence like witness testimony, copies of your medical records, and photos are all helpful. Explaining to the jury that your injury has impacted your life and prevented you from engaging in hobbies and other activities can have a significant impact. Your lawyer can use either the Multiplier or Per Diem method to calculate your suffering, pain, and damages. Sioux City injury lawyers adds up the amount of money you have lost, and multiplies it by a number from one to five, depending on your severity of injury. The Per Diem method assigns a specific amount of money to each day that you suffered an injury and then multiplies that number by the total days it will take to reach your full recovery. These are only two of the many elements that your lawyer will take into consideration to determine the most fair amount of settlement for your pain and suffering. Computers and algorithms are unable to determine the intensity of pain or suffering, therefore each case must be evaluated each case individually. It is also important to consider your mental stress, emotional suffering and physical pain. This includes feelings like grief, depression, fear and anxiety as well as shock. Post-traumatic stress disorder (PTSD) is a serious mental condition that can cause severe mental pain. A psychologist or any other expert can testify to the severity of your injury and how it has affected you. This can be done through written reports or face-to-face testimony. The more details you have the better chance it is that your attorney can get you a greater amount of compensation for your suffering and pain. You can sue someone who has intentionally injured you, even if the majority of personal injury cases involve accidents. This type of negligence claim is described as a civil tort. Civil torts are not uncommon however, they are uncommon. They include medical negligence, wrongful death as well as dog bite injuries. defamation suits. Damages After an accident, a financial award can help someone get back on their feet. It can also compensate for more intangible losses such as suffering and pain. Typically the damages are paid by the defendant in an insurance settlement or by the judge or jury in a court case. In general there are two types of damages: compensatory and punitive. Compensatory damages reimburse the plaintiff for actual expenses and are available in almost every personal injury case. Punitive damages penalize wrongdoers and prevent future similar actions. It is important to include future costs and expenses when requesting compensation. This includes prescription medications, future surgeries, and any other unforeseeable costs. It is also crucial to consider how the injury has impacted your life quality. For instance, if you cannot play with your kids or take part in other activities that you normally do, it is crucial to account for those losses. Add up your costs and the wages you have missed to make a quick calculation of past losses. However, to calculate future medical bills and lower earning potential, you'll require an official note from your doctor stating the amount of time you'll be not able to work and the usual hourly rate. Then, you'll be able to divide the number of days between your date of maximum medical improvement and when you are expected to resume work by the rate you earn daily to calculate the estimated loss of earnings. You may also be entitled to compensation for “loss or consortium” when your accident has caused emotional anxiety in your relationship with your spouse or other loved ones. It's difficult to put a price on suffering and pain, but you deserve full and fair compensation for your injuries. Often, this category of damages will be determined on a judge or jury's decision, not on actual evidence. Your attorney can explain this in more detail and help you determine the amount of compensation you are entitled to for your injuries.