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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury could alter the way you live. From the cost of 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. Certain costs are subjective like your pain and suffering. Loss of wages Accidents that result in a loss of income can be catastrophic. Many families rely on their wages to cover essential expenses like mortgage or rent payments, as well as food expenses. In New York, injured workers may be eligible to file an injury claim against the driver who caused the accident to claim the cost of lost wages. However the claim's success depends on the proof that the injury triggered the loss of wages and that it was directly related to the crash. To determine your lost wages, you must first determine your average weekly wage (AWW), which is the amount that you earned prior to your accident. This can be accomplished by looking through your previous pay receipts. An attorney can help gather the required documents to prove your claim. Include both your salaries when you have more than one employer, or multiple sources of income. It is also helpful to include any other financial benefits you're receiving like bonuses and health insurance, as well as retirement contributions. It is possible that you will not be able to return to your job or you may only be able to perform the job in a limited capacity, based on the severity of the injury. If you find yourself in this circumstance, your insurance company may require you to pay temporary benefits, such as an annual fixed payment that is which is based on a percentage of your wage. You could also be entitled to a reimbursement of your paid time off (PTO) which you used during your recovery from your injury. The value of PTO typically equals one day's salary. When you calculate your lost wage take into account the work-related expenses you have paid for. This can include the cost of any transportation, meals, or equipment needed to help you recover. Workers' compensation will not provide future earnings. If your injury stops you from working in the exact same field or earning the same amount you earn, you may claim compensation by filing an additional claim referred to as “lost earnings capacity.” You will have to prove that the accident has affected your ability to pursue your desired career direction. Medical bills Many people are shocked by the expense of hospitalization particularly if it's an emergency room visit. Outpatient treatments can be costly. This is due to the fact that medical practices are for profit and doctors must pay their expenses in order to make profit. They are therefore entitled to put a lien on your personal injury settlement in order to recover the amount that they have been charged. Medical expenses are part of the compensation claim for injuries caused by negligence. They are usually reimbursed by the party at fault and their insurance company. You are responsible for paying these medical bills as long as the case is in progress. When your personal injury protection (PIP) that has the limit of $8,000 or $2200 is exhausted, you can make use of the remaining health insurance coverage to pay your medical expenses. It is crucial to have your health insurance information on your medical provider's records to allow them to send these bills to them. Additionally, you must ensure that any of the medical professionals you've been seeing are licensed by the Workers' Compensation Board to treat injured workers. If they're not, you'll be liable for the costs should you ever receive a personal injury settlement. You should also inform your lawyer who handled your accident about the physical therapists, doctors and other medical professionals who you have visited. Your lawyer may not be aware of them and may not be able collect the amounts owed from your settlement. While there is no way to fully compensate for the emotional and physical trauma you've endured because of the negligence of another, an injury lawsuit 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 could seek damages to pay for medical bills, lost wages and other non-economic losses such as suffering and pain. Pain and suffering In contrast to economic damages, such as medical bills and income loss, it is difficult to determine a dollar amount on suffering and pain. This is why it is crucial to have a competent attorney who can explain to a jury how your injury has affected you. The presence of evidence like photos, witness testimony, and copies of your medical records may assist. Informing the jury that your injury has impacted your lifestyle and prevented your from participating in other activities could have a significant impact. Your lawyer can employ either the Multiplier or Per Diem method to calculate your suffering, pain and damages. The Multiplier method takes all your monetary damages and multiplies that number by a value between one and five, depending on the severity of your injuries. The Per Diem method assigns an amount of money for each day you're injured, and then multiply this number by the number of days it will take to recover fully. Your lawyer will take into account many factors to determine the fair settlement amount for your discomfort and pain. Computers and algorithms are unable to calculate pain or suffering, which is why each case should be evaluated each case individually. You must also take into consideration your mental anguish, emotional discomfort and physical pain. This includes emotions such as depression, grief and anxiety. Post-traumatic stress disorder (PTSD) is a severe mental disorder that can cause severe mental pain. A psychologist or other expert can testify to the severity of your injury and how it has affected your life. This can be done via written reports or in person testimony. The more information you can provide, the better your attorney will be able to help you obtain a greater amount of compensation for your pain and discomfort. Although the majority of personal injuries involve accidents, you can also file an action against someone who has intentionally hurt you. This kind of negligence claim is referred to as a civil tort. While these kinds of claims are not common however, there are a variety of civil torts that can be filed such as wrongful death, medical malpractice dog bite injuries and defamation lawsuits. Damages Following an accident, a financial award can assist someone in getting back on their feet. It could also cover more intangible losses like suffering and pain. Damages are typically paid through an insurance settlement or jurors or judges when the case is in court. In general, there are two types of damages: compensatory or punitive. Compensation damages are those that reimburse a plaintiff for the actual cost. They are available in almost every personal injury claim. Punitive damages punish wrongdoers and deter future similar behavior. It is important to include future expenses and costs when requesting compensation. This includes prescription medication, future surgeries and other unforeseen costs. It is crucial to consider the impact of your injury on your quality-of-life. It is crucial to consider the losses you suffer when, for instance you are unable play with your children or participate in other activities you love. Add up the expenses and lost wages to make a quick calculation of losses in the past. To estimate future medical costs and the potential for earnings loss you'll need an official letter from your doctor stating how long you'll be out of work and your hourly rate. Then, you can divide the number of days between your date of the maximum improvement in your medical condition and when you are scheduled to return to work by the rate you earn daily to calculate the estimated loss of earnings. Additionally, if the accident has damaged your relationships with your family members, you could be eligible for compensation for the loss of companionship, or “loss of consortium.” You Tube of compensation is intended to alleviate the emotional stress caused by the effect an injury has on your relationship with your spouse and other family members. It's hard to quantify the pain and suffering that you endure, but you deserve the full and fair compensation for your injury. Most often, this type of damages will be based on a judge or jury's judgment rather than on hard evidence. Your attorney can explain this in detail and help determine the amount of damages you deserve.