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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change your life. From medical bills and lost wages to suffering and pain you might feel overwhelmed by the impact of your injuries. Certain costs are simple to calculate, such as medical expenses or the cost of missing work. Other costs are more subjective, like your pain and suffering. Lost wages The loss of income resulting from injuries can be devastating. Many households rely on their wages to cover basic living expenses such as mortgage or rent payments as well as food items. In New York, injured workers may be eligible to file a personal injury claim against the driver who caused the accident to seek compensation for lost wages. A successful claim requires proof that the injury was the reason of the wage loss and that it is directly connected 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 over your old pay stubs. An attorney can help you collect the necessary documents to support your claim. Include both your salaries in the event that you have more than one employer, or multiple sources of income. You should also include any financial benefits that you receive, such as retirement and health insurance or bonuses. Depending on the nature of your injury, you could be not able to return to work or can only return to an unassailable level. If you are in this scenario, the insurance company has to provide you with temporary benefits, such as a fixed payment each week that is based on the percentage of your average weekly wage. You may also be entitled to reimbursement of your paid time off (PTO) which you utilized to recover from your injury. The value of PTO typically equals one day's wage. Another factor that needs to be considered when the calculation of your lost wages is the cost of any work-related expenses you have incurred. This includes any travel or meals required for your recovery. Workers' compensation will not cover future earnings. If your injury hinders you from working in the exact same field or earning the same salary you earn, you are able to seek compensation through an additional claim referred to as “lost earnings capacity.” You'll have to prove that your accident has affected your ability to pursue your chosen career path. Medical bills Many people are shocked when they look at the cost of an hospital visit, particularly an emergency room trip. Outpatient treatments can be costly. This is because medicine is a profit-making business, and doctors must pay for their expenses and turn profit. They are therefore entitled to levy a lien on your personal injury settlement to recover the amount they've been assessed. Medical expenses are part of the compensation claim for injuries caused by negligence. They are usually refunded by the party responsible for the accident and their insurance company. The responsibility lies with you to pay these medical bills while the case is pending. When your personal injury protection (PIP) has reached the limit of $2,200 or $8,000 you can apply your health insurance to cover the remainder of your medical expenses. However, it is very important that you have your health insurance's contact information in the file of your medical professional to ensure that the bills are sent to them for payment. It is also important to confirm that the medical professionals who treated you are licensed to treat you by the Workers' Compensation Board. If they're not then you'll be responsible for paying the bills once you receive the personal settlement for your injury. It is also important to inform your lawyer who handled your accident about the doctors, physical therapists and other medical professionals who you have visited. Your lawyer may not know about them and might not be able collect the amounts that are owed from your settlement. While there is no way to fully cover the physical and emotional trauma you have experienced because of the negligence of someone else or another, a lawsuit for injuries can help. You could receive compensation for your injuries or the loss of someone you love in the event that you can prove that the negligent party caused the injury. This includes medical bills or lost wages, as well as non-economic damages like discomfort and pain. Suffering and pain The effects of suffering and pain are difficult to quantify in terms of dollars. This is due to the fact that they are not economic damages, like medical bills or income loss. This is why it's essential to hire a skilled attorney who can explain to the jury how your accident has affected you. The presence of evidence like photos, witness testimony and copies of your medical records can help. Informing the jury that your injury has impacted your life and prevented you from participating in other activities can be a significant factor. Your lawyer can use one of two methods to determine your pain and suffering, which are the Multiplier method or the Per Diem method. The Multiplier method totals up all your monetary damages and then multiplies that amount by a value between one and five, depending on the severity of your injuries. The Per Diem method assigns an amount of money for every day you've been injured, and multiplies this number by the number days it will take to recover fully. Your attorney will take into account many aspects to determine the appropriate settlement amount to compensate you for your discomfort and pain. Computers and algorithms can't calculate pain or suffering, which is why each case must be evaluated individually. In addition to assessing the physical pain you are experiencing mental anguish and emotional distress should be considered. This includes feelings like fear, depression, grief and anxiety, as well as shock. The most severe mental pain could include PTSD or post-traumatic stress disorder. A psychologist or other expert can testify to your injury and how it has affected your life. This can be done through written reports and through face-to-face testimony. The more details you have the greater chance it is that your attorney will be able to get you a larger amount of compensation for your suffering and pain. You may sue someone who intentionally injured you, even if the majority of personal injury cases are caused by accidents. This type of negligence claim is called a civil tort. Civil torts are not uncommon even though they are rare. They include medical negligence, wrongful death, dog bite injuries and defamation suits. Damages After an accident, a monetary award can assist someone in getting back on their feet. It can also compensate more intangible losses such as pain and suffering. Typically the damages are paid by the defendant as an insurance settlement or by the jury or judge in court cases. 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 offered in almost every personal injury case. Punitive damages punish wrongdoers and discourage future similar conduct. When seeking Costa Mesa injury attorney You Tube , it is crucial 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 unexpected costs. It is important to also take into account the effects of your injury on your quality-of-life. It is important to consider the consequences you face when, for instance you are unable play with your kids or participate in other activities you love. The easiest method to calculate past losses is by simply adding up the amount you've spent and the earnings you've missed. To determine the cost of future medical expenses and reduced earning potential You'll need a doctor's letter indicating how long you'll be off work and your hourly rate. Then, you can divide the number of days between your date of greatest medical improvement and the date you're scheduled to return to work by that daily rate to calculate estimated lost earnings. You could also be entitled to compensation for “loss or consortium” in the event that your injury has caused emotional distress in your relationship with your spouse or other loved ones. It's difficult to put a price on suffering and pain, but you deserve an adequate and fair amount of compensation for the injury. In most cases, this category of damages will be based on a jury or judge's judgment rather than on hard evidence. Your lawyer can explain it in detail and help determine the amount of damages you are entitled to.