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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. You may be overwhelmed by the effects of your injuries, ranging from medical bills and income loss to suffering and pain. Certain costs are simple to calculate, such as your medical expenses or missed work. Certain costs are subjective, like your suffering and pain. Lost wages Loss of income due to injury can be catastrophic. Many households rely on wages to cover basic expenses, such as mortgage or rent payments, groceries and utility bills. In New York, injured workers are able to file a personal injury claim against the driver at the fault to receive compensation for their lost wages. A successful claim requires proof that the injury was the reason of the wage loss, and that it is directly linked to the accident. To determine your lost wages, you need to determine your average weekly wage (AWW), which is the amount of money that you earned prior to your injury. This can be done by looking over your previous pay statements. YouTube can help collect the necessary documents to support your claim. Include both salaries when you have more than one employer or have multiple sources of income. It is also helpful to include any additional financial benefits you receive such as bonuses as well as health insurance or retirement contributions. You may not be in a position to return to work or might only be able to perform the job in a limited capacity, depending on the nature of the injury. If you find yourself in this circumstance, your insurance company may be required to provide temporary benefits, such as a weekly fixed payment which is based on a percentage of your income. You may also be entitled to reimbursement for the paid time off (PTO) that you took while you were recovering from your injuries. The value of PTO is generally thought to be the equivalent of a day's wage. When calculating your lost wages take into account the work-related expenses you've incurred. This could include the cost of any transportation, meals or equipment required to help you recover. Workers' compensation is a benefit that provides you with the required medical treatment and compensation for the loss of your current wages, it doesn't guarantee future lost earnings. If your injury prevents your from working in the exact same field or earning the same amount you earn, you are able to apply for compensation by filing an additional claim referred to as “lost earnings capacity.” You will have to prove that your accident has affected your ability to pursue your desired career direction. Medical bills Many people are shocked by the expense of hospitalization especially when it's an emergency room visit. The cost of outpatient care can be high. It is because medical practices are for profit and doctors have to cover their expenses to earn profit. As a result they have the right to levy your personal injury settlement or award to recover the amount they were paid. Medical bills are included in the compensation claim for injuries resulting from negligence. In the majority of cases, the person who is at fault and their insurance company pay the medical bills. In the case of a case involving a car accident, it is your responsibility to pay these medical bills. When your personal injury protection (PIP) which has a limit of $2200 or $8,000 is exhausted, you can take advantage of the remainder of your health insurance policy to cover your medical expenses. However, it is very important to have your health insurance contact information on file with the medical provider to ensure that these bills get sent to them for payment. You should also check whether the medical professionals who have treated you are licensed to treat you by the Workers' Compensation Board. If they aren't, you'll be responsible for paying the bills once you receive your personal injury settlement. You should also tell your lawyer for accidents about all the physical therapists, doctors and other medical professionals you've visited. Your lawyer may not be aware of them and may not be able collect the amount due from your settlement. An injury lawsuit can assist you in recovering from the emotional and physical trauma that you have suffered because of the negligence of other people. You could receive compensation for your injuries, or the loss of someone you love, if you can prove that the other party's negligence caused it. This includes medical bills or lost wages, as well as other damages that are not economic, such as discomfort and pain. Suffering and pain As opposed to the economic damages, such as medical bills and income loss, it is difficult to determine a dollar amount on pain and suffering. It is crucial to choose an attorney who is able to explain to jurors the impact of your injury on your life. Evidence such as photos, witness testimony, and copies of your medical records could aid. The jury should be able to understand the way your injury has impacted your life and prevented you from participating in other activities can be a significant factor. Your lawyer can use either the Multiplier or Per Diem method to calculate your suffering, pain and damages. The Multiplier method is a method of adding up the amount of money you have lost and then multiplies them by a number from one to five, dependent on the severity of your injury. The Per Diem method assigns an amount of money for every day you've been injured, and then multiplies that amount by the number of days you will need to recover fully. Your lawyer will consider a variety of factors to determine the fair settlement amount to compensate you for your discomfort and pain. Computers and algorithms cannot determine the intensity of pain or suffering, therefore each case should be evaluated individually. In addition to assessing the physical pain you are experiencing mental anguish and emotional distress should be considered. This includes emotions such as fear, depression, grief, anxiety and shock. Post-traumatic stress disorder (PTSD) is a serious mental illness that can lead to severe mental pain. A psychologist or another expert can testify about your injury and how it has affected your life. This can be done via written reports and through face-to-face testimony. The more details you provide the better your attorney can help you get a higher compensation for your pain and discomfort. Although the majority of personal injuries involve accidents, you can also file a lawsuit against someone who deliberately harmed you. This type of negligence claim is referred to as a civil tort. Although these types of claims are rare however, there are a variety of civil torts that can be filed for, including medical malpractice, wrongful death dog bite injuries and defamation lawsuits. Damages After an accident, a monetary award can help someone get back on their feet. It could also cover other intangible losses, such as suffering and pain. Damages are typically paid through an insurance settlement, or by jurors or judges when the case is in the court. In general there are two kinds of damages: compensatory and punitive. Compensatory damages reimburse the plaintiff for actual expenses and are available in almost every personal injury case. Punitive damages punish wrongdoers and discourage future similar conduct. It is important to include future costs and expenses when requesting compensation. This includes prescription medication, future surgeries and other unexpected costs. It is also essential to take into consideration how the injury may have affected your life quality. For instance, if you can no longer play with your children or engage in other activities that you normally do, it is important to consider the loss. Add up the expenses and lost wages to make a quick calculation of past losses. To estimate the future medical bills and reduced earning capacity, you'll need an official note from your doctor stating the amount of time you'll be in a position to work and your usual hourly rate. Then, you'll be able to divide the number of days between the date of the maximum improvement in your medical condition and when you are scheduled to return to work by that daily rate to calculate the estimated loss of earnings. You could also be entitled to compensation for “loss or consortium” in the event that your injury has caused emotional stress in your relationship with your spouse or other loved ones. It's hard to determine the value of the pain and suffering that you endure however, you should receive full and fair compensation for the injury. This category of damages is usually based on a judge's or jury's judgement instead of hard evidence. Your lawyer can explain this in greater detail and assist you in determining the amount of compensation you are entitled to for your injuries.