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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change the way you live your life. You may be overwhelmed by the consequences of your injuries, ranging from the cost of medical bills and loss of income to pain and suffering. Certain costs, such as your medical expenses or lost wages are simple to estimate. Certain costs are subjective, like your suffering and pain. Loss of wages Accidents that result in a loss of income could be devastating. Many households rely on wages to cover basic expenses, such as mortgage or rent payments, groceries and utility bills. In New York, injured workers may be eligible to file a personal injury lawsuit against the at-fault driver to seek compensation for lost wages. Trenton injury lawyers requires proof that the injury was the cause of the wage loss, and that it is directly connected to the accident. The first step in calculating your lost wages is to determine the average weekly wage (AWW) that you earned prior to your injury. This can be accomplished by looking over your old pay receipts. A lawyer can help collect the necessary documents to support your claim. If you work for more than one employer, or have multiple sources of income, it's important to include both salaries in your AWW calculation. It is also beneficial to include any other financial benefits you are receiving, such as bonuses, health insurance or retirement contributions. Depending on the nature of your injury, you might be not able to return to work or can only return to the job at a lower level. If you find yourself in this scenario, your insurance company may require you to pay temporary benefits like weekly fixed payments that is based on a specific percentage of your average wage. You may be eligible for reimbursement for your paid time off (PTO) which you utilized during the time you were recovering from your injuries. The value of PTO is generally considered to be the equivalent of a day's wage. Another factor to be considered when the calculation of your lost wages is the costs of any expenses related to work you incurred. This could include the cost of any transport, meals or other equipment necessary to help you recover. Workers' compensation does not provide future earnings. If your injury prevents your from working in the same field or earning the same amount you earn, you can apply for compensation through a separate claim called “lost earnings capacity.” You'll be required to prove the accident has affected your ability to pursue your chosen career track. Medical bills Many people are shocked when they see the costs of an hospital visit, particularly 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 a profit. They are therefore entitled to put a lien on your personal injury settlement to recover the amount they've been paid. Medical expenses are part of the compensation claim for injuries caused by negligence. They are usually reimbursed by the party responsible for the accident and their insurance company. However, in the event of a delay of a car accident case it is your obligation to pay these medical bills. When your personal injury protection (PIP) that has the limit of $8,000 or $2200 is exhausted, you are able to use the rest of your health insurance coverage to cover your medical expenses. It is crucial to have your health insurance information on the medical provider's file so that they can send these bills to them. It is also important to confirm that the medical providers who treated you are authorized to do so by the Workers' Compensation Board. If they're not, you'll be responsible for paying the bills when you receive your personal settlement for injury. It is also important to inform your lawyer for accidents about the physical therapists, doctors, and other medical providers who you have visited. Your lawyer may not be aware about them, and may not be able to collect the amounts that are due from your settlement. A lawsuit for injury can help you recover from the emotional and physical trauma that you have suffered as a result the negligence of others. In the event that you can prove that another person's negligence is the cause of your serious injuries or the death of a loved one You may seek damages to compensate for lost wages, medical bills and other losses that are not economic, such as suffering and pain. Suffering and pain It is difficult for pain and suffering to quantify in terms of dollars. This is because they aren't economic damages like medical bills or loss of income. It is essential to find an attorney who can to explain to jurors the impact of your injury on your life. The presence of evidence like photos, witness testimony, and copies of your medical records could help. However, explaining to the jury how your injury has affected your life and prevented you from enjoying hobbies and activities can also be a major factor. Your lawyer can use either the Multiplier or Per Diem method to calculate your suffering, pain, and damages. The Multiplier method totals up all the damages you have incurred and then multiplies that amount by a value between one and five, based on the severity of your injuries. The Per Diem method assigns an amount of money to each day you were injured, and multiplies this amount by the number of days it will take to recover fully. These are only two of the many aspects that your lawyer will take into consideration to determine a fair settlement figure for your pain and suffering. Computers and algorithms can't calculate the intensity of pain or suffering, therefore every case has to be assessed in a unique. You should also consider your mental anguish, emotional distress and physical pain. This includes feelings like fear, depression, grief and anxiety, as well as shock. Post-traumatic stress disorder (PTSD) is a serious mental disorder that can cause extreme mental pain. The best way to prove your loss of enjoyment of life is to have a certified expert such as a psychologist, testify about how the injury has affected you. This can be done via written reports or face-to-face testimony. The more information you have the greater chance it is that your attorney will be able to get you a higher compensation award for your pain and suffering. You can sue someone who intentionally injured you, even though the majority of personal injury cases are caused by accidents. 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, including medical malpractice, wrongful death and dog bite injuries and defamation lawsuits. Damages A monetary sum awarded to a person as compensation for an injury could aid them in getting back on their feet after an accident. It can also compensate for more intangible losses like suffering and pain. Typically the damages are paid by the defendant through an insurance settlement or by a jury or judge in a court case. In general there are two types of damages: compensatory or punitive. Compensatory damages reimburse the plaintiff for actual costs and are offered in nearly every personal injury case. Punitive damages are used to punish the perpetrator and discourage similar conduct in the future. It is crucial to include future costs and expenses when requesting compensation. This includes prescription drugs, future surgeries and any other unexpected costs. It is also important to take into account the consequences of your injury to your quality-of-life. It is crucial to take into account the consequences you face in the event that, for instance you are unable play with your kids or participate in other activities you enjoy. The most straightforward way to estimate past losses is by simply adding up the amount you've spent and the wages you've missed. To estimate future medical costs and the potential for earnings loss you'll need a doctor's letter indicating the length of time you'll be off work and the average hourly rate. You can then divide the number of days between the date of your maximum medical improvement and the expected return to work, using this daily rate to calculate the estimated loss in income. In addition, if your incident has affected your relationships with family members, you could be eligible for compensation for the loss of companionship, or “loss of consortium.” This kind of compensation is intended to alleviate the emotional stress caused by the effect an injury can have on your relationship with your spouse and other loved ones. Pain and suffering are difficult to quantify, but you deserve fair compensation. Most often, this type of damages will be determined on a jury's or judge's decision, not on actual evidence. Your lawyer can explain it in detail and help determine the amount of damages you are entitled to.