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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury could alter the ways you live your life. From the cost of medical bills and lost wages to suffering and pain, you may feel overwhelmed by the consequences of your injuries. Certain costs are simple to calculate, such as medical expenses or the cost of missing work. Other costs are more subjective, such as your pain and suffering. Loss of wages Loss of income due to injury can be catastrophic. Many households rely on their earnings to cover the essential costs of living, such as mortgage or rent payments as well as groceries. 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. However the claim's success depends on the proof that the injury was the cause of the loss in wages and it was proximately related to the accident. To calculate the 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 accomplished by looking at your past pay receipts. An attorney can help you collect the necessary documents to support your claim. Include both your salaries if you have more than one employer, or have multiple sources of income. It is also important to include any financial benefits that you receive, such as health insurance, retirement contributions or bonuses. Depending on the severity of your injury, you could be in a position to not return to work in any way or be able to return at the job at a lower level. If you are in this circumstance the insurance company will have to provide you with temporary benefits, like a weekly fixed payment which is based on the percentage of your average weekly earnings. You may also be entitled to reimbursement of your paid time off (PTO) which you took advantage of during your recovery from your injury. The value of PTO typically equals one day's wages. When you calculate your lost wage take into account any work-related costs that you've to pay. This can include any transportation or meals needed for your recovery. Workers' compensation doesn't provide future earnings. If your injury prohibits you from working in the same field or earning the same pay, you can request compensation for future losses using a separate process called “lost earning capacity.” To prove this claim, you must to prove the impact your accident has had on your capacity to pursue a specific career path. Medical bills Many people are shocked by the cost of a hospital stay especially when it's an emergency room visit. The cost of treatment for outpatients can be quite expensive. This is because medicine is a for-profit business, and doctors must cover their expenses and earn profits. They therefore have the right to put a lien on your personal injury settlement to collect the amount they've been assessed. Medical bills are deemed to be a part of the claim to compensation for injuries caused by the negligence of another. In the majority of instances, the person at fault and their insurance company reimburse these medical bills. You are accountable for paying these medical expenses as long as the case is in progress. After your personal injury coverage (PIP) has reached the limit of $2,200 or $8,000 You can then use your health insurance to pay the rest of your medical expenses. However, it is important that you have your health insurance's contact information on file with your medical provider to ensure that the bills are sent to them for payment. Additionally, you must ensure that any of the medical professionals you've been seeing are authorized by the Workers' Compensation Board to treat injured workers. If they're not then you'll be responsible for the cost of treatment when you receive the personal settlement for injury. It is also essential to inform your attorney about all the doctors' offices, physical therapists and other medical professionals you've visited. Your lawyer might not be aware about them and they might not be able to recover the amount due from your settlement. An injury lawsuit may aid you in recovering from the emotional and physical trauma that you have suffered due to the negligence of other people. If you can prove that the other person's negligence caused of your serious injuries or the death of a loved ones, you can seek damages to pay for lost wages, medical bills and other losses that are not economic, such as pain and suffering. Pain and suffering The effects of suffering and pain are difficult to quantify in terms of dollars. This is because they are not economic damages, like medical bills or income loss. This is why it is essential to hire a skilled attorney who can show a jury how your injury has affected your life. Having evidence such as 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 engaging in hobbies and other activities could have a significant impact. Your lawyer can use either the Multiplier or Per Diem method to calculate your pain, suffering and damages. 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 each day you were injured, and then multiplies that number by the number days required to recover fully. These are just two of the many aspects that your lawyer will consider to determine the most fair amount of settlement for your pain and suffering. Computers and algorithms cannot calculate the intensity of pain or suffering, therefore each case should be evaluated each case individually. In addition to assessing your actual physical pain mental anguish and emotional distress should be considered. This includes feelings like grief, depression and anxiety. Post-traumatic stress disorder (PTSD) is a serious mental illness that can lead to severe mental pain. A psychologist or any other expert can testify about your injuries and how it has affected you. This can be done via written reports or face-to-face testimony. The more details that you can provide the better chance it is that your attorney will be able to secure you a higher compensation award for your suffering and pain. You can sue someone who has 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. Civil torts are not unheard of even though they are not common. They include medical negligence, wrongful deaths, dog bite injuries and defamation suits. Damages Following an accident, a financial award can assist someone in getting back on their feet. It can also compensate for more intangible losses like pain and suffering. Typically the damage is paid by the defendant in an insurance settlement or by a judge or jury in a court case. In general there are two types of damages: punitive and compensatory. Compensation damages compensate the plaintiff for actual expenses and are available in nearly every personal injury case. Bridgeport injury attorney You Tube are used to punish the perpetrator and prevent similar actions in the future. When seeking compensation, it is important to include not only the past losses, like medical bills and lost wages, but also the estimated future expenses and losses. This includes prescription drugs, future surgeries and any other costs that are not anticipated. It is also important to take into consideration how the injury may have affected your quality of life. For example, if you are unable to play with your children or participate in other activities that you normally take part in, it is essential to account for those losses. The easiest way to estimate past losses is by adding up the amount you've spent and the amount you've lost. To determine the cost of future medical expenses and the potential for earnings loss you'll need an official letter from your doctor stating the length of time you'll be off work and your hourly rate. Then, you'll be able to divide the number of days between the date of maximum medical improvement and the date you're expected to return to 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” in the event that your accident has caused emotional anxiety in your relationship with your spouse or other loved ones. Pain and suffering are difficult to quantify, but you should be able to claim fair compensation. This category of damages is usually based on a judge's or jury's decision instead of hard evidence. Your attorney can explain this in more detail and assist you in determining the amount of damages you're entitled to for your injury.