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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury could alter the how you live your life. From the cost of medical bills and lost wages to pain and suffering, you may feel overwhelmed by the effects of your injuries. Certain costs, like your medical costs or lost wages are simple to estimate. Others are more subjective, like your suffering and pain. Loss of wages Injuries that cause loss of income could be devastating. Many households depend on wages to cover basic expenses, including mortgage or rent payments, food and utilities. In New York, injured workers could be able to file a personal injury lawsuit against the at-fault driver to seek the cost of lost wages. A successful claim will require evidence that the injury is the cause of the wage loss, and that it is directly connected to the accident. The first step to calculate your lost wages is to calculate the average weekly wage (AWW) that you earned prior to your injury. This can be accomplished by looking over your old pay stubs. A lawyer can help find the right documents to prove your claim. If you work for more than one employer or have multiple sources of income, it is essential to include both your salaries in your AWW calculation. It is also important to include any financial benefits you are entitled to, like retirement benefits, health insurance, or bonuses. You may not be capable of returning to work or might be able return in a lesser capacity, depending on the nature of the injury. If you're in this circumstance the insurance company has to provide you with temporary benefits, for example, weekly fixed payments that is based on a percentage of your weekly earnings. You may be eligible for reimbursement of your paid time off (PTO), which you utilized in your recovery from your injury. Passaic injury attorneys of PTO generally is equal to one day's wage. Another aspect that must be taken into account when making a calculation of your lost wages is the cost of any work-related expenses you incurred. This includes any travel, meals, or equipment needed for your recovery. While workers' compensation provides you with the required medical care and compensation for your current missed wages, it does not cover future lost earnings. If your injury prohibits you from working in the same field or at the same pay, you can request compensation for future losses through a separate process called “lost earning capacity.” To be able to prove this claim, you must to prove the impact your injury has had on your ability to pursue a specific career path. Medical bills Many people are shocked by the cost of a hospital stay particularly if it's an emergency room visit. Outpatient treatment can be expensive. This is because medicine is a for-profit business and the doctors must cover their costs and make profit. They therefore have the right to place a lien against your personal injury settlement in order to recover the amount that they have been charged. Medical bills are deemed to be part of the claim for compensation for injuries caused by the negligent actions of another. In most cases, the person who is at fault and their insurance company reimburse the medical bills. In the case of a car accident case it is your responsibility to pay these medical bills. After your personal injury coverage (PIP) has reached its $8,000 or $2,200 limit you can apply your health insurance plan to pay the rest of your medical expenses. It is crucial to have your health insurance information on your medical provider's records to allow them to pay these bills directly to them. You should also ensure whether the medical professionals who treated you are licensed to do so by the Workers' Compensation Board. If they aren't then you'll be responsible for paying the bills once you receive the personal settlement for your injury. It is also important to make sure that you inform your attorney about all the doctors' offices, physical therapists' and other medical providers you have visited. Your lawyer might not be aware of them and may not be able collect the amount due from your settlement. An injury lawsuit may help you recover from the emotional and physical trauma you've experienced as a result the negligence of others. In the event that you can prove that another person's negligence caused of your serious injuries or the loss of a loved one you may seek damages to compensate for lost wages, medical bills and other losses that are not economic, such as pain and suffering. Suffering and pain It is difficult for pain and suffering to quantify in dollar terms. This is because they aren't economic damages, like medical bills or loss of income. It is important to hire an attorney who is able to explain to jurors how your injuries affected your life. Having evidence such as photographs, witness testimony, and copies of your medical records may aid. Explaining to the jury the way your injury has impacted your life and prevented you from engaging in hobbies and other activities can be a significant factor. Your lawyer can employ either the Multiplier or Per Diem method to calculate your suffering, pain and damages. The Multiplier method takes your monetary damages and then multiplies them by a number ranging from one to five, dependent on the severity of your injury. The Per Diem method assigns an amount of money for each day you were injured, and multiplies this number by the number days required to recover fully. These are just two of the many elements that your lawyer will take into consideration to determine the most fair amount of settlement for your pain and suffering. Computers and algorithms are unable to measure the intensity of pain or suffering, therefore every case has to be assessed individually. In addition to evaluating the actual physical pain, mental anguish and emotional distress should be considered. This includes emotions such as grief, depression, fear, anxiety and shock. Post-traumatic stress disorder (PTSD) is a serious mental condition that can cause severe mental pain. A psychologist or other expert can testify about your injuries and how it has affected your life. This can be done through written reports or through face-toface testimony. The more information you have the better chance it is that your attorney will be able to secure you a higher compensation award for your pain and suffering. You may sue someone who intentionally injured you, even if the majority of personal injury cases are caused by accidents. This kind of negligence claim is called a civil tort. Civil torts are not uncommon, even though these claims are not common. They include wrongful death, medical negligence, dog bite injuries and defamation suits. Damages Following an accident, a monetary award can aid someone to get back on their feet. It can also compensate for more intangible losses like suffering and pain. Damages are usually paid by an insurance settlement or by the judge or jury if the case is in court. Generally there are two kinds of damages: punitive and compensatory. Compensatory damages compensate the plaintiff for their actual costs. They are offered in almost every personal injury claim. Punitive damages penalize the offender and discourage similar conduct in the future. When seeking compensation, it is important to include not just the losses that have occurred in the past, such as medical bills and lost wages, but also estimates of future losses and expenses. This includes prescription drugs, future surgeries and any other costs that are not anticipated. It is also important to take into account the impact of your injury on your quality-of-life. For instance, if cannot play with your children or participate in other activities you usually take part in, it is essential to consider the loss. Add up your costs and the wages you have missed to calculate a straightforward calculation of past losses. To estimate future medical costs 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 average hourly rate. You can then divide the number days between the date of your greatest medical improvement and the expected return to work, using this daily rate, to calculate the estimated loss of income. You could 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 family members. Pain and suffering are difficult to quantify, but you deserve fair compensation. This category of damages is usually determined by the judge's or jury's judgement rather than evidence. Your attorney can explain this in greater detail and help you determine the amount of damages you deserve for your injury.