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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can alter your life. From medical bills and lost wages to suffering and pain you may be overwhelmed by the impact of your injuries. Some costs, such as your medical expenses or lost wages, are straightforward to estimate. Other costs are more subjective, such as your suffering and pain. Loss of wages Accidents that result in a loss of income 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 can file a personal injuries claim against the driver at the fault in order to obtain compensation for their lost wages. A successful claim requires evidence that the injury was 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 before your injury. This can be accomplished by looking over your old pay stubs. A lawyer can help you gather the appropriate documents to support your claim. If you have more than one employer or have several sources of income, it is important to include both salaries in your AWW calculation. Include any financial benefits you receive, such as retirement and health insurance, or bonuses. It is possible that you will not be able to return to work or might only be able to do so in a reduced capacity, depending on the nature of your injury. If you're in this circumstance, the insurance company will need to provide you with temporary benefits, such as a weekly fixed payment that is based on a percentage of your average weekly income. You may be eligible for reimbursement of your paid time off (PTO), which you utilized in your recovery from your injury. The value of PTO is generally thought to be the equivalent of one day's salary. When you calculate your lost wage it is important to consider the work-related expenses you've incurred. This could include transportation, meals, or equipment needed for your recovery. While workers' compensation can provide you with the medical care and compensation for your current missed wages, it doesn't provide for future earnings. If your injury stops you from working in the same field or earning the same wage, you can request compensation for future losses through an additional process known as “lost earning capacity.” In order to be able to prove this claim, you will need to present evidence of the impact your accident has had on your ability to pursue a specific career route. Medical bills Many people experience sticker shock when they see the costs of an hospital visit, particularly an emergency room trip. The cost of outpatient care can be high. It is because medical practices are for profit and doctors must pay their expenses in order to earn a profit. As Green Bay injury attorney are entitled to put a lien on your personal injury settlement or award to recover the amount they were charged. Medical bills are considered to be part of the claim for compensation for injuries caused by the negligent actions of another. In the majority of cases, the person who is at fault and their insurance company pay the medical bills. However, in the event of a delay of a car accident case it is your obligation to pay for medical expenses. When your personal injury protection (PIP) which has a limit of $8,000 or $2200 is exhausted, you are able to make use of the remaining health insurance policy to cover your medical expenses. However, it is very important to have your health insurance's contact information in the file of your medical provider to ensure that these bills get sent to them for payment. Additionally, you must make sure that any of the medical professionals you've been seeing are licensed by the Workers' Compensation Board to treat injured workers. If they're not, you'll be held accountable for the expenses should you ever receive a personal injury settlement. It is also important to inform your attorney about all the doctors' offices, physical therapists' and other medical professionals you've seen. Your lawyer may not be aware of them and might not be able to collect the amount due from your settlement. An injury lawsuit can help you recover from the physical and emotional trauma you've suffered due to the negligence of other people. In the event that you can prove that another person's negligence was the cause of your serious injuries or the loss of a loved one you could seek damages to pay for medical bills, lost wages and non-economic losses like suffering and pain. Pain and suffering Pain and suffering are difficult to quantify in dollar terms. This is because they aren't economic damages like medical expenses or income loss. It is crucial to choose an attorney who is able to explain to a juror how your injury affected you. Evidence like witness testimony, copies of your medical records and photos can be helpful. However, explaining to the jury how your injury impacted your lifestyle and caused you to be unable to enjoy activities and hobbies can be a major factor. Your lawyer can employ either the Multiplier or Per Diem method to calculate your suffering, pain, and damages. The Multiplier method takes all the damages you have incurred and multiplies that number by a value between one and five, depending on the severity of your injuries. The Per Diem method assigns a specific amount of money to each day that you suffered an injury and then multiplies that number by the total days that it will take to fully recover. Your lawyer will take into account many factors to determine the right 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 in a unique. You should also consider your mental stress, emotional discomfort and physical pain. This includes emotions like depression, grief and anxiety. Mental pain that is severe can include PTSD or post-traumatic stress disorder. The best method to prove the loss of enjoyment of life is to have a qualified expert such as a psychologist, testify about how the injury has affected you. This can be done through written reports or face-to-face testimony. The more details that you have the better chance it is that your attorney will be able to get you a larger amount of compensation for your suffering and pain. You can sue someone who has intentionally injured you, even if the majority of personal injury cases are caused by accidents. This type of negligence claim is known as a civil tort. Civil torts are not uncommon, even though these claims 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 may also be used to compensate for other intangible losses, such as suffering and pain. Damages are usually paid by an insurance settlement or jurors or judges if the case is in the court. In general there are two types of damages: compensatory and punitive. Compensatory damages reimburse the plaintiff for actual costs and are offered in nearly every personal injury case. Punitive damages punish wrongdoers and deter future similar behavior. It is essential to include future costs and expenses when you request compensation. This includes prescription drugs, future surgeries and any other unforeseeable costs. It is important to also consider the consequences of your injury to your quality-of-life. It is important to take into account the loss you experience if, for example you are unable play with your children or participate in other activities you enjoy. Add up your costs and the wages you have missed to make a quick calculation of past losses. However, to estimate future medical bills and lower earning power, you'll need a doctor's note indicating the amount of time you will be unable to work and your typical hourly rate. You can then divide the number of days between the date of your greatest medical improvement and the date of your expected return to work, using this daily rate, to calculate the estimated loss of income. In addition, if your accident has damaged your relationships with your family members, you may be eligible for compensation for the loss of companionship or “loss of consortium.” This type of compensation is designed to ease the emotional pain caused by the effect an injury can have on your relationship with your spouse and other loved ones. It's difficult to determine the value of the pain and suffering that you endure however, you should receive an adequate and fair amount of compensation for your injury. This type of damage is usually determined by the judge's or jury's decision rather than evidence. Your lawyer can explain this in more detail and help you determine the level of damages you're entitled to for your injury.