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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change your life. From the cost of medical bills and lost wages to pain and suffering you may be overwhelmed by the consequences of your injuries. Certain costs are simple to calculate, such as your medical expenses or missed work. Certain costs are subjective, like your pain and suffering. Lost wages Accidents that result in a loss of income can be catastrophic. Many families rely on wages to cover basic expenses like mortgage or rent payments, groceries and utilities. In New York, injured workers may be capable of filing a personal injury lawsuit against the driver at fault to recover compensation for lost wages. However the claim's success depends on proof that the injury was the cause of the loss in wages and it was directly connected to the crash. The first step in calculating the loss of your wages is to determine the average weekly wage (AWW) that you earned prior to your injury. This can be accomplished by looking through your previous pay stubs. An attorney can help you gather the required documents to prove your claim. If you work for more than one employer or have several sources of income, it is crucial to include both wages in your AWW calculation. It is also advisable to include any additional financial benefits you are receiving like bonuses, health insurance or retirement contributions. Based on the nature of the injury, you may be not able to return to work or can only return to a reduced capacity. If you are in this scenario, the insurance company has to provide you with temporary benefits, such as a fixed payment each week that is based on a percentage of your average weekly earnings. You could also be entitled to reimbursement of your paid time off (PTO), which you utilized during your recovery from your injury. The value of PTO generally equals one day's wages. When calculating your lost wages take into account any costs related to work that you've incurred. This can include the cost of transportation, meals, or equipment necessary to help you recover. Workers' compensation does not guarantee future earnings. If your injury stops you from working in the exact same field or earning the same amount you earn, you can apply for compensation under an additional claim referred to as “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 hospital visits, especially an emergency room visit. Outpatient treatment can be expensive. This is because medicine is a profit-making business, and doctors must pay for their expenses and turn profit. Therefore, they are entitled to put a lien on your personal injury settlement or award to recover the amount they have been charged. Medical bills are deemed to be part of the claim for compensation for injuries caused by the negligent acts of another. In most cases, the at-fault person and their insurance company will pay the medical bills. In the case of a case involving a car accident, it is your responsibility to pay the medical bills. After your personal injury coverage (PIP) has reached its $8,000 or $2,200 limit, you can use your health insurance plan to pay the rest of your medical expenses. It is essential to keep your health insurance details on your medical provider's records so that they can send these bills to them. You should also check whether the medical professionals who have treated you are authorized to treat you 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 inform your lawyer for accidents about the doctors, physical therapists and other medical professionals who you have visited. Your lawyer might not be aware about them and may not be able to recover the amount owed from your settlement. While there is no way to fully make up for the emotional and physical trauma you've endured as a result of the negligence of another, an injury lawsuit could be helpful. You may be able to claim 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 pain and discomfort. Suffering and pain As opposed to the economic damages, such as medical bills and income loss, it is difficult to place a dollar amount on the pain and suffering. It is essential to find an attorney who is able to explain to a juror the impact of your injury on you. The presence of evidence like photographs, witness testimony, and copies of your medical records can aid. Explaining to the jury that your injury has affected your lifestyle and prevented your from engaging in hobbies and other activities could have a significant impact. Your lawyer may use the Multiplier or Per Diem method to calculate your pain, suffering and damages. The Multiplier method adds up all the damages you have incurred and multiplies the amount by a number between one and five, based on the severity of your injuries. The Per Diem method assigns an amount of money to every day you've been injured, and then multiplies that number by the number days it will take to fully recover. These are only two of the many factors that your attorney will consider to determine the most fair amount of settlement for your pain and suffering. The pain and suffering of a person is not something that can be measured by a computer or an algorithm and an injury case involving a person requires a careful evaluation of the particular circumstances that impact each victim's situation. You should also consider your mental stress, emotional suffering and physical pain. This includes emotions such as depression, anxiety, and grief. Post-traumatic stress disorder (PTSD) is a serious mental disorder that can cause severe mental pain. The best method to prove your loss of enjoyment is to have a trained expert, such as psychologist, testify on how the injury has affected you. This can be done via written reports and through face-to-face testimony. The more details you provide, the better your lawyer can assist you to get a higher compensation for your pain and discomfort. While the majority of personal injury cases involve accidents, you can also bring an action against someone who intentionally harmed you. This kind of negligence claim is called a civil tort. Although these types of claims aren't common but there are a myriad of types of civil torts that may be filed, including medical malpractice, wrongful deaths dog bite injuries and defamation lawsuits. Damages A monetary sum awarded to someone as compensation for their injury can aid them in getting back on their feet following an accident. It may also be used to compensate for more intangible losses like suffering and pain. Damages are typically covered by an insurance settlement or jurors or judges when the case is in court. In general there are two types of damages: punitive and compensatory. Compensatory damages pay the plaintiff for actual expenses and are available in nearly every personal injury case. Punitive damages punish the wrongdoer and prevent similar actions 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 expenses and losses. This includes prescription medication, future surgeries and other unexpected expenses. It is also essential to think about how the injury may have affected your life quality. It is important to consider the consequences you face if, for example you are unable play with your kids or participate in other activities you enjoy. Add up Columbia injury lawyer and lost wages to make a quick calculation of losses in the past. To determine the cost of future medical expenses and earnings potential that are less you'll need the doctor's note indicating the length of time you'll be out of work and the average hourly rate. You can then divide the number 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. You may 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 difficult to determine the value of suffering and pain, but you deserve an adequate and fair amount of compensation for your injuries. This category of damages is usually based on a judge's or jury's decision rather than evidence. Your attorney can explain this in detail and assist you in determining the amount of damages you're entitled to.