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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change the how you live 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. Some costs, such as your medical expenses or lost wages, are simple to determine. Others are more subjective, like your pain and suffering. Loss of wages Injuries that result in a loss of income can be catastrophic. Many families rely on their wages to cover basic living expenses such as rent or mortgage payments and groceries. In New York, injured workers can file a personal injuries claim against the driver at the fault in order to obtain compensation for lost wages. However the success of a claim is contingent on the proof that the injury caused the loss of wages and that it was directly connected to the crash. The first step in calculating the loss of your wages is to calculate the average weekly wage (AWW) that you earned before your injury. This can be done by looking over your previous pay statements. An attorney can help you collect the necessary documents to support your claim. Include both wages when you have more than one employer, or multiple sources of income. It is also beneficial to include any additional financial benefits you receive, such as bonuses, health insurance or retirement contributions. Based on the nature of the injury, you may be not able to return to work or only be able to return to an unassailable level. If you're in this circumstance your insurance provider may require you to pay temporary benefits, such as an annual fixed payment that is that is based on a specific percentage of your income. You could be eligible for reimbursement of your paid time off (PTO), which you utilized to recover from your injury. The value of PTO typically equals one day's wages. Another factor that needs to be considered when the calculation of your lost wages is the costs of any expenses related to work you have incurred. This can include the cost of transport, meals or other equipment required for your recovery. While workers' compensation can provide you with the medical care and compensation for your current missed wages, it does not guarantee future lost earnings. If your injury hinders you from working in the exact same field or earning the same amount you earn, you can claim compensation under an additional claim known as “lost earnings capacity.” You'll need to provide evidence that your accident has affected your ability to pursue your career direction. Medical bills Many people are shocked by the expense of a hospital stay, especially if it is an emergency room visit. Outpatient treatments can be costly. It is because the medical profession is a business and doctors must cover their expenses to make profit. In turn, they are entitled to put a lien on your personal injury settlement or award in order to recover the amount they've been billed. Medical bills are considered to be a part of the claim to compensation for injuries caused by the negligent actions of another. In most cases, the person who is at fault and their insurance company will pay the medical bills. The responsibility lies with you to pay these medical expenses as long as the case is in progress. After your personal injury coverage (PIP) has reached its limit of $8,000 or $2,200 You can then use your health insurance plan to cover the remainder of your medical expenses. It is important to have your health insurance information in the your medical provider's records in order to be able to send these bills to them. In addition, you should ensure that any of the doctors you've been seeing are authorized by the Workers' Compensation Board to treat injured workers. If they're not you'll be accountable for the cost of treatment when you receive your personal injury settlement. It is also important to inform your lawyer for accidents about all the physical therapists, doctors and other medical professionals that you have visited. Your lawyer might not be aware of these and may not be able to collect amounts owed from your settlement. An injury lawsuit can assist you in recovering from the emotional and physical trauma you've experienced as a result 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 death of a loved one, you may seek damages to compensate for lost wages, medical bills and non-economic losses like suffering and pain. Pain and suffering Pain and suffering are difficult to quantify in dollars. This is because they aren't economic damages like medical bills or income loss. This is why it's essential to hire a skilled attorney who can show jurors how your injury has affected your life. Evidence like witness testimony or copies of your medical records and photos can be helpful. Explaining to the jury the way your injury has impacted your life and prevented you from enjoying hobbies and other activities could be a significant factor. Your lawyer can use one of two standard methods to determine your suffering and pain, which are the Multiplier method or the Per Diem method. The Multiplier method takes all the damages you've suffered financially 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 each day you're injured, and multiplies this number by the number of days it will take to recover fully. Memphis injury lawyer will consider many factors to determine the fair settlement amount for your discomfort and pain. Computers and algorithms cannot calculate the intensity of pain or suffering, therefore each case should be evaluated each case individually. You should also consider your mental anguish, emotional suffering and physical pain. This includes emotions like depression, grief and anxiety. Post-traumatic stress disorder (PTSD) is a severe mental illness that can lead to severe mental pain. The best method to prove the 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 through written reports or through face-toface testimony. The more details you provide the better your attorney can help you receive a better settlement for your pain and discomfort. While most personal injury cases involve accidents, you may also pursue an action against someone who has intentionally hurt you. This type of negligence claim is known as a civil tort. While these kinds of claims aren't common however, there are a variety of civil torts that may be filed for, including medical malpractice, wrongful deaths, dog bite injuries, and defamation lawsuits. Damages After an accident, a financial award can help someone get back on their feet. It could also be used to compensate for intangible losses, such as pain and suffering. Damages are typically paid through an insurance settlement, or by the judge or jury if the case is in court. In general there are two types of damages: punitive and compensatory. Compensation damages are those that reimburse the plaintiff for the actual cost. They are available in nearly every personal injury claim. Punitive damages penalize the offender and discourage similar conduct in the future. It is crucial to include future expenses and costs when you request compensation. This includes prescription medication as well as future surgeries, and other unforeseen costs. It is important to also consider the effects of your injury on your quality-of-life. For instance, if are unable to play with your children or engage in other activities you usually take part in, it is essential to account for those losses. The easiest way to estimate past losses is simply adding up the amount you've spent and the amount you've lost. To calculate the future medical expenses and earnings potential that are less you'll need the doctor's note indicating how long you will be absent from work and your 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. Additionally, if the incident has affected your relationships with family members, you may be eligible to receive compensation for the loss of companionship or “loss of consortium.” This type of compensation is designed to alleviate the emotional stress that an injury has on your relationship with your spouse and other loved ones. It's difficult to put a price on the pain and suffering that you endure however, you are entitled to an adequate and fair amount of compensation for your injuries. This type of damage is usually based on a judge's or jury's judgment rather than evidence. Your attorney can explain this in greater depth and help you decide the level of damages you are entitled to for your injuries.