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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can change the way you live your life. You may feel overwhelmed with the consequences of your injuries, from medical bills and lost income to suffering and pain. Certain costs, like your medical costs or lost wages are straightforward to estimate. Certain costs are subjective like your suffering and pain. Loss of wages Injury-related income loss can be catastrophic. Many families rely on their wages to cover the essential costs of living, such as mortgage or rent payments as well as groceries. In New York, injured workers are able to file a personal injury claim against the driver who was at the fault to receive compensation for lost wages. However, a successful claim depends on the proof that the injury caused the wage loss and that it was directly connected to the accident. The first step to calculate the loss of your earnings is to find the average weekly wage (AWW) that you earned prior to your injury. You can do this by looking at past pay statements. A lawyer can help collect the necessary documents to prove your claim. Include both your salaries in the event that you have more than one employer or have multiple sources of income. It is also beneficial to include any other financial benefits you receive like bonuses, health insurance or retirement contributions. You may not be capable of returning to your job or you might be able do so in a reduced capacity, depending on the nature of your injury. If you find yourself in this situation, the insurance company will need to provide you with temporary benefits, like a fixed payment each week that is based upon the percentage of your average weekly income. You could also be entitled to a reimbursement of your paid time off (PTO), which you used to recover from your injury. The value of PTO typically equals one day's wage. When you calculate your lost wage, you should also consider any work-related costs that you have paid for. This can include any transportation, meals, or equipment required for your recovery. While workers' compensation provides you with the necessary medical care and compensation for the loss of your current wages, it doesn't provide for future earnings. If your injury prevents your from working in the same field or earning the same amount you earn, you may claim compensation under a separate claim called “lost earnings capacity.” You will be required to prove your injury has impacted your ability to pursue your chosen career path. Medical bills Many people are shocked by the expense of a hospital stay, especially if it is an emergency room visit. The cost of outpatient care can be quite expensive. This is due to the fact that medicine is for-profit and doctors must pay their expenses to earn profit. As a result, they are entitled to place a lien on your personal injury settlement or award in order to recover the amount they were charged. Medical expenses are part of the compensation claim for injuries caused by negligence. In the majority of cases, the at-fault person and their insurance company reimburse the medical expenses. In the case of a car crash case it is your obligation to pay the medical bills. After your personal injury protection (PIP) that has a limit of $8,000 or $2200, is exhausted, you can take advantage of the remainder of your health insurance coverage to cover your medical expenses. However, it's important to have your health insurance's contact information on file with your medical provider to make sure 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 you'll be accountable for paying the bills when you receive your personal injury settlement. It is also crucial to ensure that you tell your accident attorney about all of the doctor's offices, physical therapists, and other medical providers you have been to. Your lawyer may not be aware about them, and might not be able to recover the amount owed from your settlement. While there is no way to completely cover the physical and emotional trauma you've experienced because of the negligence of another the other party, a lawsuit for injury can be a great help. You may be able to claim compensation for your injuries, or the loss of someone you love when you can prove that other party's negligence caused it. This includes medical bills or lost wages, as well as other damages that are not economic, such as discomfort and pain. Pain and suffering In contrast to economic damages, like medical bills and loss of income It is hard to place a dollar amount on pain and suffering. It is crucial to choose a lawyer who is able to explain to jurors how your injury affected you. Evidence such as photographs, witness testimony, and copies of your medical records could help. However, explaining to the jury how your injuries have affected your life 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 is a method of adding up your damages in money and then multiplies it by a number from one to five depending on your severity of injury. The Per Diem method assigns an amount of money for every day you've been injured, and multiplies this number by the number days you will need to recover fully. Your attorney will consider a variety of factors to determine the right settlement amount to compensate you for your pain and discomfort. The pain and suffering of a person is not something that can be calculated by a computer or an algorithm and the personal injury case requires a careful analysis of the specific circumstances that impact each victim's situation. In addition to assessing the physical pain you are experiencing, mental anguish and emotional distress should be considered. This includes emotions such as grief, depression, fear and anxiety as well as shock. The most severe mental pain could include PTSD or post-traumatic stress disorder. The best method to prove your loss of enjoyment is to have a qualified expert like psychologist, testify to how the injury has affected you. This can be done by written reports or face-to-face testimony. The more information you can provide the greater chance it is that your lawyer will be able to get you a greater amount of compensation for your pain and suffering. You may sue someone who intentionally injured you, even if the majority of personal injury cases are accidents. This kind of negligence claim is known as a civil tort. Civil torts are not unheard of even though they are rare. They include medical negligence, wrongful deaths dog bite injuries, and defamation lawsuits. Damages A monetary sum awarded to someone in compensation for their injury can aid them in getting back on their feet after an accident. 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 by 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 costs and are available in almost every personal injury lawsuit. Punitive damages are used to punish the perpetrator and discourage similar conduct in the future. When seeking compensation, it is essential to include not just past losses, such as medical bills and lost wages, but also estimated future losses and expenses. This includes prescription medication as well as future surgeries and unexpected expenses. It is important to also consider the effects of your injury on your quality-of-life. For Syracuse injury attorney You Tube , if you are unable to play with your children or participate in other activities that you normally do, it is important to account for those losses. Add up your expenses and wages missed to make a quick calculation of your losses from the past. To estimate future medical costs and the potential for earnings loss you'll need the doctor's note indicating how long you will be off work and the average hourly rate. You can then divide the number of days between the date of your maximum medical improvement and the expected return to work by this daily rate, to calculate estimated lost income. In addition, if your injury has harmed your relationships with your family members, you could be eligible for compensation for the loss of companionship or “loss of consortium.” This type of compensation is intended to alleviate the emotional stress that an injury has on your relationship with your spouse and other loved ones. Pain and suffering are difficult to quantify, but you are entitled to fair compensation. Most often, this type of damages will be based on a judge or jury's judgment rather than on hard evidence. Your attorney can explain this in more detail and assist you in determining the level of damages you are entitled to for your injuries.