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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury could alter the ways you live your life. You might be overwhelmed by the consequences of your injuries, ranging from medical bills and income loss to suffering and pain. Certain costs, such as your medical expenses or lost wages, are simple to determine. Other costs are more subjective, like your suffering and pain. Loss of wages The loss of income resulting from injuries can be a devastating loss of income. Many households depend on their earnings to cover basic living expenses such as mortgage or rent payments as well as groceries. In New York, injured workers can file a personal injury claim against the driver who was at the fault to receive compensation for lost wages. A successful claim will require proof that the injury was the reason of the wage loss and that it is directly connected to the accident. The first step in calculating your lost wages is to determine the average weekly wage (AWW) that you earned prior to your injury. This can be done by looking through your previous pay stubs. An attorney can assist you to gather the required documents to prove your claim. If you work for more than one employer or have several sources of income, it's important to include both salaries in your AWW calculation. It is also important to include any financial benefits that you receive, such as retirement benefits, health insurance or bonuses. It is possible that you will not be capable of returning to work or may only be able to return in a lesser capacity, based on the severity of the injury. If you're in this situation the insurance company might be required to provide temporary benefits, such as an annual fixed payment that is that is based on a specific percentage of your average wage. You may be eligible for reimbursement of your paid time off (PTO) which you took advantage of in your recovery from your injury. The value of PTO generally equals one day's salary. Another factor to be taken into account when making a calculation of your lost wages is the cost of any work-related expenses you incurred. This could include the cost of any transportation, meals, or equipment needed for your recovery. Workers' compensation doesn't guarantee future earnings. If your injury prevents you from working in the same field or with the same pay, you can request compensation for future losses using an additional process known as “lost earning capacity.” To prove your claim, you will need to prove the impact your accident has had on your ability to pursue a specific career route. Medical bills Many people are shocked by the expense of a hospital stay particularly if it's an emergency room visit. The cost of treatment for outpatients can also be very high. This is because medicine is a profit-making business, and doctors must cover their costs and make profits. Therefore they are entitled to levy your personal injury settlement or award to recover the amount they have been billed. Medical bills are included in the compensation claim for injuries resulting from negligence. They are generally reimbursed by the party responsible for the accident and their insurance company. However, during the pendency of a case involving a car accident it is your obligation to pay for medical expenses. After your personal injury coverage (PIP) has reached the limit of $2,200 or $8,000 You can then use your health insurance plan to pay the remainder of your medical expenses. It is crucial to have your health insurance information on the medical provider's file to allow them to send them the bills. You should also ensure that the medical providers who have treated you are authorized to treat you by the Workers' Compensation Board. If they are not, you will be responsible for the bills should you ever receive a personal injury settlement. It is also important to inform your lawyer who handled your accident about all the physical therapists, doctors, and other medical providers who you have visited. Your lawyer may not know about them, and may not be able to collect the amounts that are due from your settlement. While there is no way to fully cover the emotional and physical trauma you have experienced because of the negligence of another, an injury lawsuit can be a great help. You can get compensation for your injuries or the death of someone you love in the event that you can prove that the negligent party caused the injury. This includes medical expenses or lost wages, as well as non-economic damages like discomfort and pain. Suffering and pain In contrast to economic damages, like medical bills and income loss, it is difficult to put a dollar value on pain and suffering. This is why it is essential to hire a skilled attorney who can show jurors how your injury has affected your life. Having evidence such as photos, witness testimony and copies of your medical records could assist. Explaining to the jury the way your injury has impacted your lifestyle and prevented your from enjoying hobbies and other activities could have a significant impact. Your lawyer can use either the Multiplier or Per Diem method to calculate your pain, suffering and damages. The Multiplier method adds up your monetary damages and then multiplies it by a number that ranges from one to five depending on the severity of your injury. The Per Diem method assigns an amount of money for each day you're injured, and multiplies this number by the number days it will take to recover fully. Your attorney will take into account many factors to determine the fair settlement amount for your discomfort and pain. Baldwin Park injury attorneys isn't something that can be analyzed using a computer or algorithm and a personal injury case requires a careful analysis of the specific circumstances that impact the individual victim's circumstance. You must also take into consideration your mental anguish, emotional suffering and physical pain. This includes emotions like depression, grief and anxiety. Post-traumatic stress disorder (PTSD) is a serious mental condition that can cause severe mental pain. The best method to prove your loss of enjoyment is to have a qualified expert such as a psychologist, testify about how the injury has affected you. This can be done via written reports and through face-to-face testimony. The more information you provide the more your attorney will be able to help you obtain a greater amount of compensation for your discomfort and pain. Although the majority of personal injuries involve accidents, you can also bring an action against someone who intentionally harmed you. This kind of negligence claim can be called a civil tort. Civil torts are not unheard of however, they are rare. They include wrongful death, medical negligence, dog bite injuries and defamation suits. Damages Following an accident, a financial award can help someone get back on their feet. It can also compensate for more intangible losses such as pain and suffering. Typically, damages are paid by the defendant in an insurance settlement or by the jury or judge in a court case. Generally, there are two categories of damages: punitive and compensatory. Compensation damages compensate the plaintiff for actual expenses and are available in nearly every personal injury case. Punitive damages are used to punish the perpetrator and discourage similar conduct in the future. It is crucial to include future expenses and costs when you request compensation. This includes prescription drugs, future surgeries and any other unexpected costs. It is also important to take into account the consequences of your injury to your quality of life. It is essential to consider the losses you suffer if, for example, you are unable to play with your kids or do other activities that you love. Add up your expenses and wages missed to get a simple calculation of past losses. However, to estimate future medical bills and reduced earning capacity, you'll need an official note from your doctor stating the length of time you will be not able to work and the typical hourly rate. You can then divide the number days between the date of your medical improvement's maximum and the expected return to work by this daily rate, to calculate the estimated loss in 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 family members. It's hard to determine the value of pain and suffering, but you deserve the full and fair compensation for your injuries. This category of damages is usually based on a judge's or jury's judgment instead of hard evidence. Your attorney can explain this in greater detail and help you determine the amount of damages you are entitled to for your injuries.