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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can alter your life. You may be overwhelmed by the impact of your injuries, ranging from medical bills and lost income to pain and suffering. Certain costs, such as your medical expenses or lost wages, are simple to determine. Other costs are more subjective, like your pain and suffering. Loss of wages Injuries that result in a loss of income could be devastating. Many households rely on income to pay for their basic expenses like rent or mortgage payments, food and utilities. In YouTube , injured workers are able to file a personal injury claim against the driver at the fault to receive the 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. To calculate your lost wages, you need to determine your average weekly wage (AWW) which is the amount that you earned prior to your accident. This can be done by looking over your previous pay receipts. An attorney can help you gather the required documents to prove your claim. Include both wages when you have more than one employer or have multiple sources of income. It is also important to include any financial benefits that you are entitled to, like retirement benefits, health insurance or bonuses. You may not be able to return to your job or you might only be able to do so in a reduced capacity, based on the nature of the injury. If you are in this situation, the insurance company will have to provide you with temporary benefits, like weekly fixed payments which is based on the percentage of your average weekly wage. You could be eligible for reimbursement of your paid time off (PTO) that you used during your recovery from your injury. The value of PTO is usually thought to be the equivalent of 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 any transport, meals or other equipment required for your recovery. Workers' compensation doesn't guarantee future earnings. If your injury stops you from working in the exact same field or earning the same salary you earn, you may seek compensation through an additional claim known as “lost earnings capacity.” You will be required to prove your injury has impacted your ability to pursue your career track. Medical bills Many people are shocked when they see the costs of an hospital visit, particularly an emergency room visit. The cost of outpatient treatment is also quite expensive. This is because medicine is a profitable business, and doctors have to pay for their expenses and turn profit. They therefore have the right to put a lien on your personal injury settlement in order to recover the amount that they have been paid. Medical expenses are part of the compensation claim for injuries caused by negligence. They are generally reimbursed by the party responsible for the accident and their insurance company. However, in the event of a delay of a car crash case it is your obligation to pay the medical bills. After your personal injury protection (PIP) that has an amount of $2200 or $8,000 is exhausted, you can take advantage of the remainder of your health insurance coverage to cover your medical expenses. It is essential to keep your health insurance information on your medical provider's records to allow them to pay these bills directly to them. Additionally, you must make sure that any of the doctors you've been seeing is licensed by the Workers' Compensation Board to treat injured workers. If they are not, you'll be responsible for the bills if and when you receive a personal injury settlement. It is also important to ensure that you inform your attorney regarding all of the doctor's offices, physical therapists, and other medical professionals you've seen. Your lawyer might not be aware of these and may not be able to collect the amount due from your settlement. An injury lawsuit may help you recover 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 caused of your serious injuries or the death of a loved one you can seek damages to pay for the loss of wages, medical expenses and other non-economic losses such as pain and suffering. Suffering and pain Pain and suffering are difficult to quantify in dollar terms. This is due to the fact that they are not economic damages like medical bills or income loss. This is why it's crucial to have a competent lawyer who can explain to jurors how your injury has affected you. Evidence like witness testimony or copies of your medical records, and photographs could be useful. The jury should be able to understand that your injury has affected your lifestyle and prevented your from engaging in hobbies and other activities can have a significant impact. Your lawyer may use the Multiplier or Per Diem method to calculate your suffering, pain, and damages. The Multiplier method is a method of adding up the amount of money you have lost and then multiplies them by a number ranging between one and five, depending on the severity of your injury. The Per Diem method assigns a specific amount of money to each day that you were injured and multiplies the amount by the total days it will take to reach your full recovery. These are just two of the many factors that your lawyer will consider to determine a fair settlement amount 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, so a personal injury case requires careful consideration of the unique circumstances that impact the individual victim's circumstance. It is also important to consider your mental stress, emotional discomfort and physical pain. This includes emotions like grief, depression, fear, anxiety and shock. Post-traumatic stress disorder (PTSD) is a severe mental disorder that can cause severe mental pain. The best method to prove the loss of enjoyment of life is to have a certified expert like psychologist, testify on how the injury has affected you. This can be done by written reports or face-to-face testimony. The more information you provide the greater chance it is that your lawyer will be able to secure you a greater amount of compensation for your pain and suffering. While the majority of personal injuries involve accidents, you can also bring a lawsuit against someone who has intentionally hurt you. This type of negligence claim is called a civil tort. Civil torts are not uncommon even though they are not common. They include wrongful death, medical negligence dog bite injuries, and defamation lawsuits. Damages A sum of money awarded to a person as compensation for an injury may help them get back on their feet after an accident. It may also cover intangible losses, such as pain and suffering. Damages are usually paid by an insurance settlement or by the judge or jury if the case is in 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 lawsuit. Punitive damages punish the wrongdoer and deter similar behavior in the future. When seeking compensation, it is crucial to include not just the losses that have occurred in the past, such as medical bills and lost wages, but also the estimated future expenses and losses. This includes prescription medications as well as future surgeries, and other unexpected expenses. It is also important to think about how the injury may have affected your life quality. It is important to take into account the loss you experience if, for example, you are unable to play with your kids or participate in other activities you love. The easiest method to determine past losses is by adding up the amount you've spent and the earnings you've missed. To estimate future medical costs and earnings potential that are less You'll need a doctor's letter indicating the length of time you'll be out of work and your average hourly rate. You can then divide the number of 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 of income. You could also be entitled to compensation for “loss or consortium” in the event that your accident has caused emotional anxiety in your relationship with your spouse or other loved ones. Pain and suffering are difficult to quantify, but you should be able to claim fair compensation. In most cases, this category of damages will be based on a judge or jury's judgment, rather than on concrete evidence. Your attorney can explain this in more detail and assist you in determining the amount of compensation you're entitled to for your injury.