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How Personal Injury Compensation Can Help You Get Back on Your Feet A serious injury can alter your life. From the cost of medical bills and lost wages to pain and suffering you might feel overwhelmed by the consequences of your injuries. Certain costs, like your medical expenses or lost wages are simple to determine. Certain costs are subjective, like your pain and suffering. Loss of wages Injuries that cause loss of income can be devastating. Many households depend on their earnings to cover basic living expenses such as mortgage or rent payments as well as food items. In New York, injured workers might be capable of filing a personal injury claim against the driver who caused the accident to recover the cost of lost wages. However, a successful claim depends on the proof that the injury triggered the loss in wages and it was directly related to the crash. The first step to calculate your lost earnings is to find the average weekly wage (AWW) that you earned prior to your injury. This can be done by looking through your previous pay statements. An attorney can help gather documents to support your claim. Include both salaries when you have more than one employer, or have multiple sources of income. It is also important to include any financial benefits that you receive, such as health insurance, retirement contributions or bonuses. It is possible that you will not be in a position to return to work or might be able perform the job in a limited capacity, depending on the severity of the injury. If you find yourself in this situation the insurance company will have to provide you with temporary benefits, such as weekly fixed payments that is based upon a percentage of your average weekly income. You may also be entitled to a reimbursement of your paid time off (PTO), which you used in your recovery from your injury. The value of PTO generally is equal to one day's wage. Frisco injury lawyers that must be considered when making a calculation of your lost wages is the costs of any expenses related to work you incurred. This can include the cost of transport, meals or other equipment required to help you recover. While workers' compensation provides you with the medical care and compensation for missed wages, it cannot provide for future earnings. If your injury stops you from working in the same field or earning the same amount you earn, you can apply for compensation under a separate claim called “lost earnings capacity.” You'll need to provide evidence that your injury has impacted your ability to pursue your career track. Medical bills Many people are shocked by the expense of hospitalization particularly if it's an emergency room visit. Outpatient treatments can be costly. This is because medicine is a profitable business, and doctors must cover their costs and make a profit. They therefore have the right to levy a lien on your personal injury settlement to recover the amount they've been assessed. Medical bills are considered to be a part of the claim to compensation for injuries caused by the negligent actions of another. In the majority of cases, the person who is at fault and their insurance company reimburse these medical bills. In the case of a case involving a car accident, it is your responsibility to pay for medical expenses. When your personal injury protection (PIP) which has a limit of $2200 or $8,000 is exhausted, you can make use of the remaining health insurance coverage to cover your medical expenses. However, it is important to have your health insurance contact information in the file of your medical provider to ensure that the bills are paid to them. You should also ensure that the medical providers who treated you are licensed to do so by the Workers' Compensation Board. If they aren't, you'll be responsible for the cost of treatment when you receive your personal settlement for injury. It is also important to make sure that you tell your accident attorney about all the doctor's offices, physical therapists, and other medical providers you have visited. Your lawyer might not be aware of these and may not be able collect the amount due from your settlement. A lawsuit for injury can aid you in recovering from the physical and emotional trauma you've experienced as a result the negligence of others. You could receive compensation for your injuries or the loss of someone you love when you can prove that negligent party caused the injury. This includes medical bills as well as lost wages and other non-economic damages such as pain and discomfort. Suffering and pain Unlike economic damages, like medical bills and income loss it is difficult to determine a dollar amount on suffering and pain. It is crucial to choose a lawyer who is able to explain to a juror how your injury affected you. Having evidence such as photos, witness testimony and copies of your medical records can aid. But, describing to the jury how your injury affected your life and prevented you from enjoying activities and hobbies can be a major factor. Your lawyer can use one of two common methods to calculate your suffering and pain and suffering, which is the Multiplier method or the Per Diem method. The Multiplier method adds up your monetary damages, and multiplies it by a number that ranges between one and five, dependent on the severity of your injury. The Per Diem method assigns an amount of money for every day you've been injured, and then multiply this amount by the number of days you will need to recover fully. Your attorney will consider many factors to determine the right settlement amount to compensate you for your pain and discomfort. Pain and suffering is not something that can be measured by a computer or an algorithm, so a personal injury case requires careful consideration of the unique factors that affect each victim's situation. It is also important to consider your mental anguish, emotional discomfort and physical pain. This includes emotions like grief, depression and anxiety. Post-traumatic stress disorder (PTSD) is a serious mental illness that can lead to extreme mental pain. A psychologist or other expert can testify to your injuries and how it has affected your life. This can be done via written reports or face-to-face testimony. The more details you provide the more your attorney can help you obtain a greater amount of compensation for your discomfort and pain. While the majority of personal injury cases involve accidents, you may also file a lawsuit against someone who intentionally harmed you. This type of negligence claim can be called a civil tort. While these kinds of claims are not common however, there are a variety of civil torts that could be filed such as medical malpractice, wrongful death dog bite injuries and defamation lawsuits. Damages After an accident, a monetary award can aid someone to get back on their feet. It can also compensate more intangible losses such as pain and suffering. Typically the damage is paid by the defendant through an insurance settlement or by the jury or judge in a court case. In general there are two kinds of damages: compensatory or punitive. Compensatory damages compensate a plaintiff for their actual expenses. They are available in almost every personal injury claim. Punitive damages punish the wrongdoer and prevent similar actions in the future. It is crucial to include future costs and expenses when you request compensation. This includes prescription drugs, future surgeries and any other unexpected costs. It is also essential to consider how the injury may have affected your quality of life. For example, if you can no longer play with your children or participate in other activities you usually do, it is important to account for those losses. The easiest way to determine past losses is by adding up the amount you've paid and the wages you've missed. To calculate the future medical expenses and the potential for earnings loss you'll need an official letter from your doctor stating the length of time you'll be out of work and the average hourly rate. Then, you'll be able to divide the number of days between your date of the maximum improvement in your medical condition and the date you're expected to resume work by that daily rate to calculate estimated lost earnings. You may also be entitled to compensation for “loss or consortium” when your injury has caused emotional distress in your relationship with your spouse or other family members. It is difficult to quantify, but you are entitled to fair compensation. This type of damage is usually determined by the judge's or jury's decision instead of hard evidence. Your attorney can explain it in detail and help you determine the amount of damages you're entitled to.