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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. You may be overwhelmed by the impact of your injuries, from medical bills and income loss to suffering and pain. Lake Charles injury lawyers are easy to calculate, like your medical expenses or time off work. Other costs are more subjective, like your suffering and pain. Lost wages Injuries that cause loss of income can be catastrophic. Many households rely on income to pay for their basic expenses like rent or mortgage payments, food and utilities. In New York, injured workers might be able to file a personal injury claim against the at-fault driver to claim the cost of lost wages. However the claim's success depends on the evidence that the injury caused the loss of wages and that it was directly connected to the accident. To calculate your lost wages, you must first determine your average weekly wage (AWW) which is the amount of money that you earned prior to your injury. You can do this by looking at past pay receipts. A lawyer can assist you collect the necessary documents to prove your claim. If you have more than one employer, or have multiple sources of income, it is essential to include both your salaries in your AWW calculation. It is also important to include any financial benefits you are entitled to, like retirement benefits, health insurance, or bonuses. You may not be in a position to return to work or may only be able to return in a lesser capacity, depending on the nature of the injury. If you find yourself in this scenario your insurance provider may require you to pay temporary benefits such as a weekly fixed payment which is based on a percentage of your average wage. You might also be entitled to reimbursement for the time you worked off (PTO) that you took while you were recovering from your injuries. The value of PTO generally is equal to one day's wages. When calculating your lost wages it is important to consider any work-related costs that you've to pay. This can include the cost of transportation, meals, or equipment necessary for your recovery. Workers' compensation is a benefit that provides you with the medical care and compensation for missed wages, it does not cover future lost earnings. If your injury hinders you from working in the exact same field or earning the same amount you earn, you may claim compensation through a separate claim called “lost earnings capacity.” You'll need to provide evidence that the accident has affected your ability to pursue your desired career path. Medical bills Many people are shocked by the cost of hospitalization, especially if it is an emergency room visit. Outpatient treatments can be costly. This is because medicine is for-profit and doctors have to cover their expenses in order to make profit. They are therefore entitled to put a lien on your personal injury settlement to recover the amount that they have been charged. 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 at-fault person and their insurance company reimburse the medical bills. You are responsible for paying these medical expenses during the time that the case is pending. After your personal injury protection (PIP) which has a limit of $8,000 or $2200, is exhausted, you can take advantage of the remainder of your health insurance coverage to pay your medical expenses. It is crucial to have your health insurance details on file at the medical provider to allow them to pay these bills directly to them. In addition, you should make sure that any of the doctors you've been seeing is licensed by the Workers' Compensation Board to treat injured workers. If they aren't you'll be accountable for paying the bills once you receive the personal settlement for injury. You should also tell your accident lawyer about all the physical therapists, doctors and other medical professionals you've visited. Your lawyer might not be aware of them and may not be able collect the amount due from your settlement. An injury lawsuit may help you recover from the physical and emotional trauma you've experienced due to 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 ones you could seek damages to pay for lost wages, medical bills and other losses that are not economic, such as pain and suffering. Pain and suffering It is difficult for pain and suffering to quantify in terms of dollars. This is because they aren't economic damages, like medical bills or loss of income. It is important to hire an attorney who is able to explain to jurors how your injuries affected your life. Having evidence such as photos, witness testimony, and copies of your medical records can aid. However, describing to the jury how your injury impacted your lifestyle and hindered you from engaging in hobbies and activities can also make a significant impact. Your lawyer may use one of two common methods to calculate the amount of your pain and suffering and suffering, which is the Multiplier method or the Per Diem method. The Multiplier method is a method of adding up the amount of money you have lost and then multiplies it by a number ranging between one and five, depending on your severity of injury. The Per Diem method assigns an amount of money for each day you were injured, and multiplies this number by the number days required to fully recover. Your attorney will take into account many factors to determine the right settlement amount for your discomfort and pain. Computers and algorithms can't determine pain or suffering, which is why each case must be evaluated individually. In addition to evaluating the physical pain you are experiencing mental anguish and emotional distress must be considered. This includes emotions such as fear, depression, grief, anxiety and shock. Severe mental pain can even include PTSD, or post-traumatic stress disorder. The best method to prove the loss of enjoyment is to have a trained expert such as psychologist, testify to how the injury has affected you. This can be done with written reports or through face-toface testimony. The more information you can provide the better your lawyer can assist you to get a higher compensation for your pain and discomfort. While the majority of personal injuries involve accidents, you may also file a lawsuit against someone who deliberately harmed you. This kind of negligence claim is known as a civil tort. Although these types of claims are not common, there are many types of civil torts that may be filed, including wrongful death, medical malpractice, dog bite injuries, and defamation lawsuits. Damages Following an accident, a financial award can assist someone in getting back on their feet. It could also be used to compensate for intangible losses like pain and suffering. Damages are typically covered by an insurance settlement or by the judge or jury in the event of a case being heard in court. In general, there are two types of damages: compensatory and punitive. Compensatory damages reimburse a plaintiff for their actual expenses. They are offered in almost every personal injury case. Punitive damages punish the wrongdoer and prevent similar actions in the future. When seeking compensation, it is crucial to include not only the losses that have occurred in the past, such as medical bills and lost wages, but also estimates of future expenses and losses. This includes prescription drugs, future surgeries and any other costs that are not anticipated. It is also important to think about the consequences of your injury to your quality of life. It is important to consider the loss you experience if, for example, you are unable to play with your kids or engage in other activities you love. Add up the expenses and lost wages to make a quick calculation of past losses. To calculate the future medical expenses and earnings potential that are less, you'll require the doctor's note indicating the length of time you'll be out of 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 the estimated loss in income. You could also be entitled to compensation for “loss or consortium” when your injury has caused emotional anxiety in your relationship with your spouse or other loved ones. It's hard to put a price on suffering and pain, but you deserve an adequate and fair amount of compensation for the injury. This type of damage is usually based on a judge's or jury's decision instead of hard evidence. Your lawyer can explain this in greater detail and help you determine the amount of damages you are entitled to for your injuries.