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How to File a Personal Injury Claim If you've been injured from an accident caused by the actions of someone else, you may be eligible to bring a personal injury lawsuit. At a minimum the claims will compensate you for your past and future medical costs. Compensation is offered for other losses that have an monetary value, such as pain and discomfort. The exact amount of damages isn't easy. Medical bills Medical bills are among the most frequent expenses our clients from Palm Coast and Ormond Beach experience after an accident. Thankfully, personal injury cases can be used to pay these costs. However, it's important to keep records of all associated costs. This includes the cost of your medical bill as well as any additional costs you incur as a result of your injury (such as hiring someone to mow the lawn or purchasing gas to get to and from your medical appointments). Use your health insurance to pay for medical expenses. This will prevent you from incurring large amounts of medical debt. If you encounter a medical charge that you feel is incorrect it is recommended to contact the billing department at the healthcare provider you are using and also your insurance company. You should request documentation and describe the issue in detail. Include the date, time and name of the person who spoke to you. In some instances an insurance company could create a lien against your claim to recover the amount paid for medical care. Subrogation is the legal term for this process. However, it is possible to negotiate the amount your insurance company is eligible to claim through this process. Loss of wages The loss of income in the event that you're injured and not able to work be a major financial burden. In the majority of cases, at-fault driver's insurance policy will compensate for lost wages. However, there are instances where this may not be the case, and you could have to sue for additional compensation. Typically lost wages are calculated by adding the days you've missed and multiplying that by your hourly rate. Salaried employees can also take their annual salary and figure out the average daily earnings to calculate their lost earnings. This calculation includes other benefits that you would have received if not because of the injury, such as commissions, overtime pay or tips, as well as bonuses and bonuses. It is important to remember that you must have proof of your identity to be able to claim lost wages. personal injury lawyers near me 'll require a medical certificate stating your injuries and why you were unable go to work. You will also need to provide pay stubs, bank statements and tax returns. A lawyer can help to compile these documents and work with a forensic accountant to determine the fair value of your lost wages. Suffering and pain In addition, to pay for expenses like medical bills and lost wages Personal injury cases can also award money for suffering and pain. These are called non-economic damages and can include things like emotional distress, physical pain and loss of normal living. Non-economic losses can be more difficult to quantify and may differ from person to person. Insurance companies use a variety of methods to determine the value of an individual's suffering and pain. The multiplier method and per diem are two of the most popular. The multiplier method entails assigning a severity score for injuries between one and five. A one could be minor bruises and scrapes while a value of five could be the most severe injury or permanent disability. Multiply your medical expenses by this amount to determine your total economic damages. The per diameter method is a method to calculate pain and suffering. It will pay you the amount in dollars for every day you are injured. This method is not as popular than the multiplier method. An experienced lawyer can assist you to maximize your reimbursement for pain, suffering and other damages. They will send a request to the insurance company of the party responsible and provide evidence to back up your claim. They will then negotiate to come to an equitable settlement. If you and the other side are unable reach an agreement, you can arrange an appearance in court to make an arbitrator decide your decision. Arbitrators are typically retired judges and lawyers who have extensive experience deciding personal injury cases. Damages A successful personal injury claim could be compensated for direct and indirect costs. Direct costs include medical expenses loss of wages, medical care, and other expenses related to an accident. Indirect costs (also referred to as general damages) comprise things like pain, suffering and medical treatment. General damages are difficult to quantify and are highly subjective. In most instances, the amount a plaintiff will be awarded in damages is determined by adding up all bills and income lost, then projecting future loss according to the plaintiff's expected date of recovery. Lawyers will require access to many medical bills and other documents to determine the future economic damages. In certain situations it is possible to consult with a specialist in order to determine the amount of future medical expenses and other expenses. A personal injury lawsuit could also seek punitive damages from the defendant. They are designed to penalize the defendant and deter similar conduct. These are intended to punish the defendant, and discourage similar conduct. A court may only give punitive damages in instances where a defendant's actions are judged to be particularly reckless or malicious. Most personal injury cases never get to this point. If this is the case, you will need an attorney to guide you through the process and ensure you receive the most settlement.