What Types of Damages Are Included in Accident Compensation Insurance companies are typically adept at reducing the amount you receive after an accident They may be skeptical about your injuries, or suggest that you were the one to blame Don't let them force you to settle Gather as much evidence as you can, such as police reports, medical evidence witness testimony, photos of the destruction and more Medical expenses Medical expenses are an essential element of any accident compensation claim This type of damage encompasses a broad range of medical-related expenses, such as hospital bills, doctor's appointments ambulance bills, prescriptions, and other healthcare expenses related to injuries suffered in an accident This type of damage may also include extra expenses like physical therapy and follow-up treatment to ensure the injury is completely healed The expenses must be documented, and must be included in any request for an accident settlement The insurance company will evaluate the expenses to determine if they are reasonable and essential, which will vary based on the type of accident and the severity of the person's injuries If someone had to have a limb removed because of their injury, they will likely require more regular medical attention and rehabilitation than an ankle that was sprained in the course of a fall Generally speaking, insurance companies will reimburse an injured person for their medical bills when they become due The reason for this is that they don't require the person injured to pay for their medical expenses on a regular basis Instead, the insurance company anticipates that these bills will be covered by the accident compensation payout Some people have health insurance which will cover all or a portion of their medical expenses, but many do not If a victim of a crash is not covered to cover their medical expenses, they can often claim personal injury protection PIP benefits through their auto insurer These benefits will pay for a victim's initial hospital visit and any ambulance or emergency room expenses they pay for In most cases, the accident victim's medical insurance will cover the remaining costs once all other insurances have been exhausted Hospitals can ask patients to sign a lien, which grants the hospital the right to collect any personal injury settlements that are owed Similar to this, some drivers also have "med pay" coverage on their vehicle policies that covers medical expenses up to a specific amount like 10,000 In this scenario, an accident victim's car insurance will pay for all medical expenses up to the med-pay limit and then request reimbursement from their accident settlement for any balance Suffering and pain In a personal injury case in a personal injury case, pain and suffering may be awarded as non-economic damages against the person who was responsible for the accident https//vimeocom/709356322 are intended to provide you with compensation for any emotional or physical trauma you've experienced from your accident These damages are harder to quantify than medical expenses or lost wages, but they are just as devastating Your lawyer can employ different methods to calculate the amount of your suffering For example, they may request details about how your injuries have affected your life and whether or not the injuries will have lasting effects They may also request detailed medical records of your injuries, photos of the wreckage, as well as other physical evidence to help in your case Physical injuries resulting from an accident are painful, and they can last for days, weeks months, or even the rest of your life They can disrupt your daily routine, cause you to not participate in certain activities, or even alter your life Accidents can trigger mental anguish and emotional distress, in addition to physical pain This is known as mental anguish under Florida law It can be characterized by various symptoms, including anxiety, depression, shock, grief, fear, and anger The more evidence you can give of the negative impact of your injuries, the more likely an insurance company or a judge or jury will provide you with compensation for suffering and pain It is essential to collect as much information as you can regarding the accident and your injuries including police reports, medical documentation photographs of the scene and witness testimonies It is crucial to understand that there is not a fixed amount for pain, suffering and other damages This means that your attorney will need to gather all the evidence necessary to prove the value of your claim You should be prepared for a deposition in which the defense attorney will inquire of you regarding your injury and the impact it has on your life Be ready to answer in a straightforward truthful, honest and logical manner to maximize your settlement A good lawyer can prepare you so that you make a convincing and strong case Property Damage In addition to physical injuries, car accidents can also cause damage to victims' property If you are able to prove that you were in any way directly or indirectly a victim of someone else's negligence in a car crash, you may be entitled to compensation for property damage This includes a reimbursement of the value of your vehicle as well as other personal possessions This compensation is called economic damages It covers all expenses out of pocket that you've incurred because of the accident If you have been in an accident, it's crucial to keep track of all the property damage expenses that you incur Keep bills and receipts that detail the exact price of each item These documents will be required when you make an insurance claim for property damage with the driver who caused the damage's insurer It is also recommended to take pictures of the scene of the crash and any damage you may have suffered This will help you to get the maximum amount of property damage compensation One of the most common mistakes people make is to underestimate the value of their damaged property It is crucial to get an expert appraise the worth of your property so you don't miss the opportunity to receive valuable property damage compensation Your lawyer can assist in obtaining an accurate appraisal of your property, and also help you with the filing of your claim It is recommended to contact your insurance agent and report the incident as soon as you can This will ensure that you're in compliance with the insurance company's deadline for filing a claim for property damage It will also give you time to challenge the assessed value of your property if you disagree with the insurer's decision A car crash is traumatizing experience that can alter lives in a single moment The emotional and financial consequences for the victims and their family members can be devastating It is imperative to speak with a lawyer as soon as possible in the event that you've been injured by a car crash This will help you get the money you deserve Lost wages Missing out on a paycheck can be a huge blow to anyone living paycheck-to-paycheck It can be even more difficult when you are unable to return to your job immediately After a car crash, many people are forced to utilize their vacation leave, sick pay, or PTO in order to recover However these benefits are only granted if the employer allows them or if you have enough saved to cover your expenses until you are back at work If you file a claim for lost wages, you're seeking compensation for the amount you've lost because of your accident If you're able to return work, but only in the capacity you are able to use such as light duty it is possible that you owe money for the difference in your wage before the accident and the rate you are earning now This includes any overtime or performance bonuses you could have received You must prove these losses, including paystubs and other wage documents You may also provide other documents like invoices, profit-and-loss statements and more The loss of wages is a kind of specialized damages, which must be proved in order to be given This is distinct from general damages, which are determined by what the law "presumes" should flow from the accident and don't require as much evidence It is also important to keep in mind that missing out on the chance to earn future income is a factor in your claim for lost wages This is known as lost earning capacity, which considers the effects of your injuries on your ability to do your job and is usually calculated by an expert In New York, if you file a valid claim within the first 30 days and your doctor confirms that you're unable to work, then the insurance company of the driver at fault must compensate you for lost earnings or wages Your auto insurance policy will pay you up to 2000 per month for a period of three years, up to the point that you are back at work